Overview
CapFront was founded in 2017 by Zack Fiddle and Mike Behar, and it runs out of Melville, NY on Long Island, with a second office in Manhattan. The idea came from Zack's own family business, which got funded by a non-bank lender in a week after a bank couldn't move fast enough. That experience also showed him how predatory parts of the alternative lending world can be, so CapFront was built around clear terms, client education, and moving owners toward cheaper capital as they grow.
Instead of offering a single loan, CapFront works as a business loan marketplace. You fill out one application, a dedicated relationship manager shops it to its network of lenders, and in some cases CapFront funds the deal itself. The company is BBB accredited with an A+ rating, holds a 4.9-star TrustScore on Trustpilot from over 1,100 reviews, and arranges California loans under a Department of Financial Protection and Innovation (DFPI) Finance Lenders license.
Pros & Cons
Pros
- Business loans up to $15M
- Approvals in as little as 4 hours
- 4.9-star Trustpilot rating, BBB A+
Cons
Features
Term Loans
- Lump-sum funding for growth projects, expansion, or larger purchases
- Short- and long-term options to match your project
- Unsecured or asset-backed structures with fixed payments
Lines of Credit
- Revolving access to capital you can draw from as needed
- Interest charged only on the amount you use
- Useful for managing cash flow gaps and recurring expenses
SBA Loans
- Access to government-backed SBA 7(a), Express, and 504 programs
- Long repayment terms and competitive rates
- Best suited to established businesses with solid credit
Application Process
- Answer a 7-step online questionnaire covering funding needs, monthly revenue, time in business, industry, credit range, and location. It takes about 2 minutes.
- Get matched with a dedicated relationship manager and send the documents they request, such as business bank statements.
- Review multiple loan offers, often within hours, and pick the best fit with your manager's help.
- Sign your loan agreement. Depending on the loan type, funds can land in your account as soon as the same day.
- Checking your offers uses a soft credit pull, so it won't affect your credit score. Applying is free with no obligation.
Repayment Terms
Term Loans and SBA Loans: Fixed payments over a set term, with longer terms and lower rates generally going to established businesses with stronger credit.
Lines of Credit: You draw only what you need and pay interest only on the amount you use, then the line replenishes as you repay.
Customer Support
Every applicant works with a dedicated relationship manager rather than a call center queue, and Trustpilot reviewers frequently mention their rep by name. You can reach CapFront by phone Monday to Friday, 9am to 7pm ET, by email with replies within one business day, or through the contact form on its website.
Bottom Line
CapFront is a strong pick for U.S. small business owners who want to compare several business loan offers without filling out several applications. Its mix of term loans, SBA loans, and lines of credit, along with hands-on relationship managers, makes it especially useful if you're not sure which type of loan fits. Just keep in mind that it's mainly a broker, so your final rate and terms come from the lender you choose, and the fastest loans tend to cost more than SBA or bank-style options.
Disclaimer:
AI was used in the creation of this content, along with human validation and proofreading.
