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Lender profile

Big Think Capital

Broker Melville, NY Founded 2017 Checked Sep 10, 2026
Big Think Capital is a Melville, New York brokerage that matches small businesses with outside lenders for working capital, term loans, lines of credit, SBA loans, equipment financing, invoice factoring and e-commerce funding. Published amounts start at $10,000, and it says approvals can come in as little as 24 hours.
Visit bigthinkcapital.com Compare with similar funders
Heads up. Big Think arranges funding through banks, credit unions and other lenders rather than funding deals itself, so rates and terms are set by the lender. Its invoice factoring page lists a factor fee of 1% to 5% of invoice value.

The open book

What Big Think Capital publishes, and what it doesn't

8 of 9 things a business owner needs to compare offers are on its website.

Published

Amounts
$10K–$5M
Minimum credit score
550+
Minimum time in business
3 months
Minimum monthly revenue
$10,000
Speed, in its words
Approvals in as little as 24 hours

The ledger

  • Funding amounts
  • Minimum credit score
  • Minimum time in business
  • Minimum revenue
  • Funding speed
  • Price (rate or factor)
  • Fees
  • Term length
  • Excluded industries Not published
Loosest published figure across its products, from its own website. Details by product below.

By product

Big Think Capital's products, as published

Open “Sources” under any product to see the exact wording and the page it came from.
Price not published
Amounts
$10K–$250K
Price
Not published
Term
Not published
Repayment
—
Minimums
Credit 600+ · Time in business 6 months · Revenue $10K/mo
Speed
Often same day after setup
Fees
No origination/admin/underwriting fee published. Page states generically: 'Many lenders also charge a 1-3% draw fee per advance' and 'Many lines have no annual fee and no inactivity fee.' Both are described as what lenders in general do, not Big Think's own schedule.
Personal guarantee
Required
Sources (1)
Price not published
Amounts
$10K–$5M
Price
Not published
Term
Not published
Repayment
Monthly
Minimums
Credit 580+ · Time in business 6 months · Revenue n/p
Speed
3 - 7 business days
Fees
'No Application Fee - With no application fee we make it easier and more cost-effective to secure the funding you need.' 'No Prepayment Penalties - Prepayment penalties are a thing of the past - pay off your loan early without additional costs.' No origination, admin or underwriting fee disclosed.
Collateral
Required
Personal guarantee
Required
Sources (1)
Price published
Amounts
Not published
Price
Fee 1%–5% (of invoice value)
Term
Not published
Repayment
—
Minimums
Credit n/p · Time in business 3 months · Revenue n/p
Speed
24 - 48 hours
Fees
'Many programs charge a tiered fee that increases the longer an invoice goes unpaid.' No separate origination, admin or underwriting fee disclosed.
Sources (1)

Merchant cash advance

How merchant cash advance works
Price not published
Amounts
$10K–$1M
Price
Not published
Term
Not published
Repayment
Daily
Minimums
Credit 550+ · Time in business 6 months · Revenue $10K/mo
Speed
Just a few days
Sources (1)
Price not published
Amounts
$50K–$5M
Price
Not published
Term
120–300 months
Repayment
—
Minimums
Credit 640+ · Time in business 2 years · Revenue n/p
Speed
30 - 90 days from initial application
Sources (1)
Price not published
Amounts
$25K–$1M
Price
Not published
Term
12–60 months
Repayment
Monthly
Minimums
Credit 600+ · Time in business 1 year · Revenue n/p
Speed
2 - 5 business days
Personal guarantee
Required
Sources (1)
Price not published
Amounts
$10K–$500K
Price
Not published
Term
3–24 months
Repayment
Variable
Minimums
Credit 550+ · Time in business 6 months · Revenue $10K/mo
Speed
As fast as 24 hours
Sources (1)

Similar funders

Funders offering the same products

BlueBridge Funding

Broker
$50K–$200K550+ creditNo price

ROK Financial

Broker
$10K–$5M500+ creditNo price

Clarify Capital

Broker
$5K–$5M500+ creditPrice published

Credibly

Direct funder
$5K–$10M550+ creditPrice published

Fora Financial

Direct funder
$5K–$1.5M570+ creditPrice published

Lendio

Marketplace
$1K–$10M500+ creditPrice published

Pages we read

  1. https://www.bigthinkcapital.com/about-us
Spotted something out of date? Funders and owners can send a correction with a link to where it's published. Listing Big Think Capital here doesn't mean it works with Openbook.

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