Frequently Asked Questions

Reach out to us at info@bigthinkcapital.com or call 844-200-7201 — we'll respond as soon as we can during business hours (Mon–Fri, 9am–6pm EST).

Our main office is at 201 Old Country Road, Melville, NY 11747. We also have offices at 1450 Broadway, New York, NY 10018 and 21500 Biscayne Blvd, Aventura, FL 33180. We serve clients across all 50 states.

We serve businesses across virtually every industry — restaurants, retail, ecommerce, construction, healthcare, trucking, manufacturing, professional services, real estate, staffing, technology, franchises, and independent contractors across all 50 states.

We require basic personal and business information — your name, the name of your business, your address, and some simple financial information. The full online application takes about five minutes.

Once your application is submitted, you'll typically see lending options tailored to your needs within minutes. A dedicated funding advisor will also reach out to walk you through the options that fit your business best.

You can receive funding as soon as 24 hours after applying for most working capital products. Other products vary — term loans and lines of credit typically fund in 2–5 business days, equipment financing in 3–7 days, commercial real estate in 30–60 days, and SBA loans in 30–90 days.

Most products require three to six months of business bank statements and a basic application. SBA loans and commercial real estate loans require additional documentation including tax returns, financial statements, and a business plan. Your dedicated advisor will walk you through exactly what's needed for the product that fits your situation.

No. Applying is completely free — no application fees, and no hard credit pull on initial review. Big Think Capital is compensated by lenders only when a loan is successfully funded.

Loan amounts vary by product. Working capital loans go up to $500,000, term loans up to $1,000,000+, SBA loans up to $5,000,000, and commercial real estate loans up to $10,000,000+. The right amount depends on your business revenue, credit profile, and intended use of funds — your advisor will help you size the right loan for your situation.

No. Unlike applying for a new credit card or loan, filling out a Big Think Capital application does not result in a hard inquiry on your credit. You can get started on your application worry-free.

At Big Think Capital, we understand that one of the major problems business owners encounter is rejection due to credit history. We seek to fix that problem by helping you find a lending option that works. Whether you have good credit, bad credit, or no credit, we'll help you find a solution.

Yes. We welcome applicants with all different credit scores. Big Think Capital will work with you to find a lending option that suits your needs regardless of your credit history.