Are you searching for the BEST personalized loan you can get your hands on faster and without a hassle?
Welcome into this Capital Infusions Reviews post where I “Michael” a business owner like yourself and long-time expert business loan broker will be pulling back the layers one by one to show you how Capital Infusion “REALLY” operates, the pros and cons, alternatives, and so much more so by the time you leave today here’s what you’ll have…
A decision you can be proud of and walk away with 110% confidence and certainty about how to continue to build, grow, expand, and even get out of a tight pinch, but first…
Let’s answer the question at the top of your mind - “Is Capital Infusion Legit?” Yes, HOWEVER, that doesn’t mean they are the “Right” solution for you and this post will help you make that decision.
So let’s go ahead and get into it.
What Is Capital Infusion?
Infusion Capital is a lending company or in other words, a brokerage that fights hard to find the right loan for your business's needs and offers multiple types of loans for you to compare and choose from. Founder and CEO Matthew Birnholz has put this platform together and a team of financial specialists who can answer your toughest questions and find the best funding option for you and your financial needs.
I’ll get into the types of products they offer but from a glance, you will see products such as merchant cash advances, business term loans, SBA loans and more.
You may have heard of another group called "Infusion Capital”, that’s not to confuse them with Capital Infusion as they are two separate entities.
Why Capital Infusion?
As the CEO puts it, they have a proprietary technology that allows business owners to go through a fast and hassle-free application process and either fund you internally as a direct lender or through their online marketplace…
They are similar to another company I revied not too long ago as Uplyft Capital.
But what REALLY separates Capital Infusion from the rest are the remarkable people that work there. They are not a 1-800 number…
Rather you get a funding rep or in other words funding specialists who will take the time to understand your goals, and match you with the right service and lender.
Plus, they work with business owners of all industries in all of the states. So now that you know a bit about what makes them different, let’s go even deeper inside.
Going Inside Capital Infusion
Getting straight to the funding options Capital Infusion offers, they are:
- SBA Loans
- Business Term Loans
- Merchant Cash Advances
- Invoice Financing
- Equipment Financing
- Asset Based Lending
- Rehab Loans
- Revolving Line Of Credit
One of the highest approved rates of service is the “Merchant Cash Advance” and in case you didn’t know…
A Merchant Cash Advance is a financing option for small businesses lender or a “merchant account provider” pays a one-time “lump sum” to a merchant (yourself) in exchange for a future percentage of your future credit card sales.
This percentage of sales is then collected by the credit card processor until the initial amount plus your interest is paid in full. Due to this cash advance is technically classified as a sale of a portion of your future sales compared to a conventional loan, it is not subject to interest rate regulation.
Related: Same-day approval merchant cash advance
Here are the details of this product:
- The average Loan amount is $5k-$250k
- Loan term of 4-18 months
- The factor fee is starting at 1.14%
Qualifications:
- 6 months in business
- 480+ minimum credit score
- $8,000 in monthly revenue
P.S. If you’re doing less than $8,000 a month, perhaps $3,000, or $5,000 at a minimum, there’s a great alternative up to $25k same-day instant approval you can check out here.
Documentation Needed:
- Application
- 3 months of business bank statements
Application:
Here’s what part of the application process will look to start off with:
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How It All Works (Step-By-Step)
Aside from the different types of products and services, the overall process looks like this:
- STEP 1: They need a one page DocuSign application with 3 months of bank statements
- STEP 2: Give the underwriters 4-6 or so hours to underwrite your file and
- STEP 3: Once you have your options, it’s a couple of closing docs
- STEP 4: Funded in the next 24-48 hours
Capital Infusion Reviewed
Here’s what other people are saying about capital infusion:
How Much Does Capital Infusion Cost?
There are no application fee or hidden costs or at least that I know of but just closing costs, lender fees, broker fees, etc. which is normal and sometimes this can be like 1-5%. Other costs you may endure are…
Your energy and time which means that if you’re going into this application “not sure” or knowing it’s not best or know you won’t get approved, then why even bother getting started? You only have so much time in the day.
Who’s Capital Infusion For?
Capital Infusion is made for small businesses and owners who are looking for a direct lender and online marketplace partnership where you can get access to fast funding that’s unsecured and secured by collateral. Here’s more:
- Business owners looking for funding within 24-48 hours or so and don’t want to wait longer or can’t get approved for services that require more time to get funding like perhaps an SBA Loan
- Business owners who want a hassle-free application process and quick underwriting so you can get in and out
- You want to supply as few documents as possible to get funding and not want to go through middle and high-tier documentation processes.
- You would like a personalized approach to funding
- You want to be paired with a funding specialist who will be there to answer even your toughest questions
Who’s It Not For?
- I would say complete startups with pre-revenue
- You’re looking for different funding options
- Tire Kickers
- Lazy People
- No effort seekers
Pros And Cons
Pros:
- Easy funding for your business and also when you need it fast with the hassle-free application process
- personalized loan within 24 hours
- You get paired with a financial specialist
- A variety of funding options so you can get paired with the right one
- Propriertary Technology to get through the applicaiton and underwriting process fast
Cons:
- You may not always get the best lender or have the best lenders
- Possible bait and switch
- It can be expensive with certain services
Alternatives
There are definitely A LOAD of alternatives out there in the lending industry and even ones I personally prefer and feel are better overall because we’ve vetted the BEST lenders and made sure to not have anyone who may do wrong with your information and they are:
- Bitty Advance
- Business With National
- GoKapital
- Credit Suite (for business credit)
By FAR, the best I’d say is Bitty Advance because they are very transparent and honest about how they protect your privacy and can help you get up to $35,000 if not up to $25,000 same-day instant approval without collateral, no hard credit checks, bad credit is acceptable and you can start with just $5k per month.
PLUS, there’s also a way to get up to $2,000,000+ incredibly fast and the application process is much faster and better to get a handle on. You can check out Bitty along with the partnerships in a deep review I made here:
What I Liked Most About Capital Infusion
There are plenty of upsides like the funding specialists that’ll be by your side throughout the process to make sure you get the right service and that your needs are met.
On another note, it’s a seamless and straightforward application process where you don’t have to jump through hurdles and supply a lot of documents just to get funded.
What I Liked Least
I wouldn’t really say there’s a “dislike” but what’s most important is that you get the right lender without having your information thrown out all across the web and then you’re getting contacted by multiple lenders and organizations you don’t even know about…
And I’m NOT saying they exactly do this but at the end of the day it’s not about getting looked at by many lenders but the RIGHT and BEST one.
Final Thoughts
What was your favorite part about capital infusion? Is there a least favorite part about it?
Whether you’re looking for fast funding or not, there’s no shortage of these online marketplace/direct lending companies on the web and you know what’s tough about coming across these?
You can’t “easily” decipher “how they EXACTLY operate” in the sense of will they protect your information, will they get you the BEST and Right lender with the better offer, or will it be a flop and you just wasted your time?
Capital Infusion can help you get matched with the right solution fast and with a hassle-free application process that usually doesn’t require a lot of documentation to start, no collateral, and more…
But over the MANY years as a business owner getting funding AND being an expert business loan broker, I’ve seen many lenders come and go, and have found out which are the best at not only giving you a fair shot but can protect your privacy and be very transparent with you as well as offer you the flexibility to grow and expand over the long-term…
And if you’d like to see my #1 recommending lending company along with the partnerships as well as have the right Roadmap for moving up levels correctly, see how to get up to $2,000,000+ below incredibly fast.
