BFS Capital

• Funding Options
• Established Businesses
• Fast Approval and Funding
• Payment Plans

Funding Options

BFS Capital offers a high maximum loan amount of $1 million. Many other independent lenders do not (or cannot) offer this much money to borrowers, so prospective borrowers who need more funds may find what they are looking for in BFS Capital.

Established Businesses

BFS Capital offers premier loans, which are small business loans gear toward businesses that are more established. These loans are ideal for borrowers who have been in business for more than two years, maintain a stable bank balance, and have favorable credit scores.

Fast Approval and Funding

One large benefit that BFS Capital offers is its ability to deliver cash quickly. It only takes the company two days to deliver the funds after approval, which is much quicker than what most traditional lenders can provide.

Payment Plans

Repayment with BFS Capital is shorter and more flexible than with most larger banks. While big banks can drag out loan repayment to 10 or 20 years, BFS Capital is interested in providing short and efficient repayment plans. Repayment with BFS Capital can be done in less than 18 months if that works for the borrower. This is helpful in some cases because it allows borrowers to avoid extensive interest rates. Further, BFS Capital requires no equity as most banks do.

• Lack of Transparency
• Restrictions

Lack of Transparency

BFS Capital does not provide the following information on its website:

• Interest rates
• Prepayment penalties
• Origination fees
• Closing fees
• Other fees
• Loan calculator

Potential borrowers are encouraged to reach out to the company for more information.

Restrictions

While the requirements for obtaining a loan through BFS Capital are definitely not unreasonable, there are some requirements for prospective borrowers that may be slightly more restrictive than some other lenders. However, BFS Capital seems to be more flexible than most traditional lenders.