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Fast Capital 360

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LAST UPDATED: July 20th, 2021

Fast Capital 360 is a U.S.-based finance institution that gives fast and flexible loans to businesses. The company has been in business since 2013 providing access to capital to customers, and is known for a positive reputation with customers, employees, and partners. Loans can be secured in just 24 hours, for short-term products. 

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The Good

  • Quick Application
  • Multiple Offers
  • Quick Funding
  • Satisfied Customers

Quick Application

The application process can be done online in minutes and then applicants can be connected to lenders who match the criteria specified. This is a benefit compared to other more traditional loan companies who require in-person meetings or extensive paperwork and application materials. 

Multiple Offers and Quick Funding

Applicants are contacted by more than one lender so they can review and compare offers. Some lenders will respond within hours, allowing business to quickly receive the funds they need to keep moving forward. This short funding cycle allows companies to spend the least amount of time distracted from core business operations, rather than diverting time and resources to fundraising activities.

Satisfied Customers 

Fast Capital 360 has many positive reviews available on various sites online. Customers say representatives are “knowledgeable, helpful, and quick." This endorsement does not come lightly from business owners that have multiple options available in a saturated capital market.

Multiple Loan Types 

The company’s linked finance products include business term loans, lines of credit, SBA loan, equipment financing, merchant cash advance, invoice factoring, working capital loans, and commercial loans. This diversity of financial options gives small businesses the flexibility to decide what type is right for them and to apply easily to multiple types of loans.


The Bad

  • Qualifications
  • Non-Transparent Cost
  • Online Only


Prospective businesses must meet certain criteria. The minimum requirements include being in business for at least six months, at least $10,000 per month in revenue, and a FICO score of 500 or higher. Many small businesses that need capital will not meet this benchmark, making capital inaccessible. However, there are other companies that focus on earlier stage companies, such as working capital products from QuickBooks and PayPal, or loan platforms like Lendio.

Non-Transparent Cost

The APR or any fees aren’t listed on the company's website. Potential customers must fill out the application and then will receive information regarding pricing from lenders. This can make calculating the cost of capital more of a process but is also understandable given each lender has their own set of interest rates and loan servicing fees.

Online Only 

While the customer service representatives are knowledgeable and ready to help, some businesses prefer an in-person meeting and this is not possible with Fast Capital 360. It operates online only.


The Bottom Line

Fast Capital 360 offers attractive loans for businesses, equipment financing, working capital loans, commercial loans among others which are readily needed for many businesses.  The company's requirements of being in operation for at least six months, having $10,000 in monthly revenue, and having a minimum 500 FICO score is a sign that they are ready to work with businesses that are not risky financially. For customers who are earlier in the life cycle, pursuing other avenues is essential, but for companies with over $100,000 in annual revenue, Fast Capital 360 is a dependable financing institution. 

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