Whether you’re the owner of a brand new business and are looking for your first pieces of equipment, or you’re looking to replace a few items or expand an already-established business, you might need to take out a loan to finance these expenses. That’s where Currency Capital comes in. This service can connect interested small businesses to equipment financing options as low as $5,000 and funding as high as $2,000,000.
 | |
| Loan Amount: | $5,000 – $2 million |
| APR Range: | 6.00% – 24.00%% |
| Time to Fund: | As early as same day |
| Loan Term: | One to five years |
| How To Qualify: | 620+ Personal Credit Score $120,000+ Annual Revenue |
| Great Option For: | Large Equipment Financing Competitive Interest Rates |
Click “Check Rates” to apply to Currency Capital | |
Currency Capital is an online loan-matching service that connects prospective borrowers to lenders offering quick cash and large loans, at relatively reasonable rates.
Currency Capital works by connecting borrowers with a number of affiliate lenders who offer products to fit their equipment financing needs. By requiring just one application to gain access to a wide variety of lenders, Currency Capital simplifies the borrowing process and helps business owners evaluate a range of offers without having to put in the time that it would normally take to apply for a traditional bank loan.
With Currency Capital’s easy, online application, you’ll have a loan decision within just three minutes. On the application, you’ll need to share information about your business, including its age, industry, and monthly revenue.
Additionally, you’ll need to share how much funding you’re applying for as well as your contact information. If you qualify for a loan, you’ll immediately be connected to a representative from the company to finalize the offer.
Once you’ve accepted and finalized the offer, you’ll need to send the company a copy of your bank statements and proof of ownership.
If your loan is under $150,000, it will usually be made available within just 24 hours. Larger loans, however, may take a few more days to fund.
The Express Finance service through Currency Capital allows borrowers to access their funds through a virtual Visa debit card, further streamlining the borrowing process. This option not only makes accessing funds easier than through a traditional bank loan or ACH transfer, but it also speeds up the time in which a borrower can access their financing, further cutting down on an already-short wait to use the funds.
Before applying for a Currency Capital loan, you’ll need to have a few documents and pieces of information on hand.
If the funding you’re applying for is less than $150,000, you’ll need to provide an equipment quote to finalize the funding. For larger loans, you’ll need to send three months of bank statements, two years of business tax returns, profit and loss statements, a balance sheet, a debt schedule, and an exact equipment quote.
Although Currency Capital does have an A+ rating with the Better Business Bureau (BBB), it has only been rated 2.5 stars by reviewers. The company is accredited, but potential borrowers should make sure to carefully consider each element of their agreement before deciding to take a loan through this company.
Many of the formal complaints lodged against Currency Capital are regarding excessive telephone calls or attempts to contact the applicant. Another reviewer complained that the lender took too much money from their account and that they were not aware that this would be the case. Currency Capital has responded to some of the formal complaints against it by forwarding reviewers to its live customer service telephone number and email address.
| Funding Options | APR Range/Loan Amount | How To Qualify | Great Option For |
Credibility Capital | APR Range: $50,000 – $400,000 10.00% – 25.00% | How To Qualify: 650+ Personal Credit Score $150,000+ Annual Revenue 1.5+ Years In Business | Great Option For: Borrowers With Good Credit Established Businesses |
Funding Circle | APR Range: $25,000 – $500,000 7.40% – 36.00% | How To Qualify: 620+ Personal Credit Score No Minimum Annual Revenue 2+ Years In Business | Great Option For: Established Businesses, Not Sole Proprietors Good Personal Credit |
Currency Capital | APR Range: $5,000 – $2 million 6.00% – 24.00% | Loan Term: 620+ Personal Credit Score $120,000+ Annual Revenue 6+ Months In Business | Great Option For: Equipment Purchases – Quick Funding |
Credibility Capital offers a smaller range of loans than Currency Capital, with financing ranging between $50,000 and $400,000. While their annual percentage rates are comparable, the lender’s loan terms are more limited due to the lower maximum loan amount, with terms reaching three years at most.
Funding Circle is an online peer-to-peer lender that connects borrowers with loans of up to $500,000. The company functions similarly to Currency Capital in its application process but has a slightly higher maximum APR and slower average time to fund.
Currency Capital’s office is based in Los Angeles, California.
If you’re in the market to purchase or lease new equipment and want more information, PrimeRates offers thorough reviews of several other lenders that can help you fund your equipment-related expenses. Even if you have low credit or are the owner of a new business, you may still be able to find the right funding option to finance the equipment purchases that you’re looking for. It’s important to take the time to understand all of your financing options before deciding on the loan that’s right for you.
PrimeRates provides access to personalized loan offers through our simple and quick pre-qualification application. Once you’re pre-qualified, you can select the best offer for you and finalize the loan application with the lender.
1
Simple pre-qual application in less than 1 minute.
2
Choose the offer that best fits your needs.
3
Finalize your loan offer, get approved, and receive funds.
The prime rate forecast for 2026 is one of the most closely watched financial data points of the year — and for good reason. Every
The SBA 7(a) loan is the gold standard of small business financing for a reason. Backed by the U.S. Small Business Administration, these loans offer
If you have a credit card, a mortgage, a personal loan, or any kind of variable-rate debt, the prime rate is quietly shaping how much
Every time the Federal Reserve adjusts interest rates, financial headlines light up with talk about the prime rate. But what does that actually mean for
If you have spent any time reading about interest rates, you have probably seen three terms used almost interchangeably: the prime rate, the federal funds
The prime rate has been the backbone of American consumer lending for the better part of a century. Today it sits at 6.75 percent. In