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BHG Financial vs Big Think Capital
Built live from what each lender publishes. Nothing here is estimated — where a lender publishes nothing, the cell says so.
| Attribute | BHG Financial | Big Think Capital |
|---|---|---|
| On the record |
|
|
| Lender type | Direct funder | Broker / marketplace |
| Products offered | Term loan | MCA, Working capital, Term loan, Line of credit, SBA, Equipment, Invoice financing |
| Published amounts | $20K – $500K | $10K – $1M |
| Pricing basis | APR | Not disclosed |
| Published rate | 8.77% – 41.26% | Not disclosed |
| Disclosed fees | No application fees, commitment, or impact on personal credit to view your estimate. No origination, administrative or underwriting fee is disclosed for business loans anywhere on the business-loan pages. | Not disclosed |
| Repayment frequency | Monthly | Daily |
| Term length | 12–144 months | Not disclosed |
| Minimum credit score | Not disclosed | 550 |
| Minimum time in business | Not disclosed | Not disclosed |
| Minimum monthly revenue | Not disclosed | Not disclosed |
| Collateral required | Not disclosed | Not disclosed |
| Personal guarantee | Not disclosed | Not disclosed |
| States excluded | Not disclosed | Not disclosed |
| Industries excluded | Not disclosed | Not disclosed |
| Speed to fund | In as few as 3 days | Just a few days |
| Speed conditions | 'Approval can take as little as 24 hours.' Footnote: 'This is not a guaranteed offer of credit and is subject to credit approval.' | Quick-facts box wording; body says 1-3 business days typical, same-day possible on smaller advances |
| Headquarters | Fort Lauderdale, FL | Melville, NY |
| Established | 2001 | 2017 |
| Next step | Enquire Review | Enquire Review |
Rates on this page are not directly comparable unless the pricing basis matches. A factor rate of 1.30 and an APR of 30% are different measures of different things — a factor rate is a multiple of the amount advanced with no time dimension, an APR is annualised. Read the pricing basis row before comparing the rate row.