BFS Capital Business Loans

BFS Capital Business Loans

in Business Loans from BFS Capital


BFS Capital Business Loans


in Business Loans from BFS Capital

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Loan Amount $5,000 - $500,000
APR  (Fee-Based Product) 6.37% - 195%
Loan Term (Months) 4 - 21 months

BFS Capital Business Loans Review

BFS Capital Business Loans is a business financing offering by BFS Capital, based in Coral Springs, FL. Founded in 2002, BFS Capital offers access to business loans in 50 states (and Washington, DC).

BFS Capital Business Loans FAQ

What are BFS Capital Business Loans’s rates?

This is a fee-based loan. This means borrowers pay a percentage of the loan balance as a fixed-fee instead of an ongoing APR. BFS Capital Business Loans offers business loans with a finance charge ranging from 1.11% to 1.48% of the loan's amount.

The equivalent APR will vary depending on the terms. SuperMoney tried to run the numbers and a typical APR for this product ranges from 6.37% APR up to 195% APR.

Does BFS Capital Business Loans charge an origination fee?

No, BFS Capital Business Loans does not charge a loan origination fee. A loan origination fee is what some lenders charge for processing, underwriting, and funding a loan. Typically fees range from 0.5% to 5% of the loan amount. Whenever possible, go with lenders that don’t charge origination fees.

What limitations does BFS Capital Business Loans set on the purpose of the loan?

BFS Capital Business Loans considers loan applications for business purposes, such as:

  • Business Debt Refinance
  • Equipment Purchase
  • Inventory
  • Lease Improvement
  • New Location
  • Payroll
  • Product or Service Expansion
  • Working capital

What types of business loans does BFS Capital Business Loans offer?

Not all business loans are made equal. The type of loan you choose will determine the range of rates and terms you receive. BFS Capital Business Loans provides access to the following business loan types:

  • Unsecured term loans
  • Merchant Cash Advances

Does BFS Capital Business Loans charge prepayment fees?

Yes, BFS Capital Business Loans charges additional fees to borrowers who pay off their loans sooner than anticipated. Take this into consideration when choosing a lender because prepayment penalties can reduce or even cancel the interest savings of repaying a loan early.

How much can you borrow from BFS Capital Business Loans?

Loan amounts start at $5,000 and go up to $500,000.

What is the maximum loan term you can get with BFS Capital Business Loans?

BFS Capital Business Loans offers business loans with terms ranging from 4 to 21 months. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your loan, the more interest you will pay.

What do you need to qualify for BFS Capital Business Loans?

BFS Capital Business Loans requires companies to be in business for at least 24 months. Businesses don't have to meet a minimum annual revenue to be considered.

When it comes to credit scores, BFS Capital doesn't have a set minimum or maximum. People with all types of credit can apply.

U.S. citizens are, of course, eligible for the services offered by BFS Capital Business Loans. Permanent resident / green card holders are also eligible to apply.

To qualify, applicants may need to provide the following documentation:

  • Proof of income
  • Proof of identity

What is the estimated funding time for a business loan via BFS Capital Business Loans?

BFS Capital Business Loans can approve (or deny) a loan application within 24 hours and fund business loans within 2 business days of approval.

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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.


  • Headquarters
  •   3301 N. University Drive, Suite 300
    Coral Springs, FL 33065

About BFS Capital Business Loans


  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

No Origination Fee  
Credit Score Range 300 - 850
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Minimum Months in Business 24
Verification Documents Required
  • Proof of Income
  • Proof of Identity
Approval Speed 24 hours
Funding Time Range 2 - 7 days
Loan Amount $5,000 - $500,000
APR (Fee-Based Product) 6.37% - 195%
Loan Term 4 - 21 months

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