Where does Pearl Capital do business?

Pearl Capital is a direct lender based in New York, NY. It was founded in 2010 and offers access to business loans in 50 states (and Washington, DC)..

Does Pearl Capital charge an origination fee?

Yes, Pearl Capital charges a loan origination fee. 

What limitations does Pearl Capital set on the purpose of the loan?

Some lenders only provide business loans for certain purposes. Pearl Capital offers considers loan applications for the following reasons:

  • Equipment purchase
  • New location
  • Product or service expansion
  • Business debt refinance

What types of business loans does Pearl Capital offer?

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

    Does Pearl Capital charge a late fee?

    No, Pearl Capital will not charge you a late fee. Yes, Pearl Capital charges borrowers with a late payment fee.

    Does Pearl Capital charge prepayment fees?

    Yes, Pearl Capital 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.

    What do you need to qualify for a loan with Pearl Capital?

    Applicants with a credit score of at least 300 can apply for a loan via Pearl Capital.

    Pearl Capital requires businesses to be in business for at least 3 months in business. Active duty servicemembers and their covered dependents are eligible to apply for a loan via Pearl Capital. Its rates and terms fall within the limits of The Military Lending Act.

    Only U.S. citizens and permanent residents can apply for a loan.

    What is the estimated funding time for a business loan via Pearl Capital?

    Pearl Capital can approve (or deny) a loan application within 1 hour and fund business loans within 1 business day of approval.

    • Credit Score Range
      300 - 850
    • Employment Statuses Considered
      • Employed Full-Time
      • Employed Part-Time
      • Other
      • Retired
      • Self-Employed
    • Immigration Status Considered
      • U.S. Citizen
      • U.S. Permanent Resident
    • Military Status
      • Active Duty Military
      • Military Dependent
      • Non-Military
      • Veterans
    • Minimum Months in Business
    • Business Loan Type
      ACH Cashflow Loan
    • Intended Use of Funds
      • Business Debt Refinance
      • Equipment Purchase
      • Lease Improvements
      • New Location
      • Product or Service Expansion
    • Approval Speed (Hours)
    • Funding Time Range (in days)
      Starting at 1
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