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The ranking on this site is determined by Top Business Lenders at its sole discretion, based upon, inter alia, accessibility of the various sites, scope of the services offered and other factors. The ranking should NOT be relied upon for accuracy purposes. To provide you this service free of charge, we embed links to the provider sites that assign us referral commissions. We guarantee that this arrangement does not cause any bias to the offers we display, although it may impact the ranking structure. Terms of Use

Highlight Overview

Established 2010

Address Jersey City, NJ

4.4
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Loan Period

4-12 months

Loan Range

Up to $1,000,000

Pros

  • Funds new businesses
  • Low credit scores accepted
  • No collateral required

Cons

  • No personal loans
  • Single funding product
  • Not based on credit card receivables

Bottom Line

Pearl Capital provides short-term cash advances to under-banked and credit-challenged businesses.

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Full Review

Pearl Capital provides short-term capital advances to under-banked and credit-challenged small businesses. Their product is a cash flow loan or ACH loan, which is a combination of a short-term loan and a merchant cash advance. Instead of accessing your credit card receivables, Pearl Capital instead accepts automatic bank payments, making it a quick and easy funding option.

What We Like Best

  • Funding for businesses as young as 3 months
  • Low FICO scores welcome
  • Quick & easy funding
  • Flexible repayments - daily or weekly

Loan Features

Type of Loan: Short-term unsecured capital advances
Loan Amount: Up to $1,000,000
Term of Loan: 4-12 months

Requirements for Loan

  • At least 3 months in business
  • Any credit score
  • Business based in the U.S.
  • Funds almost any industry

Application Process

You can apply online for a Pearl Capital cash advance through Become. The application takes just a few minutes to complete and you could get funded in 48 hours.

Safety & Security

Pearl Capital put security first and has top-notch encryption to protect its customers' personal data.

Bottom Line

Pearl Capital is an excellent choice for small businesses that need quick cash but have low credit scores or are under-banked.

Please note that all information provided in this review is accurate at the time of publication and is subject to change. The information contained in this review is provided for informational purposes only, should not be construed as legal advice on any subject matter and should not be relied upon as such. The reviewer accepts no responsibility for any consequences whatsoever arising from the use of such information.

Quick Facts About Pearl Capital

Short-term capital advances
Provided 23,000+ financings

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