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Become Reviews


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Written by Bob Phillips

About Become | Read More


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  • partnership@become.co
  • Headquarters: 400 Concar Drive, San Mateo, CA 94402
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Become Business Loans Review

Become’s online service is dedicated to helping businesses procure loans through a variety of lenders. Become is not a bank or finance company.

Become Business Loans Highlight


Min Credit Score

Min 7.5%

APR. Fixed Rate


Loan Amount

12-60 Months

Repayment terms


Soft Credit Pull


Lender Type


Other Fees


Origination Fee


Prepayment Fee

3 Hours

Funding Time


Annual Revenue

4+ Months

Time in Business

Pros & Cons

  • con-icon Compares funding offers through multiple lenders to secure the most favorable terms for the borrower
  • con-icon Assists businesses with improving their credit
  • con-icon Has a good reputation and positive online reviews
  • con-icon Does not disclose business loan interest rates on website
  • con-icon No personal loans offered
  • con-icon Provides matching services with lenders, no customer support

Business Loan Types

  • SBA Loans
  • Business Line of Credit
  • Invoice Factoring
  • Equipment Financing
  • Merchant Cash Advances

Become Business Loans Terms & Requirements

Become offers unsecured business loans to companies that have been in business for as little as four months. Business loans from Become can be used for any business purpose, such as increasing cash flow, paying expenses, purchasing inventory, hiring employees, and upgrading equipment. Become’s terms are difficult to discern based on them using over 50 lenders with different terms and rates.

Qualification Requirements

Become offers loan applications for all business owners, regardless of status. In case of loan disqualification, you’ll receive a dashboard providing feedback on how to increase your chances of getting funding nonetheless.

Become’s lender partners will evaluate the overall health of the business rather than just the credit score. Moreover, the business should have been operational for at least 3 months and ideally have an average monthly revenue of $5,000.

Required Information

  • Become requires a business checking account to analyze the business’s last 3 to 6 months of statements.
  • Additional documents required depend on the chosen lender and application.
  • For instance, merchant statements of 3 to 6 months may be required.
  • Tax returns of the most recent year may also be needed.
  • Financial projections may be required, especially for younger businesses.

Application Steps & Time Frames

  • Apply online for a business loan
  • Wait 1-3 hours for approval
  • Receive funding quickly as three hours

State Availability

- Available in all states

Written by Bob Phillips linkedin-icon twitter-icon

Having spent over fifteen years helping people plan their lives financially, Bob has a vast amount of knowledge concerning personal finance. During his career, Bob mastered many different financial products to help people achieve their financial goals, including life insurance, disability insurance, mutual funds, and stocks and bonds. He earned the Chartered Life Underwriter (CLU) designation and held numerous securities licenses. Bob is an internationally published poet and is now a freelance writer living in North Texas with his wife and Doberman puppy.



What is the interest rate of Become’s business loans?

Become states that loan repayments are not based on interest rates but a total payback amount, which is agreed upon upfront.

Which industries does Become lend to?

Become lends to U.S. businesses across all for-profit industries.

How quickly will my loan be approved?

Applying for a loan through Become takes just a few minutes. Loan partners generally approve qualified loan applications quickly. Businesses can get funded in as little as 3 hours. This time frame depends on the loan provider receiving all required documentation on time.

Customer Support

Become offers new account sales information via telephone and email. It does not provide a live chat service.

Their toll-free number is a sales line. Any support for existing customers is offered through the lender they were matched with by Become.

We found Become’s telephone sales to be unresponsive. Our call went directly to an automated message saying our phone number had been recorded and we would receive a callback. Unfortunately, no time frame was given for the return call, and three days later no callback had been received.

In Conclusion

After purchasing Lending Express, the company rebranded itself as Become in 2019. The company is long on providing product information on its website but short on providing telephone access for prospective customers inquiring about loans.