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Seek Capital Reviews


bestfor-icon Good for - Relatively new or small businesses

Written by Andrew Omalley

About Seek Capital | Read More


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Mon-Sat 6am-6pm PT
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  • (844) 854-0116
  • Headquarters: 6420 Wilshire Blvd. Suite 500 Los Angeles, CA 90048
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Seek Capital Business Loans Review

Seek Capital offers a number of different types of business loans, mainly focusing on startups and small businesses. It is a marketplace, so it will showcase to you a number of viable options for leading lenders depending on your specific situation. You can work with a dedicated agent to ultimately find the option that is the best fit for you.

Seek Capital Business Loans Highlight


Min Credit Score

Min 9%

APR. Fixed Rate


Loan Amount


Soft Credit Pull


Lender Type


Other Fees


Origination Fee


Prepayment Fee

2 Weeks

Funding Time


Time in Business

Pros & Cons

  • con-icon Caters to startups
  • con-icon Good track record and reputation
  • con-icon Deals with reputable lenders
  • con-icon Easy application process
  • con-icon High fees can be in place

Business Loan Types

  • SBA Loans
  • Invoice Factoring
  • Short-Term Business Loan
  • Startup Loans

Seek Capital Business Loans Terms & Requirements

The main types of business loans that Seek Capital offers are equipment financing, short-term loans, invoice factoring, small business loans, SBA loans, and restaurant loans. It mainly focuses on providing loans to small businesses and startups.

There is no application fee charged by Seek Capital and businesses do not have to provide any collateral. Seek Capital will cater to startups and it does not require you to provide any tax returns or financials.

The exact rates and loan terms are going to be dependent on whichever lender you end up going with. The same goes for the types of fees that you might have to pay, such as origination fees and late fees. In some cases, the fees can be pretty high.

How to Apply

If you are considering taking out a business loan from Seek Capital, there are three core parts of the process that need to be completed. First of all, you will choose the type of loan you want to get. A number of different types of business loans are offered by Seek Capital. You can then complete the application process in just a few minutes.

When your application gets approved, you will then get a dedicated agent assigned to you. They will help present the various options you are entitled to from various lenders. You can identify the loan that best suits your needs and then complete the process with that given lender.

Qualification Requirements

  • No financials or tax returns necessary
  • Minimum credit scores vary on loan type
  • No collateral needed
  • Monthly revenue requirements to depend on loan type

Required Information

  • Business tax ID
  • Government issued ID
  • Loan amount you seek

Application Steps & Time Frames

Post application approval, the time to funding is going to be dependent on the specific lender you end up choosing. Funding approval usually comes within 24 hours, but receiving funds can take 1-3 weeks. You will be subject to a hard credit check when you officially apply for a loan from a specific lender.

State Availability

- Available in all states

Andrew is a freelance writer who has been crafting valuable pieces of content relating to personal finance for more than five years. Previously, he studied Economics & Finance at university and he has professional qualifications relating to financial advice.

Customer Support

There is customer support available to you six days a week during normal working hours. You can talk with an experienced team member over the phone or send them an email. You will generally be exposed to high-quality and timely replies. The help centre is also full of plenty useful Q&As, which help guide you throughout the process of applying for a loan through Seek Capital.

Privacy & Security

Seek Capital isn’t responsible for the lenders they recommend. One of the main complaints in the negative reviews received by the company is that they make multiple credit applications, including hard pulls of credit, in order to get funding on behalf of businesses.

While they do this with the business owner’s permission, it seems that many people who are unhappy with Seek Capital were unaware that hard pulls of their credit profile could cause their FICO scores to drop.

Seek Capital’s privacy policy is comprehensive. It states that they may use any personally identifying information provided by a potential applicant, including phone, text, and email. Anyone who wants their personal information deleted from Seek Capital’s database can do so by calling 1-855-402-9224, Monday to Friday, between 8 am and 5 pm PST.

Trust Pilot has plenty of reviews from Seek Capital customers with an average score of 4.5 out of five stars. Reviewers noted that the application process was fast and easy. Negative reviews focused on the amount of hard credit pulls Seek Capital initiated with various funding sources.

In Conclusion

Getting a business loan through Seek Capital is going to be an ideal solution for business owners who want to have a very simple process to assess their financing capabilities. The fees in place will vary depending on what lender you end up choosing, which is something to keep in mind. Seek Capital is a great fit for relatively small businesses or those that might just be finding their feet.