Seek Business Capital Review

Seek Business Capital ID Card

Loan types – Small business loans, equipment leases, debt consolidation

Loan amount  $5,000 to $500,000

Repayment terms  Varied terms, undisclosed

Top Pro  Looks at more than credit score for lending decision

Top Con  Not directly a loan provider

Best For  Business owners and startups in need of quick access to extra funding for any reason, whether for working capital, business expansion, equipment leasing, or consolidating debt.

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Seek Business Capital at a Glance

Seek Capital was founded with the goal of helping new and struggling companies and startups find the funds they need to run and grow their businesses.  Unlike other marketplace lenders, Seek Capital helps its customers build a custom plan called a Funding Estimate, which it then uses to find financing through its lending partners. The company leverages its business experience and industry expertise to provide a personalized and failsafe way for businesses to uncover the funding they require.  Customers will receive their Funding Estimate in as little as a few hours after which they can accept or modify their terms to better and more easily meet their business goals.  In conjunction with the firm’s support team, Seek Capital works with its clients to build the best possible financing plan.  Overall, the company’s hands-on approach makes it a desirable choice for new businesses and startups seeking quick access to funding and financial guidance.

Best for Whom?

  • Small businesses looking for financial guidance

While small businesses can recognize when they need capital, finding the right amount and moment can prove difficult. Seek Capital’s Funding Estimate gives borrowers the opportunity to discover a feasible loan amount and reasonable terms, helping solve problems without adding burdensome amounts of debt.

  • Businesses with weaker credit

Another major advantage for Seek Capital is their holistic approach to evaluating a business borrower’s creditworthiness.  The company boasts that it has a 92% approval rating thanks to funding experts that work to connect borrowers with the right funding plans despite credit history.

Loan Features

Although it does not directly underwrite its own loans, Seek Capital offers small businesses an intriguing way to identify the funding solution that is best suited to their needs.  The company’s lending partners within its network connect customers to unsecured loans, meaning no collateral is required—a great advantage for small businesses with few assets. Seek Capital stands out among marketplace lenders due to its full-service approach, which includes consultations with its customers, creating a full funding plan, and its efforts to negotiate directly with lenders on behalf of borrowers. The company employs a success-based fee model, and does not charge any fees until they successfully match a borrower with a lender. Because it is not lender, Seek Capital does not list any representative interest rates or loan terms on its site. However, the company does boast an excellent approval rating for its customers, as well as impressive funding approval times. Companies can receive a Funding Estimate in just a few hours and receive approval shortly thereafter. Customers can generally see their funds in as little as 1 to 3 weeks after receiving approval.

Highlights for Seek Capital

  • Quick, paperless online application
  • Hands-on approach to finding the right loan
  • 9 in 10 applicants are approved for funding
  • Access a Funding Estimate in just a few hours
  • Large network of qualified lenders
  • No obligation to accept offers
  • Unsecured loans mean no collateral is necessary
  • Apply for funding fee-free

The Application Process

To get started, prospective borrowers can visit the Seek Capital website to complete the application and begin the funding process.  The initial form is paperless and can be filled out in just minutes via computer or even smartphone. Borrowers can enter their basic contact information, along with details about their finances.  The company does ask for an estimated credit score, but maintains that it does not use it as the primary factor when determining funding options.

Seek Capital’s agents use a proprietary Funding Calculator to develop an estimate based on each business’s circumstances and financial history. This includes a deep analysis of a customer’s business that covers assets, earnings, revenues, and credit profiles. Once completed, one of the company’s representatives will contact the borrower to create a funding estimate and continue the application process. After its review, Seek Capital will provide a final estimate for approval, which can arrive as quickly as 2 hours. Once borrowers agree to the estimate, the company submits applications for their loans, and customers can receive funds within 1 to 3 weeks.

Loan Terms - Unique and Custom Financing Plans 

One of Seek Capital’s biggest advantages over peers is their personalized touch and customer-oriented service. Unlike competitors that offer cookie-cutter loans, Seek Capital works with borrowers to create unique plans that are more likely to receive approval and have a better impact. The company does not place any restrictions on the use of loans it facilitates, and borrowers are able to find options for short-term cash infusions, equipment leases, expansionary projects, debt consolidation, and other pressing financing needs.

It is important to keep in mind that Seek Capital does not originate its own loans, but instead counts on an expansive network of lenders to help it find applicable solutions for a wide range of customers.

The company’s lending partners underwrite funding amounts that stretch range between $5,000 and $500,000.  Each funding plan is unique and varies for each business borrower depending on their needs and financial history.

While the company could add details regarding loan amounts and rates, we found the financing solutions to be competitive for the industry. Interest rates generally range between 7.90% and 20.00%, though these rates may vary depending on the lender Seek Capital connects with borrowers. To reach a range of borrowers, the company works with businesses and startups across varying industries, touting approval of 92% of funding applications received.

Repayment Terms

One key area Seek Capital could expand its information for users is providing a representative range of repayment terms available from partner lenders.  While Funding Estimates generally include interest rates and repayment periods, customers can only determine their final terms once they receive a proposal from their chosen lending partner. Overall, however, the company’s repayment periods tend to focus on shorter-term borrowing.

How Safe Is It?

As a web-based service, Seek Capital takes the necessary steps to protect its customers’ personal information.  Per the company’s privacy policy, all personal information collected on the website is treated as confidential.  Sensitive personal information is only accessible by designated company staff and all that can be shared with third parties is basic details such as contact names and numbers and company formation dates which are used to provide better services.  Any information stored on Seek Capital servers is encrypted with industry standard SSL technology to ensure security.

Help & Support

Customers that require assistance can reach Seek Capital via phone or email. The company’s call staff is available during business hours Monday through Friday, 8:00 AM to 5:00 PM Pacific Time. We found the call center representatives to be helpful, friendly, and knowledgeable when tasked with addressing our inquiries.  Emails also offered comprehensive answers and were responded to within a reasonable time frame.  Furthermore, customers already working with a support professional from Seek Capital can refer to them directly for all personal funding matters.

Deep Dive into Pros and Cons

Unique financing optionsNot a direct lender
Quick and straightforward application processLack of Educational Resources
Funding Estimate received in under 2 hoursUnclear repayment terms
Accepts 92% of applicants 


During our research, there were several areas we felt that Seek Capital could improve to benefit their customers even more.  Foremost among the areas that could be strengthened would be more details regarding representative interest rates. Because Seek Capital is not directly a lender, the terms will often vary for each customer, making it especially relevant to provide information about repayment terms. Moreover, a greater emphasis on educational resources could help prospective borrowers learn more about the lending process while an informative FAQ would address common questions encountered by users.

Even with a few minor drawbacks, there were several aspects of the company’s services which were quite impressive.  For one, we appreciated the personalized approach Seek Capital employs when providing each customer with a support team to create a customized Funding Estimate.  We were pleased with the speed of the application process, which can yield a funding estimate in as little as two hours.  Finally, the company’s approval rate and willingness to help any business from different backgrounds helps broaden Seek Capital’s appeal for range of borrowers.


A quick application and personalized Funding Estimate helps Seek Capital’s service stand out in a very competitive lending field.  The company works hard alongside its team of professionals to create a unique funding plan for each business borrower that requests financing assistance.  Seek Capital’s strong network of lending partners means that 92% of applicants obtain funding, providing financing solutions for all types of business borrowers across industries.  Regardless of financial history and creditworthiness, businesses or startups that require funding for a range of activities can benefit from a supportive partner thanks to Seek Capital’s helpful lending solution.

Physical Address

Seek Business Capital

6420 Wilshire Blvd

Suite 600

Los Angeles, CA 90048


Visit Seek Business Capital


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