Become Review

ByCaroline BantonNov. 16, 2020

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In a Nutshell

Become has a network of business lenders throughout the United States and Australia and a straightforward marketplace model. The provider has built a quick, uncomplicated, and efficient system for small businesses to obtain the funding they need to succeed. Become bypasses the complicated conventional loan application process and educates customers on their different options.


  • Funding in as little as 24 hours
  • Single application process


  • Rates vary between lenders
  • Not a direct lender

Become  at a Glance

Loan types Commercial vehicle loans, startup business loan, asset-based loans, SBA loan, merchant cash advance, line of credit, business equipment loan, invoice factoring, unsecured business loan, SBA loans
Loan amount Between $5,000 and $500,000
Repayment terms From 3 to 36 months
Minimum monthly revenue Three months in business with $10,000 monthly revenue or six months in business with $3,000 monthly revenue
Minimum credit score No minimum credit score
Time until funding As little as two hours (depending on the type of loan)
Trustpilot user rating ★★★★★ 9.5
Direct lender or marketplace  Marketplace


Become has established a name for itself in the online lending industry. The company, based in Australia, is a leading lending marketplace serving more than 200,000 customers and helping borrowers access over $215 million in loans. Become is focused on a quick, uncomplicated, and efficient loan process for small businesses seeking funding. 

Suitable for?

Business borrowers seeking financing alternatives can benefit from Become’s lending marketplace model. The company works with a range of lenders and matches companies with the funding that fits their business profile. You can benefit from Become’s short approval times and funding periods if you have a cash shortfall. Time to funding can be as short as one business day. Additionally, the single online application means borrowers can focus on running their business instead of filling out endless forms and paperwork. 

Loan Features

Become is not a loan originator but a marketplace with a network of reliable loan providers. Borrowers complete a single online loan application. Once the application is complete, customers can be approved for financing in as little as one day. Moreover, borrowers will see loan options from different lenders and choose the lender with the most favorable rates and terms. Another unique feature of Become’s service is the repayment method. Instead of paying an interest rate, customers have a total payback amount specified at the outset. Repayment is calculated based on the type of business and the loan term. This unique feature enables companies to calculate their costs upfront and better prepare for eventual repayment. Become collaborates with an extensive network of US-based lenders to deliver transparent and reliable services to small businesses.

Highlights for Become: 

  • Single, easy application for all lenders
  • Extensive lender network
  • Wide range of loan terms and amounts
  • Achievable qualification requirements
  • Minimal paperwork 
  • Multiple financing alternatives aside from loans
  • Loans available for any business purpose
  • Approval possible in as little as 24 hours 

The Application Process

Become’s greatest advantage is the straightforward application process. While the company works with several lenders within their network, clients only need to complete one form to receive loan offers from them. To get started, borrowers must answer a few questions regarding their business history. Once the application is completed and approved, applicants receive a list of loan offers that match their projected needs. After selecting an offer from a lender, borrowers can set the final terms with their chosen lender. Become is not a direct lender, so the company does not guarantee any of the terms and rates listed on their website. Agreements are always finalized with the selected loan provider.

The company does set some requirements for loan qualification, but the terms tend to be favorable to small businesses and even startups that have only operated for a short time. Become requires the following:

  • Monthly revenues of at least $5,000
  • A business in operation for a minimum of three months
  • Recent bank statements

Specific lenders may ask for additional requirements or documentation. 

Become’s Diverse Range of Loan Options 

Another factor that differentiates Become from its competitors is the variety of financing solutions available to customers. Become does not originate its loans or offer funding, but lenders operating within the provider’s network extend several alternatives to potential borrowers. The lending partners’ solutions include the following financing options:

  • Unsecured business loans feature excellent terms and don’t require collateral to secure the loan. Businesses can benefit from an all-purpose lump sum to finance a business project or expansionary venture. 
  • Small Business Administration (SBA) loans are federally-backed financing solutions for qualified applicants. SBA loans feature favorable loan terms and rates to encourage sustainable growth for entrepreneurs without having to pay back the debt quickly. 
  • Equipment and vehicle financing are for companies requiring specialized tools. These loans are dedicated to specific types of purchases, and there are competitive rates for these more unique financing needs.
  • Business lines of credit give customers the flexibility to borrow only what they need when they need it. Lines of credit help customers protect their businesses against any unforeseen shortfalls or gaps in cash flow while enabling rapid repayment. Additionally, borrowers pay interest only on the amount actually drawn from the credit line.
  • Merchant cash advances allow companies to pay off their loans as a percentage of their total sales or as a fixed amount. This gives borrowers more flexibility as repayment is a function of their daily earnings.
  • Invoice factoring uses the total amount of unpaid invoices to back financing. Customers who work on delayed payment models can benefit from covering their cash flow before outstanding invoices are paid.

There are no restrictions on loan applications, and loan amounts range from $5,000 to $500,000. 

Repayment Terms

Because they are not directly a lender, Become does not state strict loan terms or interest rates. The company’s partners offer repayment terms up to 10 years. The company does not specify interest rates on their website. However, most of their financing solutions offer payment amounts that are established upfront. In many cases, borrowers are aware of the full cost of the loan, which is based on their chosen repayment terms, and the amounts paid out evenly over the lifetime of the loan. 

How Safe Is Become?

Customers’ sensitive business information is secure when working with Become. The company provides a transparent privacy policy that states what information they collect and how it is used. Become only shares customer data with their partners and will not sell it to third parties for marketing purposes without prior consent. Furthermore, all information transmitted through their website and stored on their data centers is encrypted with industry-standard protocols. 

Help and Support

Customers that wish to contact Become can reach the company via a toll-free number or through email. Customer support over the phone was prompt with short waiting times. The representatives we spoke to were courteous and knowledgeable. Emails received responses in as little as one business day and usually answered all our questions. A live chat feature would be nice, but the existing services were satisfactory. Customers who prefer to find their own answers can view the company’s informative FAQ section. 


Become offers businesses a different way to discover realistic financing options. The company is not a direct lender, but it works with different lenders of the industry to provide customers with the funding they need to grow their businesses. Thanks to flexible financing alternatives, outstanding loan amounts, and a range of repayment terms, Become provides companies with a straightforward way to avoid complicated applications and access the funding they require quickly. 

Physical Address


350 Fifth Avenue, 59th Floor

New York City, NY


become customer testimonials

ExcellentReviews 557
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  • author
    Anne To
    Jan 13, 2021
    I am very satisfied with the Prospa…

    I am very satisfied with the Prospa team, especially Mr Blake. He was so enthusiastic to support and took time to explain about everything. Thanks again.


  • author
    Charles L
    Jan 14, 2021
    Fairly easy process

    Fairly easy process


  • author
    Jan 05, 2021
    got a loan with in two days of asking

    got a loan with in two days of asking


  • author
    Akira Brown
    Dec 14, 2020
    Great service Fast

    Great service Fast, Easy to understand funded quickly very honest.


  • author
    Brenda Taylor
    Dec 09, 2020
    Great Experience

    Outstanding! Super fast, easy process. Excellent communication from the lender, and got the loan done in less than 24 hours. Very happy with this.