The Loan Exchange Review

ByTop10 StaffNov. 17, 2020

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In a Nutshell

Ideal for small business owners seeking prime business loans or working capital loans, The Loan Exchange’s loans are low risk and come with excellent customer support.


  • Get cash in as fast as 3-4 hours
  • No prepayment penalties
  • Minimal documentation required


  • Website is short on information
  • No live chat

The Loan Exchange at a Glance

Loan typesBusiness Loans, Working Capital
Loan amountBusiness Loans: $3.5k-$100k
Working Capital: $6k-$75k
Repayment terms1-120 months
APRBusiness Loans: From 14.90%
Working Capital: From 25.59%
Suitable forSmall business owners

Visit The Loan Exchange


The Loan Exchange partners with a network of lenders that offer a variety of loan products; for business, there are 2 main loan types: prime business loans and working capital loans.

Suitable For?

Small business owners who need monetary assistance for:

  • Operating costs
  • Payroll float
  • Marketing expenses
  • Equipment purchases
  • Expansion

Loan Features

Prime business loans are low-risk loans that are usually granted to borrowers with good credit scores. These loans can be used for a one-time large purchase of business equipment, property, etc. and usually have relatively low interest rates and APR.

Prime business loans from The Loan Exchange include:

  • APR as low as 14.90%
  • A loan of up to $100,000
  • 10-year repayment term

A working capital loan is a loan that’s used to help a company operate on a day-to-day basis. This can cover anything from paying workers’ salaries or paying off a short-term debt. Working capital loans are suited for businesses that operate on seasonal or cyclical sales, and the funds can then be used to help the business stay afloat during low points of business activity.

Working capital loans from The Loan Exchange include:

  • APR as low as 25.59%
  • A loan of up to $75,000
  • 2-10 year repayment terms

The Application Process

The application process can be completed solely online (though you can talk to a loan agent on the phone as well). To apply online, just go to the website, fill out an application form, and get customized loan offers from different lenders on the spot. You can choose the loan that suits you, and then finalize documents with the lender and receive money deposited into your checking account, sometimes even on the same day.

How Much Can You Borrow?

Prime business loans are generally large loans and range from $76,000-$250,000. Working capital loans are usually for lower amounts and range from $6,000-$75,000. They also have a higher interest rate.

Type of LoanPrime BusinessWorking Capital
Loan Amount$3.5k- $100k$6k- $75k
Term of Loan120 Months24-120 Months
APR From14.90%
Payments From$1,221.50 - $4,018.08$132.29 - $1,653.61

Repayment Terms

Prime business loans can be paid back over the course of 120 months (10 years) with monthly payments as low as $1221. Working capital loans can be paid back between 24 and 120 months (2-10 years) with monthly payments as low as $132. You can repay your loan at anytime with no penalty. 

Help & Support

You can reach a customer support or loan agent by phone or in-site messaging during business hours, Monday through Friday, between 8:00 am and 5:00 pm PT.


The Loan Exchange offers 2 types of business loans: primary and working capital. Because the selection of loans is not large, it’s a good choice for people who want to make simple decisions with straightforward loan parameters.

Physical Address

333 City Boulevard West Suite 1700

Orange, CA 92868


The Loan Exchange customer testimonials

GreatReviews 6
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  • author
    Aug 19, 2019
    These guys are good

    These guys are good. I like this place because they give you options and actually sound like they care unlike a lot of other people I talked to when I was looking for a loan. Interest rate isn't the best but neither is my credit . there are no early payment fees so that helps too


  • author
    Apr 08, 2019
    Ihomeless and i need money to get me…

    Ihomeless and i need money to get me place to live


  • author
    Thomas Peterson
    Mar 22, 2019
    I am going through identity theft and…I'm not going to be living here with out a loan from someone

    I am going through identity theft and to say the least it's been a big pain trying to get a loan to help me pay my bills and I'm thinking your just going to get rid of me just like everyone else is doing before any of my problems started I was almost 700 credit score and after well I can't even get anyone to Barrow be me 500 or more it's not right it's not my fault there has to be someone who can help me out with this please if I didn't need the money badly I wouldn't be here.


  • author
    Nov 13, 2018
    Freddy was great 5 out of 5 stars

    Freddy was great 5 out of 5 stars. He was nice, professional, and patient with me when it came to changing my USD to NZD.


  • author
    Oct 13, 2018
    Very pleased with service

    Very pleased with service. Everyone has been extremely helpful. Most importantly, I’m liking he results!


The Loan Exchange