BriteCap Financial is a data-driven FinTech company dedicated to improving the financial health of America’s small businesses. As an industry leader in direct lending, we strive to build long term, value-added relationships with small business owners that oftentimes are underserved by traditional banks. We believe in transparency and efficiency in our application process. Applying with us only takes a few minutes and won't affect your FICO score. We can have funds in your account in less than 1 business day.
BriteCap Financial (britecap.com) has 664 customer reviews on Five Star Index, with an average rating of 4.6 out of 5.
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Investments & Wealth · Seal Beach, California
Excellent
Investments & Wealth · Irvine, California
Excellent
Investments & Wealth · Calabasas, California
Excellent
Investments & Wealth · Orange, California
Excellent
Showing 15 reviews with 3 stars · Clear filters
Arthur H.
Goog helpfull
Response from BriteCap FinancialOct 21, 2025
Hi Arthur, Thank you for your review! We’re so glad to hear you found our team helpful. We appreciate you taking the time to share your experience and look forward to assisting you again whenever you need us!
Stephen
EXCELLENT STAFF. RESPONSIVE AND CORDIAL. I HAVE BEEN WORKING WITH BRITECAP FOR A COUPLE OF YEARS NOW. ESTABLISHING TRUST WITH BUSINESS ASSOCIATES IS IMPORTANT. IT SHOULD BE REWARDED WITH BETTER TERMS AS RISK DECREASES. I WAS UNABLE TO REVIEW THE TERMS WITHOUT SIGNING THE OFFERING.
Response from BriteCap FinancialApr 22, 2025
Hi Steven, Thank you for your review of BriteCap. We truly value your feedback as it helps us improve. With over 20 years of experience funding thousands of businesses, we strive to provide full transparency and ensure every customer has the information needed to make informed decisions. We’re here to support your future business funding needs and look forward to assisting you again!
Robert
Wasn't a smooth transaction to say the least. Then there was a distrust action thrown into the final funding process. After being told only statements for a 90 day period was all that was needed, after being told I was approved by multiple employees I was asked to prove additional transactions over an above the stated requirements. There was an element of distrust by the BriteCap loan "consultant". Also after it was promised Management would call to discuss the matter and my concerns there was a withhold of who could or would actually address issue. Management never called. At 35% interest rates you would think there would be far more interest to provide satisfaction for a new client.
Response from BriteCap FinancialApr 15, 2024
HI Robert, Thank you for the feedback. We're glad to have provided you with Funding to help your business. We apologize for the confusion around the process. Our team has reached out to you to ensure there are no remaining questions and that you are 100% satisfied with your experience with BriteCap. We look forward to continuing to serve you and your company. We wish you continued success in your business.
Arthur
Upgraded loan was premptive in issuance.
Response from BriteCap FinancialNov 25, 2023
Hi Arthur, We appreciate your trust and loyalty, and look forward to working with you again soon. Best wishes to the continued success of your business!
Stephanie
My experience wasn’t the greatest. After being giving 3 offers, I decided to take an offer from another partner. They sent me all the documents to sign and accept the offer only to be told I couldn’t get that offer. To much confusion and definitely not transparent.
Response from BriteCap FinancialJul 7, 2023
Dear Stephanie, At BriteCap our mission is to help America’s small businesses and strive to provide an excellent customer experience. We appreciate you taking the time to provide feedback. With respect to your concern, we apologize for the confusion. We pride ourselves on our fast, flexible and simple processes. Your feedback will be used to improve our team member training and also to improve our communications with customers. We wish you and your business the best in your future endeavors.
David B.
They were very good in getting the finances, a little on the expensive side but did not have to jump through hoops to get the financing. My only problem is that they also wanted me to move my merchants account to them and now I am waiting much longer to see the money from the credit card receipts.
Response from BriteCap FinancialAug 26, 2016
Hi David, Thank you for your feedback. We are glad that we were able to talk it through with you and your wife to find a solution to speed up the timing of receiving funds from your credit card receipts. Thank you, Sogol Tehranizadeh Marketing Coordinator ForwardLine Financial
Qais A.
Ive been using forwardline for the past 9 mos. Here's my honest input on everything. 1. I was told I could use my existing equipment by the sales rep. - Not True. They sent me new equipment. So i am stuck paying on my Clover, and on the equipment they sent me. My clover is costing me $70 a month. Forwardline only reimburses upto $500. This will not cover my clover equipment. Mislead me on this. 2. I was told money would be taken out on each transaction. 20% of each transaction. NOT TRUE they lump up the total and withdraw a large sums at one time. Not per transaction as I was led to believe. 3. They will charge you processing fee for your credit card transactions. Their fees are higher than what mine were. This is what really upset me. Im paying more for processing fees now than before. I was told that forwardlines fees would be comparable if not cheaper than my old processor. 4. Card Processing- You do have to switch to their processing system. Originally I was told I could use mine (NOT TRUE) 5. Loan has to be paid in 18months. Overall its ok. many of the things that the sales rep told me had loop holes or were not true. Also- this week I had a large lump of money taken out $2,000 plus a $400 card processing fee. Our old processing fees have never hit $400 even on our best sales months. This week my account is negative $200. Im really disappointed right now. Lastly - they send you all those flyers that say your pre approved upto $150,000. NOT TRUE!!!! this is just a gimmick, when you call they only approve you for how much you process. I usually process around $15K a month I got a loan for $18K. Well I just received my forwardline card processing statement. On a month that we did $14,000 we were charged $435.44. Our old processor would have been around $200. So thats the truth behind forwardline.
Response from BriteCap FinancialMar 17, 2016
Dear Mr. Arabo, Thank you for your feedback. I have asked our sales and merchant support teams to look into your account. Someone will reach out to you shortly. Sogol Tehranizadeh Marketing Coordinator Dear Mr. Arabo, It is to our understanding that our Sales Director, David Leibovitch has been in contact with you and the matter has been discussed and resolved. If you feel that this is not the case, please feel free to contact us at [email protected]. Thank you, Sogol Tehranizadeh Marketing Coordinator
HOTH
So far my experience is ok...Paul seems like a nice enough salesman but I was misled from what the loan entailed being a credit card processing company to having to send in my paid for compliance good machine to them to hold....am grateful for the loan but time will tell if I regret this dicission or not....
Response from BriteCap FinancialJun 16, 2015
Thank you for your honest feedback. I've passed along your review to our Payment Processing team, and someone from there should be reaching out to you shortly. Regards, Kate Manager, ForwardLine