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Triton Capital business loans: 2023 review

Updated on Mar 08, 2023
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At a glance

Overall Score 4.3
Overview Founded during the recession in 2008, Triton Capital provides small businesses with working capital, equipment and SBA loans. It has a quick approval process.
Loan amount: $10,000-$500,000
Interest rates from: 5.99%-74.99%
Term lengths: 3 months-7 years
Minimum credit score: 600

Who Triton Capital is best for

Triton Capital is best for small- to medium-sized businesses and newer businesses. Its loans for equipment purchases are available to startups, while working capital loans are available for companies that have been in business for as little as one year. Note that the required annual revenue of $350,000 might put these loans out of reach for some newer businesses.

Who Triton Capital may not be best for

This lender is not good for businesses that need to borrow particularly large amounts. The maximum loan amount ranges from $250,000 for working capital loans to $500,000 for equipment loans.


Triton Capital pros and cons


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    Fast approval and funding process

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    Low minimum loan amount

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    Short time-in-business requirement


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    High maximum interest rate

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    Requires a personal guarantee

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    High required annual revenue

Business loan types offered

Triton Capital offers three types of loans for small- to medium-sized businesses: working capital, equipment and SBA loans.

Working capital loans

This unsecured loan is good for businesses seeking to manage their cash flow, hire new employees or start new projects. Business only need to have been in operation for one year. Payments can be made daily, weekly or monthly. To qualify for this or an equipment loan, your business will need at least $350,000 in annual revenue.

Triton Capital charges an origination fee of 1 percent to 2.5 percent on working capital loans.

Equipment loans

Equipment loans are secured through the equipment being purchased, which may mean lower rates. As the loans are secured, this product may be available to start-ups. Payments can be made monthly, quarterly, semi-annually, annually or seasonally.

Triton charges a documentation fee of $150 to $750.

SBA loans

SBA loans typically offer a lower interest rate than other loan types. They can be used for debt refinancing, marketing, adding employees, purchasing equipment and inventory or business expansion. But Triton Capital’s SBA loans also require a longer time in business — four years — a higher credit score, and more annual revenue than its other business loan products. Rather than lend the funds directly, Triton Capital matches businesses with SBA lenders.

These loans come with an origination fee of 1 percent to 5 percent.

Do you qualify? 

To qualify for a loan with Triton Capital, your business must meet at least the following requirements.

  • Credit score: 600 (680 for SBA Loans)
  • Revenue requirement: $350,000 ($500,000 for SBA loans)
  • Not operating in an excluded industry: Adult, gaming, day trading, crypto and cannabis/CBD/hemp 

All owners with at least 10 percent stake must be on the loan application and must provide a personal guarantee.

What we like and what we don’t like

Triton Capital is geared to the fast-paced nature of small- and medium-sized businesses.

What we like

  • Fast approval and funding process: Triton Capital typically returns a lending decision within two to four hours — much faster than traditional bank. Plus, funds can be distributed within one to two business days. That’s ideal if you need fast funds to take advantage of an opportunity or cover a bill.
  • Low minimum loan amount: Businesses can borrow as little as $10,000 — so you don’t have to commit to repaying a larger loan than you actually need.
  • Short time-in-business requirement: Equipment loans may be available to some startups, while working capital loans only require one year in business.

What we don't like

  • Potentially high interest rate: Interest rates can be as high as 74.99 percent on a working capital loan. That figure doesn’t include fees, so actual borrowing costs may be even higher.
  • Requires a personal guarantee: Business owners must personally guarantee these loans, potentially risking personal assets if they default. However, Triton Capital also supports “corp only” requests, which do not require a personal guarantee.
  • High required annual revenue: Triton Capital’s revenue requirement of $350,000 is higher than many other online lenders’.

How to apply for a loan with Triton Capital

Triton Capital offers an easy online application process. Or you can talk to a client advocate by calling 877-822-1333 between 7 a.m. and 4 p.m. PST or emailing In addition to the application, you’ll also need these documents

  • Business’ most recent tax return 
  • Three to six months of bank statements

When you apply, Triton Capital will conduct a soft credit pull, which will not impact your credit score.

Triton Capital FAQs

How Bankrate rates Triton Capital

Overall Score 4.3
Accessibility 4.5 High minimum annual revenue dips an otherwise excellent score.
Affordability 4.0 Triton Capital has a great starting interest rate, but its high max drags this score down.
Transparency 5.0 Some important details, like fees and maximum interest rate, aren’t publicly posted.
Customer experience 4.1 Generous customer support hours plus online applications and account management boost the score.
Flexibility 3.8 Triton Capital offers equipment, working capital and SBA loans.


To select the top small business lenders, Bankrate considers more than 20 factors. These factors include loan amounts, approval and funding times, credit requirements, APR or factor rate ranges, fees, and easy-to-find rate and fee disclosures. Bankrate reviewed more than 20 lenders and gave each a rating, which consists of five categories:

  • Accessibility: Factors considered in this category include minimum loan amounts, approval and funding speed, minimum annual revenue and minimum credit score.
  • Affordability: This section measures interest or factor rates and fees.
  • Transparency: How easy it is to find important rates, fees and eligibility requirements are considered in this category.
  • Customer experience: Customer service hours, online applications and app availability are considered in this category.
  • Flexibility: This category considers factors like the number of loan products and ability to change payment due date.

Editorial disclosure: All reviews are prepared by staff. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including rates and fees, presented in the review is accurate as of the date of the review. Check the data at the top of this page and the lender’s website for the most current information.