Triton Capital Inc. Small Business Loans

About Triton Capital, Inc.

Triton Capital, Inc.

A+ BBB Rating and 88% of our customers return for additional funding.  Our mission is to provide your business with transparent, cost effective financing solutions to help you grow.  We've helped thousands of business owners secure funding and look forward to partnering with you.

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Who is Triton Capital?

Triton Capital provides financing to small- and medium-sized businesses in all 50 states. Headquartered in San Diego, the company launched during the Great Recession of 2008 when small businesses were in dire need of alternative sources of financing.

Although the company originally launched as a resource for equipment financing, the alternative lender now offers SBA loans, working capital loans, equipment loans and business lines of credit. Triton is a direct lender, but it also partners with other lenders.

Why choose Triton Capital?

Triton’s innovative technology streamlines the loan application process for loan products that typically carry lower interest rates and offer longer repayment terms than competing lenders. The company claims 82 percent of its clients return for additional funding and that its customers see funding in about four hours — 10 times faster than other lenders.

One of the company’s most unusual features is its pledge to offer the lowest payments on equipment financing and working capital. If you happen to find a lower rate, Triton will beat it or pay you $250. This business model ensures Triton is offering you transparent, low-cost solutions. Its drawbacks include tougher underwriting requirements and extensive paperwork.

Loans by Triton Capital

Triton Capital has a diversified portfolio of financing options, including working capital and SBA-backed loans. You can use its SBA loans can for debt refinancing, marketing, business expansion, new employee hires and equipment purchases — these loans are geared toward established businesses with solid credit histories and strong balance sheets.

Triton advertises competitive interest rates, but its loans come with an origination or documentation fee. Here’s a side-by-side comparison of Triton Capital loan products:

Triton Capital: At a Glance
Loan product Loan amount Loan term APR range/ factor rate Fees Time to funding
Working Capital Up to $250,000 6 to 36 months Starts at 8.99% Possible origination/documentation fee Approval in 2 to 4 hours; funding in 1 to 2 days.
Equipment Capital Up to $250,000 12 to 60 months Starts at 5.99% Possible origination/documentation fee Approval in 2 to 4 hours; funding in 1 to 2 days.
SBA Loans Up to $350,000 3 to 7 years 6.25% to 14.87% Possible origination/documentation fee 15 days or fewer

Rates current as of 7/3/2018

Eligibility requirements

Loan product Annual revenue Min. business credit score or personal credit score Time in business
SBA Loans $500,000 680 or above 4 years or more

Applying for a loan

As part of the application process, Triton will request your name, business name, email and mailing address, phone number and financial information. Your required financial information might include bank statements, credit card statements, average bank balance, personal and business credit history, bank account information, tax ID number and Social Security number. If you need help, you can call a client advocate at 877-822-1333.

The website has a calculator you can use to get an estimate of what a loan will cost you, given certain inputs. For example, you can expect to pay $5,069 a month for 60 months on an equipment loan of $250,000. The total loan and interest payments will come to $340,000.

Required documents for application

Different documents might be required for different loan products. Make sure you have all your documents ready before starting the application process.

Working capital loans require the following documents:

  • Completed application
  • Most recent business tax return
  • Last six months’ worth of bank statements

Equipment loans require the following documents:

  • Completed application
  • Last three months’ of business bank statements
  • Estimated quote on the equipment you want to purchase

SBA loans require the following documents:

  • Evidence of excellent credit
  • Proof of adequate collateral
  • Verification of strong business financials


Pros Cons
 Reasonable interest rates   Origination/documentation fee likely
  Multiple funding options to fit your needs   Tougher underwriting requirements on SBA loans
  Fast approval and funding   Website lacks transparency

Should you apply?

Many of the funding solutions Triton Capital offers are tailored to SMBs with fairly solid track records. Although Triton is a direct lender, it also works with other lenders.

Fine print

Most of Triton Capital’s loans include an origination/documentation fee. For SBA loans, the process is generally pretty straightforward, but always make sure you clearly understand the details, including the interest rate you’re being offered.

The bottom line: How Triton Capital stacks up

Triton Capital has found success in the growing world of alternative financing. It offers a number of financing options aimed at small- and medium-sized businesses and promises a fast approval process on most loans, except those from the SBA. The company’s interest rates sound reasonable, and it offers a guarantee that they can’t be beat.