About Us

With over $5 billion in funding provided, Balboa Capital has helped thousands of business owners and equipment vendors grow their companies.

We are transforming small business lending.

It’s no secret that getting growth capital can be difficult. Low credit scores, cash flow problems, and a lack of collateral are preventing business owners from getting the loans and financing they need. That is where Balboa Capital comes in. We’re a BBB accredited online lender that is transforming business lending. We offer a variety of small business funding options to choose from.

  • Small business loans
  • Equipment financing
  • Commercial financing
  • Vendor financing
  • Franchise financing
  • Business line of credit
about us

Small business funding in the fast lane.

Balboa Capital’s online tools and technology allow for an easier, quicker, and more user-friendly experience. Applications are short and simple, approval decisions are instant, and funds are delivered fast. There is no need to drive to a bank, no paperwork to fill out, and no collateral required.

Plus, we look at all credit scores. As a result, we are able to provide welcome relief to business owners who were told “no” by their banks or credit unions.

young male business owner on a phone call

Reasons to choose Balboa Capital.

Qualifications 2

A+ BBB rating

Over $5 billion funded

Qualifications Icon

No hidden fees

Excellent customer service. Verified.

Balboa Capital is proud to announce that our 2021 Net Promotor Score® (NPS), which is the industry standard for measuring customer satisfaction, is 77/100. This is the second-highest NPS score in the U.S. financial services industry. Our high NPS score demonstrates our dedication to delivering exceptional customer service at every stage of the small business funding process. NPS scores range from -100 (poor) to +100 (best), and our +77 score puts us in the top 4% of all companies in the financial services industry.

wooden blocks spelling survey with a happy face

Leading with our values.

Balboa Capital’s values reflect who we are and what we stand for as a direct business lender. We never lose sight of what matters most: our relationship with the small business owners, franchise owners, and equipment vendors who look to us for financing.

Whether you have questions about our financing products or need to inquire about your account, you can always count on receiving customer service that is second to none. Providing you with the right answers and the best solutions is what you expect from a top-rated independent financing company, and we wouldn’t have it any other way.

variety of illustrations with values concept

Affiliations and memberships.

Balboa Capital’s management team and employees are extremely busy serving the needs of our customers. That said, we think it is very important to connect with our peers. We do this by being actively involved in national-level organizations, local business associations, and industry-specific groups.

These affiliations allow us to make valuable professional contacts and stay on top of the latest developments in the equipment financing industry.

  • American Association of Commercial Finance Brokers
  • Equipment Leasing and Finance Association
  • National Equipment Finance Association
  • Water Quality Association
  • Business Technology Association
  • National Association of Convenience Stores
  • Used Truck Association
  • Health, Racquet and Sportsclub Association
group of business professionals in a meeting