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Triton Capital Small-Business Loan Review 2025
Triton Capital’s online equipment loan helps entrepreneurs secure essential business equipment and offers flexible repayment schedules.
Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
Our Take
4.0
NerdWallet rating
The bottom line:
Triton Capital equipment loans are a good option for bad-credit borrowers who need to finance various types of business equipment, but you’ll need at least $150,000 a year in revenue to qualify.
Repayment schedules available in monthly or longer terms.
No prepayment penalties.
Can be used to build business credit.
Cons
Relatively high annual revenue requirement.
Charges an origination fee.
Website lacks transparency.
Full Review
Editor's note: While Triton Capital also offers general working capital and SBA loans, this review focuses on its equipment financing.
Triton Capital is an online lender offering small-business loans for businesses that have been in operation for at least
24
months. (Startups may also be able to qualify but will be offered more expensive financing.) Small-business owners can borrow up to $
250000
to buy new or used equipment, like food trucks, computers, medical equipment and more.
When you buy equipment using a Triton Capital loan, the equipment itself serves as collateral. That means that if you fail to repay your loan, Triton Capital may take your equipment to cover its losses, but you don’t need to provide additional collateral.
Triton Capital is best for borrowers who:
Have bad credit. With Triton Capital’s equipment loan, you may qualify with a credit score as low as
580
.
Don’t want to make frequent payments. Triton Capital allows borrowers to repay their equipment loans either monthly, quarterly, annually, semiannually or seasonally.
Have an established business. Triton Capital requires annual business revenue of $
150000
or more. It also charges higher interest rates for businesses less than 24 months old.
Triton Capital loan requirements
To qualify for an equipment loan from Triton Capital, you’ll need to meet the following minimum requirements:
Credit score:
580
.
Time in business:
24
months. (More expensive loans may be available for younger businesses.)
Annual revenue: $
150000
.
Triton Capital equipment loan features
Loan amount
Up to $
250000
.
Estimated APR
6.5
% to
34.99
%.
Fees
$150 to $750 in origination fees, depending on how much you’re borrowing.
No additional fees or prepayment penalties.
Terms
12
to
60
months.
Repayment schedule
Monthly, quarterly, annually, semiannually or seasonally.
Funding speed
Approval within two to four hours, and funding in one to two business days.
Where Triton Capital stands out
Flexible repayment schedule
Triton Capital offers a more flexible repayment schedule than many lenders, allowing borrowers to make payments monthly, quarterly, annually, semiannually, or even seasonally. In contrast, many other online lenders require weekly or even daily repayments.
Low credit score requirement
Triton Capital’s equipment loan has a minimum personal credit score requirement of
580
, making it a potential option for bad-credit borrowers. And because the lender reports payment activity to commercial credit bureaus, borrowers may be able to build their business credit history by making timely payments.
From Our Nerds: Flexible financing can offer a lifeline for seasonal businesses
“Triton Capital’s flexible repayment schedule can benefit businesses with fluctuating cash flow, allowing them to align loan payments with revenue cycles. Less frequent payments — something not all lenders allow — reduces administrative headaches and gives borrowers more time to generate the sales needed to repay their loan.”
Ryan Brady, lead writer, Small Business
Where Triton Capital falls short
Not a good choice for startups
Because Triton Capital requires $
150000
or greater in annual revenue and charges higher interest rates for businesses less than
24
months old, this loan may not be the best fit for startups.
Triton Capital provides limited details about its equipment loan on its website, requiring prospective borrowers to reach out to a company representative for more information. For example, it doesn’t disclose its qualification criteria or APR range. NerdWallet gathered that information from the lender.
National Funding is another online lender offering equipment loans for small-business owners. It only requires
6
months in business to qualify for funding, making it a good option for startups. National Funding also stands out by offering prepayment discounts, allowing borrowers who pay off their loans early to save. However, it has a lower funding limit of $
150000
compared with Triton Capital’s $
250000
, and a higher minimum credit score requirement of