GUD Capital Review for 2020


GUD Capital is a commercial funding marketplace that helps connect small, medium, and large businesses to over 12,000 business loans and other financing options from over 4,000 lenders. Because GUD Capital doesn’t receive a referral fee from all of the lenders they connect borrowers to, they might charge you a 1% to 2% fee for their services.

Pros and Cons

  • Network of over 4,000 lenders with over 12,00 different loan products
  • Can connect borrowers with nine types of loans including SBA and bank loans
  • Works mostly with small and community banks
  • Can help you decide which type of financing is best for your business
  • Large pool of options to sift through
  • May charge you 1% to 2% fee for their services
  • Limited information upfront about application and post-funding
  • Few customer reviews available online

GUD Capital Business Loans

When you’re looking at the types of business loans offered by GUD Capital, it’s important to remember that these options aren’t actually issued by GUD Capital, but instead by one of their lending partners. 

Once you make a loan request, GUD Capital will help match you with one of the banks, SBA lenders, or alternative lenders within their network. Although GUD Capital works with a total of 4,000 lenders, they primarily deal with small and community banks.

That said, these are types of products provided by the partners in GUD Capital’s network.

Type of Loan Term Interest Rates Time to Fund
Term Loans
One to 25 years
5% to 15%
30 to 90 days
Business line of credit
One to three years
6% to 15%
Three to 30 days
SBA loans
Up to 25 years
5% to 13%
30 to 60 days
Asset-based financing
Six months to three years
8% to 25%
Three to 21 days
Bridge loans
One to 12 months
8% to 20%
Three to 10 days
Alternative loans
Six months to five years
7% to 25%
Three to 10 days
Merchant cash advance (MCA)
Three to 24 months
1.16 to 1.50 factor rate
As little as one business day
Equipment financing
One to 25 years
5% to 15%
30 to 90 days
Invoice financing
One to 90 days
1% to 2% weekly
One to three days

GUD Capital Borrower Eligibility

Because GUD Capital has such a vast network, they don’t name any minimum requirements for borrowers. Here’s what information they do provide about qualifications:

  • GUD Capital can work with businesses in all industries.
  • GUD Capital can work with businesses in the U.S. (all 50 states), Canada, and the UK.
  • To qualify for bank and SBA financing, a business owner generally needs to have a credit score over 650.
  • To qualify for forms of alternative financing, credit score requirements can range from 500 to 650.
  • GUD Capital can provide startup financing in the form of SBA 7(a) loans, equipment financing, and loans against stocks (often used to fund franchise businesses).

Use our guide to learn more about the most common business loan requirements.

What You Need to Apply

When it comes down to it, the required documentation you need will depend on which product GUD Capital recommends you apply to after you submit your basic information to them. That said, to get started, all you have to do is provide GUD Capital with the following:

  • Full name
  • Phone number
  • Email address
  • Desired loan amount
  • Annual revenue
  • Loan purpose
  • Approximate credit score

How to Get a Loan Using GUD Capital

If you’d prefer to take advantage of GUD Capital’s network and expertise to find the right loan for your business, here’s what you’ll want to keep in mind when it comes to their application and funding process.

Application and Underwriting Process

As we mentioned above, to initiate the funding process with GUD Capital, all you need to do is fill out the basic application form on their website.

When you submit that initial application to GUD Capital, they’ll reach out to get a bit more information about your business. With this information, they’ll narrow down your borrowing options and come up with tailored recommendations for the loan product and lender in their network that’s best for your business.

From there, you will likely need to fill out a more formal and thorough business loan application for whichever direct lender you decide to apply with through GUD Capital. Odds are, a member of the GUD Capital team will help you prepare your application for funding, though it’s hard to tell without entering the full application process.

Depending on which type of funding you decide to apply for through GUD Capital, you’ll have to compile specific combinations of documents. This documentation will range in thoroughness—from the limited stack of documents you’ll need to apply for a merchant cash advance—to the many documents that SBA loans require.

Post-Funding Process

If you end up funding through the GUD Capital network, then your post-funding experience will fully depend on which of their 4,000 lender partners they match you with. So, needless to say, because GUD Capital will hand you off to one of their business lenders, there’s really no telling how your post-funding experience will be. 

Even more, your experience of repaying and potentially renewing your funding will rely heavily on what type of funding you access through GUD Capital—and that will be just one of the 12,000 loan products that they offer.

Because GUD Capital’s lender network doesn’t necessarily filter your options for you, be sure that you know what questions to ask about the post-funding experience of the lenders and products they match you with on their platform.

Here are examples of crucial post-funding experience questions to ask before you decide to fund with a lender in the GUD Capital network:

  • Does this product come with prepayment incentives, or does it come with prepayment penalties?
  • How frequent will my scheduled payments be for repaying this funding?
  • When will I be eligible to renew my funding with this lender?
  • When will my first payment be due for this debt?
  • How will I be able to keep up with my repayment progress for this funding?
  • WillI this lender provide a dedicated team member that I can go to with future questions?

After all, knowing the answers to these questions will help you determine if any loan option is suitable for your business—so you’ll want to have any and all information you need to make the right decision.

GUD Capital Customer Service

GUD Capital customer service is available by phone and email.

You can call customer support representatives at (866) 526-0238. According to the GUD Capital website, they have specialists available 24/7.

You also email support at or fill out the information form here.

GUD Capital Customer Reviews

Unfortunately, GUD Capital reviews from customers are few and far between. The only customer review forums that we could find GUD Capital profiles for were Google Reviews and Facebook Reviews. 

Although some recent Google reviews include brief comments, both positive (“fantastic experience, quick and painless”) and negative (“this company was very unresponsive”), most of the GUD Capital reviews online only consist of simple star ratings.

Generally speaking, limited access to detailed customer reviews can be a red flag, so be sure to do your research and tread carefully before moving forward with GUD Capital.

Top Alternatives to GUD Capital

GUD Capital

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Funding Circle




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Products Offered

Term loans

Products Offered

Invoice factoring; lines of credit

Products Offered

Term loan; lines of credit

Products Offered

Term loans; lines of credit

Interest rates

Starting at 4.99%

Interest rates

Starting at 0.25% per week; Starting at 4.8%

Interest rates

Starting at 35.1%; 31%

Interest rates

8% to 30% APR

Minimum credit score required


Minimum credit score required

530; 650

Minimum credit score required


Minimum credit score required

600; 660
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Frequently Asked Questions

Is GUD Capital in Fundera's Network?

GUD Capital is not in Fundera’s Lender Network. The Fundera team carefully vets all of the lenders in our network, and have determined that GUD Capital either doesn’t have the technology to work with Fundera or does not offer a financing product that competes with the other lenders in its product class. We suggest considering another lender in this product class.

See if you qualify for similar products in Fundera’s Lender Network.

Senior Staff Writer at Fundera

Randa Kriss

Randa Kriss is a senior staff writer at Fundera.

At Fundera, Randa specializes in reviewing small business products, software, and services. Randa has written hundreds of reviews across a wide swath of business topics including ecommerce, merchant services, accounting, credit cards, bank accounts, loan products, and payroll and human resources solutions. 

Read Full Author Bio