Infinity Capital Funding (Primary Capital) Review

Based out of Woodland Hills, California, Infinity Capital Funding was a merchant cash advance (MCA) provider known for their four different MCA funding programs. In January 2020, however, Infinity Capital Funding was acquired by Primary Capital Funding, an MCA company located in West Orange, New Jersey.

Below, you’ll find information about the merchant cash advance financing available through Infinity Capital Funding as part of Primary Capital.

As we briefly mentioned above, prior to the acquisition with Primary Capital, Infinity Capital Funding offered five different types of small business loan programs—four of which were merchant cash advance programs—and one short-term loan program. Based on the information provided on Primary Capital’s website, however, it seems that they are focused solely on merchant cash advances. 

Overall, Primary Capital provides very few details upfront about their MCA lending program. That said, here’s what we do know about what they have to offer:

• Merchant cash advances that can be repaid daily or weekly.
• Variable terms, that typically take anywhere from one to 12 months.
• Financing can be used for a variety of purposes, including purchasing equipment or inventory, managing cash flow, and paying for marketing or advertising for your business.
• You can go from application to  funding in as little as two hours.

As we’ll discuss below, Primary Capital provides a little bit of insight into their application process—however, they do not offer information regarding advance amounts, factor rates, qualifications, or eligibility criteria.

• Basic information about you, the business owner, and your business, including:
  • Advance amount request
  • Time in business
  • Credit score
  • Average monthly revenue
  • Business name
  • Contact information
• Credit card statements

Based on the lack of information available on Primary Capital’s website—and generally online about the company—we wouldn’t recommend turning to this provider as your first choice for a merchant cash advance. Instead, if you’re looking for access to quick, flexible financing, you still have a variety of options, and these guides might point you in the right direction:

• Best Merchant Cash Advance Companies
• Best Business Loans for Bad Credit
• Best Easy Business Loans

Nevertheless, if you want to learn a little more Primary Capital’s application process, here’s what you can expect:

To start the application process with Infinity Capital Funding, now Primary Capital, you can fill out an initial inquiry form on their website. This form will ask for basic information, including your advance request amount, time in business, average monthly revenue, and credit score.

After you complete and submit this form, Primary Capital will put you in touch with one of their relationship managers. This individual will contact you and discuss your business’s financing needs.

Next, your relationship manager will help you complete and submit your actual application. At this point, your application will go through the initial underwriting process and you’ll hopefully receive an offer.

If you receive an offer, you’ll also receive a contract, which you then can review and decide whether or not you’d like to accept. If you accept your financing, your relationship manager will handle final underwriting, due diligence, and ensure that you get your business funding as soon as possible.

Finally, the last step is transferring the funds to your account. According to Primary Capital’s website, this can often happen in just a few days.

After receiving funding from Primary Capital, you’ll keep your relationship manager, who will serve as your point of contact for advice regarding repayment and future financing needs.

You’ll make payments on your MCA on a daily or weekly basis (as laid out in your contract) until the entire advance has been repaid.

As Infinity Capital Funding has been acquired by Primary Capital, you’ll have to reach out to their team for customer service. You can contact Primary Capital by calling 718-509-0060. 

You can also email them at info@primarycap.com or by filling out the inquiry form here.

Primary Capital does not specify the hours during which their customer service representatives or relationship managers are available.

Unfortunately, it’s pretty difficult to find Infinity Capital Funding reviews online—both before and after their acquisition with Primary Capital.

First and foremost, in terms of searching strictly for Infinity Capital Funding reviews, you’ll find that there aren’t many relevant results—other than the company’s page on the Better Business Bureau website. Although ICF is not BBB-accredited, they do have an A+ rating listed on the site.

That said, although Infinity Capital Funding only had two complaints closed in the last three years, they also only have one one-star review (from 2018) listed on the site.

With all of this in mind, however, searching for Primary Capital reviews seems to be even less helpful. It seems that there are a number of other companies operating in the finance space that are also called “Primary Capital” (e.g. a mortgage broker, an investment banking firm) and we could not find any customer reviews relating to the merchant cash advance provider, Primary Capital.

Infinity Capital Funding is not in Fundera’s Lender Network. The Fundera team carefully vets all of the lenders in our network, and have determined that Infinity Capital Funding 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.