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Iron Capital Group Small Business Loans Review


ConsumersAdvocate.org Rating: 3.8 / 5 (Very good)
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Iron Capital Group is New Jersey-based company specializing in alternative funding for individuals and small businesses. Their exclusive credit line program allows them to lend to anyone with a 600+ FICO score, and their other specialized programs have a 90% approval. These include merchant cash advances, accounts receivable financing, collateral lending, and others.
 
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How is Iron Capital Group rated?

Breakdown

4.0/5
Loan Options
4.0/5
Application Requirements
3.5/5
Average Rates & Fees

Overall Rating: 3.8 / 5 (Very good)

Iron Capital Group is a broker that offers lines of credit, invoice financing, and merchant cash advances. In a business sector where loans are notoriously predatory, Iron Capital has a great reputation and many glowing customer reviews online, though loan details are on the light side. Customers mainly cite service exceededing their expectations, and creative financial processes to get them the amount they desired.

Loan Options

Available Loan Types

SBA Loans
Revenue-based Financing
Equipment Funding
Working Capital Loans
Term Loans
Lines of Credit
Invoice Financing
Merchant Cash Advances
Equipment Loans

Business Lines of Credit

Min Loan Amount
$20,000
Max Loan Amount
$130,000
Repayment Terms
Monthly payments of 1% of the balance

Loan Options - 4 / 5

Iron Capital Group is a broker that can provide access to lines of credit, invoice financing, and merchant cash advances. Lines of credit can be anywhere between $20,000 and $130,000. The company, however, does not provide any further details about maximums for their other loan products, as well repayment terms for any.

Iron Capital Group Rates & Fees

Lines of Credit

Max APR
1.9%

Lines of Credit

Fees: APR is valid during the introductory period of 12-18 months.

Average Rates & Fees - 3.5 / 5

Iron Capital advertises an extremely low introductory rate of 0%-1.9% for its credit line loan program. The is only for the first 12 to 18 months, though. Afterwards the company provides no information on what the APR will be. Iron Capital is also less than forthcoming about any associated fees.

Application & Qualifications

Online Application
Approval Time
Minutes
Funding Time
Within 24 Hours
Min. Credit Score
600

Application Requirements - 4 / 5

Iron Capital requires a 600+ credit score, but offers no further information about qualification requirements. Approval can come within minutes, and businesses can receive funding in as little as 24 hours.

Iron Capital Group Reputation

Customer Feedback

Trustpilot Score
9.2 out of 5
Date Collected
2017-08-23

Consumer Education - 3.5 / 5

Iron Capital group has a great Trustpilot score of 9.2 with an overwhelming 96% of reviews being positive. Online reviews across such platforms as Google are similarly positive. Customers frequently cite great responsiveness of staff, and loan amounts that exceeded expectations.

Contact & Additional Information

Homepage URL
https://www.ironcapgroup.com
Company Phone
(888) 275-4766
Headquarters Address
52 Park Ave, Suite B3, Park Ridge, NJ, 07656

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Customer Comments & Reviews

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Robert G
9/19/2018
This company uses misleading advertising to hook their clients. Iron Capital Group claims that all you need is a fico score of 600 to get pre-approved for funding but if they don't want to help you then it becomes an issue with your credit report. I have a FICO score of 720 with TransUnion and Equifax but I was told by Iron Capital I need a co-applicant. Why do I need a co-applicant? You will be told all kinds of lies by these people and they don't check any further to see if there is anything they can do to get you approved. All of the reviews at their website are all 4 and 5 star ratings. This may be all right but if you post anything negative about them it will get deleted. I have... Read More

Zachary S
9/2/2018
read contract!!! A lot of shady things in it. You do all the work for them. Sent me to Navy Federal and Pentagon Federal to get my own accounts and charged me 15%. $1000 dollar cancellation fee. $1000 dollar fee if you shop around for lender. Rude and will call and email you more than 3 times a day

Top Rated
Our Partner

Applying won’t affect credit score

  • Loan Amounts: $5,000 to $250,000
  • Average Yearly Revenue requirements: $100,000
  • Minimum Credit Score: 625 FICO
  • Minimum Time in Business to apply: 1 year
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