Fast Capital 360 Review

About Fast Capital 360

Fast Capital 360 Review

If the world was filled with stores like Walmart, McDonald’s, and Rexall, then it’d be a pretty dull place. While there is something to be said about familiarity, these large corporations can’t compare to the heart and soul of a small business. 

However, these creator-owned enterprises often struggle to receive the financial backing they require, and you may even face these economic pressures, this is also common occurrence in small business[1].

Allow me to introduce a company that may have all the answers to your financial problems: Fast Capital 360. They’re a small brand that offers loans to others with an insanely quick delivery speed.

Over 35k businesses have put their faith in Fast Capital 360, leading to them earning glowing praise on multiple customer review sites. 

As if that wasn’t enough, they have over 2,000 likes on Facebook and nearly 600 followers on Instagram. Those numbers may be small, but power comes in small packages.

Don’t worry; I’ll show you what you can receive from this company in this Fast Capital 360 review. 

I’ll cover the company’s founding principles, their dedication to supporting small businesses, their multiple plans, their fees, what you need to qualify for their plans, their interest rates, what customers have to say about them, and more.

Overview of Fast Capital 360

Fast Capital 360 Review

Barbara Weidner co-founded Fast Capital 360 in Pennsylvania in 2013 as a small business that could help other small businesses. As the brand proudly states on their website, capital is essential for businesses to thrive. It doesn’t matter what you’re selling, capital is essential.

It’s even more important for small businesses because major corporations hog all the funds. It can be tough for the little guy to get a leg up in order to provide people with the personal, humble, and human products that larger companies often don’t produce. That’s where Fast Capital 360 comes in.

They want to empower smaller businesses, and individuals, by helping them get the loans they need. Not only do they facilitate financial loans between clients and lenders, but they also provide advice in the form of blog posts and guidance for those who aren’t sure which loan is best for them.

Those qualities make them essential in today’s marketplace, not just for actual businesses but the marketplace of ideas too. 

It’s far too often that small businesses with bright ideas that are powered by thoughtful individuals are crushed or forced into early retirement due to a lack of funds. This isn’t the business’ fault, nor is it the fault of their owners.

That’s why Fast Capital 360 is such an enticing company. Not only do they cater majorly to small businesses, but they can also supply customers with rapid approvals and loans within days. This can be crucial for helping companies get their projects off of the floor and onto the runway.

With all that considered, Fast Capital 360 seems quite promising. In the next section of my Fast Captial 360 review, I’m going to examine some of the other promises that they can fulfill.


  • Multiple different loan plans for individuals and small businesses
  • Interest rates start as low as 6.75%
  • Online guide to help customers decide on the best plan for themselves
  • Fast application and delivery of funds
  • Available in all 50 states
  • Freedom to choose between multiple lenders

Fast Capital 360 provides loans for small businesses for a variety of expenses. I’ll go into the different types of loans they offer later in this Fast Capital 360 review.

Fast Capital 360 Loans Review

Fast Capital 360 Review

I’m going to go through all the necessary details to get the money you need to help finance your dreams in this Fast Captial 360 review. The brand offers speedy loans that are yours to access after completing a short questionnaire. 

The quiz consists of questions concerning your business and yourself. The point of this quiz is for Fast Capital 360 to help you select the best loan options. I’ll cover the different types of loans that you can earn through them in a second, but first, I want to tell you that you can earn loans in as little as 24 business hours. 

What Are the Types of  Loans Offered by Fast Capital 360?

Fast Capital 360 Review

This section of my Fast Capital 360 review will cover all the loans that you could possibly receive through the company. As a brief overview, these are all the major types of loans that Fast Capital 360 provides for short-term loans:

  • Short-term loans
  • Merchant cash advances
  • Business lines of credit
  • Invoice factoring

Meanwhile, here are all their longer-term loan plans:

  • SBA loans
  • Business term loans
  • Equipment financing

How Does Fast Capital 360 Work?

Fast Capital 360 Review

After you’ve completed the Fast Capital 360 questionnaire, figured out the best loan plan for you, and chosen the one that best correlates with your needs and qualifications, then you’re all set. 

The interest rates on loans start at about 6.75%, but obviously, that number can increase depending on the type and duration of the loan. They grant loans that can run as high as $500k for businesses.

The specifics of how the repayment process works depend on, first of all, your plan, and second of all, whether you select a short-term or a long-term plan. I’ll cover the repayment with the information provided regarding small business plans.

Short-term plans can net you a loan of up to $500k starting at a 10% interest rate. You should receive these funds within one day and you’ll have anywhere from 3 months to 18 months to repay them.

Medium-term plans can receive up to $250k starting at a 7% interest rate. These funds take over a day to arrive but you’ll have much more time to repay them. You can repay them in anywhere from 1 year to 5 years’ time. 

Long-term plans can provide up to $350k in capital, starting at a 6.75% interest rate. Funding is avaible in 7 days and repayment terms can extend up to 10 years. 

What Are the Features of Fast Capital 360?

Fast Capital 360 Review

There are a few special features that help Fast Capital 360 stand out from other similar loan services. First of all, they’re exceptionally speedy when it comes to the application and funding process. 

You can complete one of their surveys in the same amount of time as it’d take you to microwave a frozen burrito. I’m saying that it only takes a few minutes to find a good Fast Capital 360 loan plan.

Their loan delivery speed is nearly as fast as Uber Eats. Some plans receive their loans on the same day as their application while others make take 7 days. Heck, in some cases, that’s even faster than Uber Eats.

Customers aren’t shoehorned into a single option with Fast Capital 360 either. Not only can they pick between one of the many plans I’ve already spoken about in this Fast Captial 360 review, but they can also select who they want to receive the loan from. 

The ability to select lenders based on their credibility and reputation means that customers should feel secure with their choices.

Fast Capital 360 Requirement?

Fast Capital 360 Review

Each Fast Capital 360 loan type requires a different set of qualifications. I’ll break them all down here in the order that they appear on the service’s website:

  • Business line of credit: over 1 year in business, over $200k in annual business revenue, and a credit score higher than 560
  • Commerical mortgage: over 1 year in business, over $75k in annual business revenue, and a credit score higher than 540
  • Equipment loan: over 2 years in business, over $160k in annual business revenue, and a credit score higher than 620
  • Business term loan: over 1 year in business, over $200k in annual business revenue, and a credit score higher than 600
  • Invoice financing: over 1 year in business, over $150k in annual business revenue, and a credit score higher than 600
  • Merchant cash advance: over 4 months in business, over $100k in annual business revenue, and a credit score higher than 500
  • SBA loan: over 2 years in business, over $50k in annual business revenue, and a credit score higher than 650
  • Short-term business loan: over 1 year in business, over $75k in annual business revenue, and a credit score higher than 540

There are some other requirements that are more specific to each loan option, and I won’t cover those in this Fast Capital 360 review because they vary so much across the choices. I’ve only included the most universal of requirements to offer a fair comparison between each of the plans.

How Much Does Fast Capital 360 Cost?

Fast Capital 360 Review

Here’s the thing, not all Fast Capital 360 plans cost the same. I can’t give you an easy answer because I don’t know how much money you’re hoping to receive in your loan. What I can do is list out the starting interest rates of each loan type in ascending order:

  • SBA and commercial loans: 6.75%
  • Business term and working capital loans: 7%
  • Equipment financing and business line of credit loans: 8%
  • Short-term loans: 10%

Who Is Fast Capital 360 For? 

Fast Capital 360 Review

Fast Captial 360 is, unsurprisingly, for small business owners. That’s their main target, but they don’t limit their outreach to specific types of small businesses. 

Whether you need a loan for expanding, acquiring equipment, or supporting day-to-day operations you’ll likely be satisfied with what Fast Capital 360 can provide you.

Fast Capital 360 Reviews: What Do Customers Think?

Fast Capital 360 Review

To better illustrate the quality service that this company provides, I’ve taken a look at Fast Captial 360 review scores from across the internet and tallied those numbers together. 

Here’s a breakdown of average Fast Capital 360 reviews from real customers:

  1. TrustPilot: 4.9/5 stars from over 800 ratings
  2. Google Reviews: 4.4/5 stars from over 80 ratings
  3. Better Business Burea: 3.6/5 stars from 3 ratings
  4. Yelp: 5/5 stars from 1 rating

Fast Capital 360’s services were so speedy and efficient that many customers wound up returning to them on multiple occasions. People claimed that they trusted the brand enough to keep coming back whenever they needed a loan. 

This deep customer-to-company relationship is always a sign of reliable service, but it’s worth noting what was so great about the service. Well, many customers said that Fast Capital 360 took the time to walk them through all their options and find out which loan would best suit their needs. 

As one 5/5 star Fast Captial 360 review said, “Jeff Lesko was a great facilitator! He navigated us through the process, paperwork, and everything else that needed to be provided. Thank you so much!

People also loved how quickly Fast Capital 360 could provide them with loans. Reportedly, folks were able to receive funds within hours of applying. This wasn’t the case for every customer, mind you, but it cropped up often enough in testimonials that I knew I had to mention it. 

Speaking of consistency, that was one aspect that this buyer praised in their 5/5 stars review on TrustPilot: 

Consistency is a quality they live up to. Jeff Lesko, specifically, has been a source of solid information, timely responses and overall professionalism. Having talked to dozens of capital merchants, Fast Capital is easily the most consistent, professional and honest group.”

Many small business owners flocked to Fast Capital 360 because of said consistency, especially in the wake of the pandemic. As this next customer review points out, the company was able to help people save their businesses when they needed it the most: 

I needed some fast funding due to the damage the corona virus [sic] did to my business. Fast Capital was able to get funds to me within 24 hours. The interest rates are extremely high, but in an emergency, the funds provided me with some short term relief.

Some people felt that the interest rates were much higher than what other companies offered. However, this must be taken under the consideration that people received their loans with lightning speed.

The point is that, although customers felt they were paying higher interest rates, they felt that the speed of the delivery more than justified the high price point.

Thus, the most common points of praise for Fast Capital 360 revolved around their phenomenal customer service, their extremely quick application and delivery process, and their consistency.

Is Fast Capital 360 Legit?

Fast Capital 360 Review

While I did mention the high interest rates, that’s not a fact that Fast Capital 360 hides from their customers. You can easily find this information on their website, so it’s not as if these fees will come out of nowhere.

In fact, I couldn’t find any evidence of unexpected or unannounced fees surprising customers like Jason Vorhees at Camp Crystal Lake. With that being said, I firmly believe that Fast Captial 360 is a legit company.

Is Fast Capital 360 Worth It?

Fast Capital 360 Review

The reality of the situation is that small businesses face an uphill battle from the get-go, and it doesn’t get much easier. Large corporations are only getting their fingers deeper into the pockets of politicians to receive more funding, leaving fewer resources for smaller companies.

That’s why I think Fast Captial 360 is a worthwhile endeavor if you need a loan at a moment’s notice. They built themselves up on the concept of helping out the little guy, and it shows through their impressive policies and unbeatable customer reception.

Fast Capital 360 Promotions & Discounts 

Fast Capital 360 Review

Unfortunately, while conducting the research for this Fast Capital 360 review, I wasn’t able to uncover any juicy or worthwhile Fast Capital 360 promotions or discounts.

How to Apply for Fast Capital 360?

Fast Capital 360 Review

Applying for a Fast Capital 360 loan is as simple as going to their website,, and beginning the application process.


Who owns Fast Capital 360?

Co-founder Barbara Weidner is the current CEO of Fast Capital 360.

What is the minimum credit score requirement for Fast Capital 360 Loans?

I covered the minimum credit score requirements for loans earlier in this Fast Capital 360 review, so you should check out the “Fast Capital 360 Requirements” section for that information.

Does Fast Capital 360 approve fast for business loans?

The fastest that Fast Capital 360 can approve your business loan request is in less than 24 hours. That’s not always the case though, as some business loans may require 36 hours to receive approval.

What is Fast Capital 360’s Privacy Policy?

While doing the due diligence for this Fast Capital 360 review, I found that the company claims to keep your information private and only uses it to facilitate business between you and them.

How to Contact Fast Capital 360

How about you and I wrap up this Fast Capital 360 review by covering how you can get in touch with the company if you have any more questions. That sounds nice, doesn’t it?

You can either call them at 1-866-218-4667 or send a customer contact request form on their website. Their attendants are available to speak with you from 9:00 am to 6:00 pm EST on Mondays to Thursdays and 9:00 am to 5:00 pm EST on Fridays.

Did you enjoy this Fast Capital 360 Review? Then check out some of our other recently published reviews below:

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