Small businesses today have more lending options than ever before—but that doesn’t make the choice any easier. Should you go with a newer, tech-forward lender like Big Think Capital? Or do you stick with a more hands-on, partnership-driven provider like Capital Express?
Choosing the right lending partner can make or break your growth strategy. In this blog, we’ll break it all down—clear, honest, and easy to understand. We’re not here to throw shade. We’re here to help you figure out what really works for your business.
Let’s dive in.
Who Are We Comparing?
Before we start comparing apples to oranges, let’s set the stage.
Big Think Capital is a modern alternative lender focused on offering fast access to capital for small businesses. They provide multiple products—working capital loans, lines of credit, and equipment financing. Their approach is largely digital, offering fast applications and funding with minimal paperwork.
Capital Express, on the other hand, positions itself as more than a lender—it’s a long-term partner for growth. From flexible loan structures to in-depth broker support and educational tools, Capital Express builds financial confidence while delivering smart funding options.
Each has strengths. But which one really delivers when the market shifts or cash flow tightens?
The Personal Touch – Why Business Finance Brokers Matter
Capital Express offers access to a dedicated business finance broker—someone who listens to your goals, examines your numbers, and then matches you with the best lending solution.
Big Think Capital, by contrast, leans more heavily into automation. While this speeds things up, it also removes the personal advice that many first-time borrowers need. In volatile markets, this hands-on support is more than helpful—it’s essential.
While Big Think covers the basics, Capital Express offers more flexible options, like revenue-based funding and direct support from equipment finance brokers.
The key difference? Capital Express adapts loan structures based on your cash flow and growth goals. You’re not just picking from a menu—you’re getting a meal tailored to your appetite.
Small Business Loan Broker Advantage
Small businesses don’t always have the time or team to research dozens of lenders. That’s where working with a small business loan broker becomes a game-changer.
Capital Express brokers are trained to find the best match—not just the fastest loan. They take your credit profile, industry, and cash cycle into account. Meanwhile, Big Think Capital tends to direct clients into pre-set options, which may not always be the best fit.
More options. More customization. Less risk.
The Credit Processing Factor
Both companies accept lower credit scores. But how do they treat them?
Capital Express uses soft pulls and alternative data to find creative ways to qualify businesses. They also teach you how to boost your credit over time.
Big Think Capital? They’ll approve fast, but often at a higher rate. They’re transactional. Capital Express is transformational.
Transparent Terms & Education Resources
Capital Express shines when it comes to transparency. You’re not just signing a loan—you’re learning why it’s structured the way it is.
They offer tools, FAQs, and even one-on-one calls to explain your options. Their blog covers vital topics like invoice factoring, activity-based costing, and more.
Big Think’s resources are lighter. Their knowledge base isn’t as robust, and you’re often left figuring things out post-approval.
Agility in a Changing Economy
Markets change fast. You need a partner that moves with you.
Capital Express promotes merchant cash advance loans, revenue-based models, and seasonal payment structures. Their brokers proactively help you shift gears when needed. Whether it’s inflation, supply chain woes, or a sales dip—there’s always a backup plan.
Big Think is great when the water’s calm. But when it gets choppy? Capital Express is already rowing with you.
Real Stories, Real Impact
Let’s look at a story. Jen owns a digital marketing agency. She needed equipment, but had variable monthly income. She applied to both platforms.
Big Think Capital approved her for a flat-rate term loan with high fees. Capital Express offered her a revenue-based funding option that flexed with her monthly cash flow. They also introduced her to an equipment finance broker who helped secure her tech with favorable terms.
Guess who Jen chose?
The Verdict – What Really Works for Small Businesses?
If you want fast money, Big Think Capital is fine. But if you want a long-term partner, smart advice, custom lending, and growth-friendly flexibility—Capital Express wins.
It’s not just about rates or applications. It’s about what happens after the loan is issued. And in that journey, Capital Express walks beside you, not ahead or behind.
Let’s recap:
Criteria
Big Think Capital
Capital Express
Broker Support
❌
✅
Flexible Repayment
❌
✅
Deep Education
⚠️
✅
Credit-Friendly Options
⚠️
✅
Long-Term Relationship
⚠️
✅
Choose the partner that works with you. Choose Capital Express.
Final Thoughts
Capital Express is built on the idea that small business lending should be smart, simple, and sustainable. By offering real partnerships, not just products, they empower business owners with confidence and control.
When your business grows, your lending partner should grow with you. And that’s why Capital Express isn’t just another lender—it’s your business’s best-kept secret.
