We are a broker
ExtraCredit Loans is a broker. We are not a lender. We do not make credit decisions, set rates, or fund financing. Lenders do.
How we are paid
We do not charge you a fee to apply. When a financing we arranged closes, the lender may pay us a commission. That payment can affect which lenders we work with and which products appear on this site.
Our relationship with Kapitus
Kapitus is the primary lender we work with. Most applications submitted through this site are sent to Kapitus first.
Josh Jones has worked in small business lending since 2010. He is a partner in ExtraCredit Loans and works for Kapitus, its primary lender. He writes and reviews content on this site.
No guarantee of approval
Submitting our form is not a credit application. It does not guarantee approval, an offer, or any specific amount, rate, or term. Speed claims such as “as little as 4 hours” describe the fastest cases a lender reports. Your experience may differ.
Figures on this site
Product figures come from what lenders publish, with the date we checked them. Lenders change their terms. The financing agreement you receive is the only binding statement of your terms.
Examples and illustrations
Worked examples on this site are labeled as illustrations. They show arithmetic. They are not client results.
Testimonials
Any testimonial on this site is from a real client who agreed to be quoted. We do not pay for testimonials. Individual results vary.
Not financial advice
Our content is general information. It is not legal, tax, or financial advice for your situation.