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44 Business Capital Working Capital Review

Anne Miller

Anne Miller

Senior Author

Anne Miller

Senior Author

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Are you a small business or potential owner looking to launch a company but lack the finances to do so? Better yet, have you tried local traditional banks and had no luck with opening a line of credit or loan? This is where 44 Business Capital comes into the picture. With over 20 years experiencing offering SBA loans, this company is known to have a high approval rating, securing small business owners dreams and making them come true.


44 Business Capital offers nationwide coverage and services to all small businesses. The company is known to have a significantly higher approval rating than many other small business companies.


For those who are not technology savvy, the 44 Business Capital website is confusing – making it difficult to find pertinent information.

Loan and Lender Information

44 Business Capital Working Capital Review44 Business Capital has been in business for over 20 years, offering financial support and services to many different companies in the United States. As of recently, 44 Business Capital became a small business loan division of a larger bank, Berkshire Bank. Today, 44 Business Capital’s services can help any small business up to $5,000,000, making this company a feasible option for any small business. The company touts its reputation and experiencing working with and providing SBA loans, promising the fastest responses, near-guaranteed approval, and the answers you are looking for. In accordance to their website, it’s unknown and difficult to see if they offer any other services, aside from SBA loans.

Rates and Fees

As discussed earlier, 44 Business Capital’s website is confusing as there is a wealth of information and resources; however, the information that you may be looking for is lost in the maze of webpages. When it comes to rates and fees, it’s unknown whether the company charges fees and what their monthly rates on their services are. To receive this information, you may have to fill out 44 Business Capital’s online loan inquiry, which can be found on their website’s contact page.

Application Process

If you are interested in joining the 44 Business Capital team and their services, you must visit their website and their application section. There is a wealth of information, Adobe files, and forms that must be filled out and sent over before any consultation can begin. The company mentions that, after you submit all of the information, you should hear back from a loan officer within 48 hours. From there, you will learn about your opportunities available and whether or not 44 Business Capital is good for you and your business's working capital needs.


In our opinion, there is something wrong about a company that provides a wealth of resources but lacks the information we are looking for. Potential clients and small businesses are interested in the fees and rates, without having to get into the hassling process. With that being said, while 44 Business Capital may offer great services, it’s considerably discouraging, due to their lack of transparency.

Anne Miller

Anne is a Senior Author for SBL. She began her career as an independent consultant for local businesses after graduating with a BA in Management. Since that time, she’s expanded to writing as well as consulting to spread helpful knowledge to small business owners across the country.


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