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Seek Capital Review

Tara Mastroeni
Written by Tara Mastroeni
Dawn Daniels
Edited by Dawn Daniels
Updated on:
February 28, 2025
Content was accurate at the time of publication.
We are committed to providing accurate content that helps you make informed money decisions. Our partners have not commissioned or endorsed this content. Read our editorial guidelines here.

Seek Business Capital is not accepting applications

As of February 2025, Seek Business Capital is not accepting applications for financing. This review contains information about Seek Business Capital’s products and services from when they were available. This information may no longer be up to date and should be used for informational purposes only.

If you’re looking for funding for your business, check out our list of best small business lenders or keep reading to see alternatives to Seek Business Capital.

Alternatives to Seek Business Capital

How Does LendingTree Get Paid?
LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.
Seek Business CapitalAmerican ExpressFinance Factory
Funding products offeredCredit cards

  • Credit cards

  • Business lines of credit


  • Loans

  • Credit cards

  • Merchant cash advances

  • Personal lines of credit

Time to fundingOne to three weeks


  • Credit cards: Varies by card

  • Business lines of credit: 1 to 3 business days


  • 7 to 10 days on average for most funding

  • 30 to 45 days for real estate loans


Starting interestVaries based on lender match

  • Business credit card: Varies by card

  • Lines of credit: 3.00% to 27.00%
    • 3.00% to 9% for 6-month terms
    • 6% to 18% for 12-month terms
    • 9% to 27.00% for 18-month terms
    • 12% to 18% for 24-month terms


Varies by funding type

Maximum funding amount$150,000

  • Business credit card: Varies by card

  • Lines of credit: $250,000


Varies by funding type
Minimum monthly revenueVaries based on lender match

  • Business credit card: Varies by card

  • Lines of credit: $3,000

Varies by funding type

Seek Business Capital vs. American Express

If you’re looking for a single credit card or a line of credit, American Express may be a better option. But if you’re struggling to apply on your own and looking for multiple cards, Seek Business Capital’s process may save you some time.

American Express issues its line of credit and credit card products directly without the need of third-party lenders. This way you can know the terms and conditions of your funding in advance instead of waiting to get matched with a partner lender.

If you’re looking for a business or personal credit card, you can also apply for a card with American Express without paying application fees, and you can see the interest rate for cards before applying.

Seek Business Capital vs. Finance Factory

Finance Factory is another online marketplace that offers credit card options. However, in addition to offering credit cards, Finance Factory also offers loans and lines of credit, giving you more options on how to fund your business expenses. 

They’re also more up front about their qualifying criteria and terms and conditions, making it easier to tell if they are the right fit for you.

If you’re certain you want only credit card offers, it’s a toss-up as to which company is the better choice. But if you want to compare more funding options, Finance Factory is the only option that allows you to do so.

Seek Capital
  • Interest rate: Varies based on the credit card(s) you’re matched with.

  • Funding amounts: $20,000 to $150,000

  • Our verdict: If you’re looking for help applying for credit cards, Seek Business Capital can speed up the process — but you may face large fees for the convenience. If you’re looking for other funding options, you’ll need to look elsewhere.

Pros and cons of Seek Business Capital

Pros

  • Prequalification available
  • No collateral required
  • No time in business requirements

Cons

  • Only offers credit card funding
  • It’s unclear what fees you’ll pay forSeek Business Capital’s services

Seek Business Capital review

Seek Business Capital is an advertising referral service that matches business owners with credit card offers from partner lenders based on the company’s needs.  There’s little information available on Seek Business Capital’s website about what fees it charges. The site says “there may be fees associated upon finalizing the funding” but doesn’t clarify how much those fees are.

The Federal Trade Commission (FTC) has filed a complaint against Seek Business Capital relating to certain of its business practices. You can read the full complaint on the FTC’s website. Note that the claims in the complaint are allegations and have not been proven or admitted as true.

If you decide to pursue financing with Seek Business Capital, read the full terms of any agreement before signing. You can also check out LendingTree’s list of the best small business lenders to see some of the top alternatives.

Who should consider Seek Business Capital?

Business owners who want credit card funding: Credit cards can be a smart way to cover smaller, ongoing expenses. If you need a credit card, Seek Business Capital can help you find a match with one of their partner lenders. 

Business owners who feel uncomfortable applying for credit: It’s possible to apply for a credit card on your own (and you can probably avoid paying added fees by doing so.) However, if you need help applying for a credit card, Seek Business Capital’s agents can help you move through the process.

Seek Business Capital small business financing at a glance

Credit cards

Seek Business Capital only offers one form of financing for small business owners: unsecured credit cards. 

If you apply with Seek, an agent will help you cobble together the amount of financing you need by opening multiple credit cards in your name at once.

While Seek Business Capital claims that it helps you apply with financing partners who offer a 0% APR intro rate period for 12 to 18 months, keep in mind that you’ll be subject to each individual card’s terms and conditions once the accounts have been opened for you. 

This means that you could end up with several new credit cards that each have varying interest rates, payment dates and minimum payment amounts.

Seek Business Capital partners with both business and credit card providers, so it’s possible you’ll get both types of cards. Look into the differences between business and personal credit cards to make sure you’re interested in both before applying – the liability protections and rewards you get are different between the two card types.

How applying for multiple credit cards affects your credit score

Applying for multiple new credit cards at once may hurt your credit score. Most credit card issuers will do a hard inquiry when you open a new account. Having too many new inquiries at one time can lower your score. 

Additionally, opening several new accounts at one time can lower the average age of the cards on your credit report, impacting your score even further.

Seek Business Capital borrower requirements

Minimum annual revenueVaries based on lender match
Minimum time in businessVaries based on lender match
Minimum credit scoreVaries based on lender match

Seek Business Capital’s credit application requirements can vary based on its current list of partner lenders and each lender’s specific qualifications. After applying, Seek Business Capital will disclose your matched lender so you can learn more about what they offer and read lender reviews to determine if it’s a good fit. 

Required documents

Seek Business Capital does not disclose the exact information you’ll need to provide in order to apply for a business or personal credit card with one of its partner lenders. However, as a general rule, you may need the following information:

  • General business information: Name, address, contact information
  • Employer Identification Number (EIN)
  • Time in business information
  • Annual revenue information
  • Industry information 
  • Number of employees
  • Personal information for the business owner: Social security number, personal credit score

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