Last reviewed: October 2, 2026
Disclaimer: This review summarizes publicly available information, including customer reviews, forum posts such as Reddit, BBB and Trustpilot listings, court records, regulator actions, and news reports. It is not the opinion of MCAFax. MCAFax cannot confirm or deny any allegations, complaints, or claims described here. Information may be outdated or incomplete. MCAFax is not affiliated with this lender. This is not legal or financial advice. Lenders who believe something is inaccurate can contact info@mcafax.com for review.
Summary verdict
CAN Capital offers working capital loans from $2,500 to $400,000, with repayment up to 21 months; the loans are made by WebBank (CAN Capital). Its site lists 28 years in business (CAN Capital).
Paper Grade: B paper
CAN requires 3+ years in business, a 600+ FICO score, liens and judgments under $175,000, and no bankruptcies in the past 24 months (CAN Capital). Fair credit, established businesses and short-term loans make it B paper. Paper grade describes the borrower profile this lender targets, not the lender's quality.
Research-Based Reputation Score: 6.0 / 10 (reputation rank: tied #46 of 72 lenders scored, as of October 2, 2026)
How we got there: start at 5.0, then +1 for BBB accreditation (since December 14, 1998) with an A+ (BBB) and +1 for 28 years in business. Then −1 for a settled government action that did not concern borrower treatment: in 2020 the SEC charged CAN Capital with misleading investors in a $191 million securitization, and CAN, without admitting or denying the allegations, consented to permanent injunctive relief (SEC). That also means no clean-record point. CAN Capital's own site displays a 4.9/5 Trustpilot rating (CAN Capital), but we score Trustpilot only from an independent source, so it earns no point. BBB shows only 1 complaint in three years (BBB complaints). The total is 6.0.
About the Paper Grade: it reflects only the borrower profile and deal type the lender targets (stated credit, time-in-business and revenue minimums, and product type). It is not a judgment of the lender's quality. A = strong credit (about 625–650+), established businesses, APR-priced loans or lines. B = fair credit (about 600+), short-term or factor-rate products. C = credit about 500–599, younger businesses, MCA or revenue-based, or sales-based platform financing with no credit check. D = minimal credit requirements, very new businesses, stacked positions or high-risk industries. Lawsuits and regulator actions never change the Paper Grade.
About the Research-Based Reputation Score (1–10, half-points): it summarizes public signals and is not the opinion of MCAFax. Every lender starts at 5.0. Points are added for BBB accreditation and an A+ rating, years in business, strong Trustpilot ratings, and a clean record (no regulator orders or court judgments in which the lender itself is a named party). Points are subtracted for a BBB rating of C− or lower (−1), a BBB customer-review average below 2.5/5 (−0.5), recurring complaint themes (−0.5 to −1), and a pending class action (−0.5). Government actions are scored only when the lender itself is a named party: −1 for a settled action not about borrowers, −2 for a regulator consent order with a penalty and no admission, −3 for active enforcement or a final order about borrower treatment, and −5 for an industry ban or court finding of liability. The lowest score, 1.0, is reserved for lenders under an industry ban or a final fraud judgment. Ratings we could not read score zero, and routine collection suits are not scored. Every point applied to this lender is listed above. Ranks are as of the date shown; MCAFax cannot confirm or deny any allegation counted here.
At a glance
| Item | Details |
|---|---|
| Product | Working capital loans; equipment financing (CAN Capital) |
| Amounts / term | $2,500 To $400,000; up to 21 months (CAN Capital) |
| Minimums | 3+ Years, 600+ FICO, liens and judgments under $175K, no bankruptcies in 24 months (CAN Capital) |
| Lender | Loans made by WebBank (CAN Capital) |
| BBB | A+, accredited since 12/14/1998; 1 complaint in 3 years (BBB) |
What borrowers and reviewers report
CAN says decisions average under 30 minutes and funds can arrive the next business day (CAN Capital).
Regulatory history: the SEC's 2020 complaint alleged CAN did not disclose a practice of granting "grace days" to accounts that couldn't pay, which kept non-performing accounts in the securitized pool (SEC). These are SEC allegations. CAN settled without admitting or denying them, and the settlement was subject to court approval.
Who it may suit, and who may want to skip it
May suit: businesses 3+ years old with 600+ credit wanting a short working-capital loan. May want to skip: newer businesses, or anyone who qualifies for longer-term bank or SBA credit.
What to do next
Been contacted by CAN Capital? Report the phone number or email that reached you, and sign up to block unwanted funding calls. → Report a number or email (https://mcafax.com/report?lender=can-capital)
Looking for funding? Tell us what you need, and we'll help you compare CAN Capital with other funders that fit. → Apply through MCAFax (https://mcafax.com/apply?lender=can-capital)
Sources (accessed October 2, 2026)
CAN Capital working capital loan page: cancapital.com
CAN Capital homepage: cancapital.com
BBB profile: https://www.bbb.org/us/ga/marietta/profile/financial-services/can-capital-inc-0443-13000248
BBB complaints: https://www.bbb.org/us/ga/marietta/profile/financial-services/can-capital-inc-0443-13000248/complaints
SEC Litigation Release No. 24811: https://www.sec.gov/enforcement-litigation/litigation-releases/lr-24811
Disclaimer: This review summarizes publicly available information, including customer reviews, forum posts such as Reddit, BBB and Trustpilot listings, court records, regulator actions, and news reports. It is not the opinion of MCAFax. MCAFax cannot confirm or deny any allegations, complaints, or claims described here. Information may be outdated or incomplete. MCAFax is not affiliated with this lender. This is not legal or financial advice. Lenders who believe something is inaccurate can contact info@mcafax.com for review.