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 Information may be outdated or incomplete.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
Capchase provides vendor financing for business software and hardware purchases. It lends to buyers directly, pays vendors and channel partners upfront, and lets buyers pay over monthly, quarterly or extended terms (Capchase). It was founded in 2020 (Capchase About). BBB rates Capchase Inc. an F, citing failure to respond to 2 complaints (BBB).
Paper Grade: TBD
Capchase finances B2B technology purchases and does not publish borrower minimums (Capchase). Without published minimums, we have not assigned a grade. Paper grade describes the borrower profile this lender targets, not the lender's quality.
Research-Based Reputation Score: 5.0 / 10 (reputation rank: tied #54 of 72 lenders scored, as of October 2, 2026)
How we got there: start at 5.0, then +1 because our searches of regulator sites and news coverage turned up no regulator orders or court judgments against it. Then −1 for a BBB F rating, which BBB attributes to failure to respond to 2 complaints (BBB). There is no years-in-business point: BBB lists a December 2021 start (BBB).
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 | Vendor/buyer financing for B2B tech purchases (Capchase) |
| Founded | 2020 (Capchase About) |
| BBB | F, not accredited; 2 complaints, both unanswered (BBB) |
What borrowers and reviewers report
- Negative themes: a BBB complainant says Capchase kept trying to debit payments for a software vendor's service after they cancelled under the vendor's money-back guarantee and placed a stop-payment (BBB complaints).
Reported concerns to plan around
These are allegations or reported experiences, not findings, unless a final order is cited.
- Vendor disputes: when a purchase is financed, cancelling the vendor's service may not end your payment obligation to the financer (BBB complaints). Read how cancellations and refunds work before you sign.
Who it may suit, and who may want to skip it
May suit: businesses buying enterprise software or hardware that want to spread payments. May want to skip: buyers who may need to cancel a vendor contract early.
What to do next
Been contacted by Capchase? 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=capchase)
Looking for funding? Tell us what you need, and we'll help you compare Capchase with other funders that fit. → Apply through MCAFax (https://mcafax.com/apply?lender=capchase)
Sources (accessed October 2, 2026)
Capchase homepage: capchase.com
Capchase About page: capchase.com
BBB profile: https://www.bbb.org/us/ny/new-york/profile/financial-technology/capchase-inc-0121-87177552
BBB complaints: https://www.bbb.org/us/ny/new-york/profile/financial-technology/capchase-inc-0121-87177552/complaints
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.