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 Information may be outdated or incomplete.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
Triton Capital, based in San Diego, offers equipment loans and working capital, with rates it says start at 5.99% and 8.99% respectively (Triton Capital). NerdWallet reports that its equipment loans run up to $250,000 at 5.99%–34.99% APR over 12–60 months, with repayment monthly, quarterly, semiannually, annually or seasonally (NerdWallet). Note: the address on our list, tritoncapital.com, returned a server error when we checked (tritoncapital.com); the company's site is tritoncptl.com (Triton Capital). BBB lists Triton Capital as accredited with an A+ rating (BBB).
Paper Grade: B paper
NerdWallet reports a 575 minimum credit score, at least $250,000 in annual revenue and, typically, 2+ years in business, with higher rates for younger businesses (NerdWallet). A fair-credit floor with a high revenue bar puts this at B paper. Paper grade describes the borrower profile this lender targets, not the lender's quality.
Research-Based Reputation Score: 8.0 / 10 (reputation rank: tied #4 of 72 lenders scored, as of October 2, 2026)
How we got there: start at 5.0, then +1 for BBB accreditation (since February 27, 2024) with an A+ rating, +1 because BBB lists the business as started in March 2008 (BBB), and +1 because our searches of regulator sites, court records and news coverage turned up no regulator orders or court judgments in which it is a named party. BBB shows no customer reviews or complaints, so there are no deductions (BBB). The total is 8.0.
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 |
|---|---|
| Products | Equipment loans and working capital (Triton Capital) |
| Equipment loans (as reported) | Up to $250,000; 5.99%–34.99% APR; 12–60 months; $150–$750 origination fee (NerdWallet) |
| Minimums (as reported) | 575 Credit, $250,000 annual revenue, typically 2+ years (NerdWallet) |
| HQ | 1660 Hotel Circle N, Suite 215, San Diego (Triton Capital) |
| BBB | A+, accredited since 2/27/2024; no complaints (BBB) |
What borrowers and reviewers report
Positive themes: NerdWallet highlights flexible repayment schedules, no prepayment penalties and reporting to business credit bureaus (NerdWallet).
Negative themes: NerdWallet notes that Triton's website does not disclose its rates or qualification criteria (NerdWallet).
Reported concerns to plan around
These are allegations or reported experiences, not findings, unless a final order is cited.
- Pricing spread: the reported APR range is wide (5.99%–34.99%). Ask for your APR and fees in writing (NerdWallet).
Who it may suit, and who may want to skip it
May suit: established businesses with $250K+ revenue that want equipment financing on a flexible schedule. May want to skip: startups and low-revenue businesses.
What to do next
Been contacted by Triton 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=triton-capital)
Looking for funding? Tell us what you need, and we'll help you compare Triton Capital with other funders that fit. → Apply through MCAFax (https://mcafax.com/apply?lender=triton-capital)
Sources (accessed October 2, 2026)
Triton Capital homepage (tritoncptl.com): tritoncptl.com
NerdWallet, Triton Capital review: https://www.nerdwallet.com/business/loans/reviews/triton-capital
BBB profile, Triton Capital: https://www.bbb.org/us/ca/san-diego/profile/financial-services/triton-capital-1126-172011001
Tritoncapital.com (returned HTTP 500 on October 2, 2026): tritoncapital.com
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.