Excellent
Based on 355 reviews
Finance Factory4.9Honesty, pricing, process and quality scores appear once 5 customers have rated them.
We live with one purpose: to help you succeed.Finance Factory is a leader in the startup and alternative business funding spaces, maintaining an A+ rating with the Better Business Bureau and ranked one of LendingTree’s top startup funding experts.Founded in 2006, Finance Factory helps early-stage business owners solve the challenges they face when obtaining capital to launch or grow their small businesses.The principles of Finance Factory have been instrumental in growing and leading multiple fintech and real estate investment companies; several of which have been ranked as the top 200 Fastest Growing Companies in the United States by Inc. Magazine. By applying the lessons they learned from working with entrepreneurs and angel investors at the IRA Network, as well as their first-hand knowledge of the booming alternative lending market, they developed a unique and proprietary process to help entrepreneurs access capital.Our professional and informative funding specialists will educate and provide you with all the information you need to make an informed decision. We specialize in establishing and facilitating relationships between our portfolio of vetted small business loan lenders and small business owners like you. Our network offers you quick access to many different investors and lenders ready to meet your individual funding requirements.Qualified applicants can receive Loans, Leases, and Lines of Credit from $5,000 up to $500,000 in as little as 48 business hours. All at no upfront cost or obligation to you.Over the past 15 years, Finance Factory has successfully established $1 billion in funding for entrepreneurs nationwide. To see how we can help you achieve your goals, please give us a call today, 800-691-6727.
Finance Factory (financefactory.com) has 355 customer reviews on Folks Told, with an average rating of 4.9 out of 5.
Showing 15 reviews with 4 stars · Clear filters
Allen
The service is 5 stars. The 2 ppl I worked with was very professional. They always replied to texts and emails in a timely manner. Did everything to assist in me getting a loan with minimum hard pulls on my credit. Only reason I rated it a 4 was due to the fee. Great guys over there I would definitely use them again.
Reply from Finance FactoryOct 7, 2026
Thank you for sharing your feedback!
KB
It is a cumbersome process in a lot of ways that is just the nature of the process with any company. The cost was higher than I liked but the staff was amazing and helpful!
Reply from Finance FactoryAug 26, 2026
Thank you for your honest feedback. We appreciate your patience throughout the process and are glad our team could support you and your business along the way
Courtney B.
Definitely an easier route and updated process then a bank. Was a little misleading on the fee for borrowing leaving me with about 5k less then I thought I would receive, but still better then nothing. Read EVERYTHING AND ALL DOCUMENTS! I would use this process again. Alex my loan officer was great and on top of follow up very impressive work.
Reply from Finance FactoryMay 18, 2026
We appreciate your trust in the process!
Harry
Good people to deal with,but wouldn’t use finance factory again. Fee is too high! I lost over $4,000 dollars in needed money to buy my truck because of the 8.99 fee! I am having a problem with finding a truck with my requirements because I wasn’t approved for the $60,000 plus I needed.
Reply from Finance FactoryDec 3, 2025
I'm sorry that we were not able to completely fulfill your funding needs, but we do appreciate the honest feedback on the process, and future clients will as well!
Juan P. R.
Helpful and attentive. Knowing what the customer says and wants is essential.
Reply from Finance FactoryJul 22, 2025
Happy to be able to help you and El Flaco Transport move to the next level!
Claire G.
Very easy funding options
Reply from Finance FactoryJan 14, 2025
Thanks so much for the review!
Billy L.
1. I got about 40% of the cash I needed, from 1 out of 3 lenders we sought. 2. They were sophisticated in their approach, fast, and polite. I didn't feel like I was dealing with loan sharks, which I loved. 4. Their fee of 7.9% is not bad, considering other vultures who sought 10+ percent. 5. You are not obligated to accept funds. I've had some sharks who could not got me 40% of my financing goal, but they required you to accept the funds and still pay their fee, when terms from bank were outrageously high (like 35% APR). 3. Only negative, initially we discussed business credit for my existing business. They never sought it, so I ended up dinging my personal credit with hard inquiries and increased my personal debt-to-income ratio (I took the cash anyway).
Reply from Finance FactoryNov 18, 2024
Thank you sir! We appreciate your taking the time to detail a review with your honest experience!
Patrick M.
The fee is too high. 10%? Shame on you.
Reply from Finance FactoryJul 16, 2024
We appreciate your feedback, and the opportunity to clarify in our response. As with all of our programs, any fees are very clear before you choose to accept funding, and are not due unless you receive funding.
