Name: Triton Capital Small-Business Loan Review 2026 - NerdWallet
Item: Triton Capital - Equipment financing

The bottom line:

Triton Capital equipment loans are a good option for bad-credit borrowers who need to finance various types of business equipment. But you’ll need at least $250,000 a year in revenue to qualify.

Loan details

Min. Loan Amount

$5,000

Min. Term Length

12 months

Min. APR

5.99%

Max Loan Amount

$250,000

Max Term Length

5 years

Max APR

34.99%

Qualifications

Min. credit score

575

Min. Time in Business

24 months

Min. Annual Revenue

$250,000

Pros & Cons

Pros

No down payment required.

Low credit score requirement.

Repayment schedules available in monthly or longer terms.

No prepayment penalties.

Can be used to build business credit.

Cons

High annual revenue requirement.

Charges an origination fee.

Website doesn’t disclose rates or qualification criteria.

Triton Capital is an online lender offering a few types of small-business loans, including working capital and SBA loans. This review focuses on Triton’s primary loan product, equipment financing.

With an equipment loan from Triton Capital, small-business owners can buy new or used food trucks, computers, medical equipment and more. When you buy equipment using a Triton Capital loan, the equipment itself serves as collateral. That means that you don’t need to provide additional collateral. But if you fail to repay your loan, the lender may take your equipment to cover its losses.

Is Triton Capital right for you?

Consider Triton Capital if you:	Skip Triton Capital if you:
Have only a fair credit score.	Have low annual revenue.
Don’t want to make frequent payments.	Are running a startup.
Have an established business (2+ years).	Need a large loan (more than $250,000).

We’ll start with a brief questionnaire to better understand the unique needs of your business.

Once we uncover your personalized matches, our team will consult you on the process moving forward.

Triton Capital equipment loan details

Loan amount	Up to $250,000.
Estimated APR	5.99% to 34.99%.
Fees	$150 to $750 in origination fees, depending on how much you’re borrowing. No additional fees or prepayment penalties.
Terms	12 to 60 months.
Repayment schedule	Monthly, quarterly, annually, semiannually or seasonally.
Funding speed	Approval within two to four hours, and funding in one to two business days.

Where Triton Capital stands out

Flexible repayment schedule

Triton Capital offers a more flexible repayment schedule than many lenders. It allows borrowers to make payments monthly, quarterly, annually, semiannually or even seasonally. In contrast, many other online lenders require weekly or even daily repayments.

From Our Nerds: Flexible financing can offer a lifeline for seasonal businesses

“Triton Capital’s flexible repayment schedule can benefit businesses with fluctuating cash flow, allowing them to align loan payments with revenue cycles. Less frequent payments — something not all lenders allow — reduces administrative headaches and gives borrowers more time to generate the sales needed to repay their loan.”

Ryan Brady, lead writer, Small Business

Low credit score requirement

Triton Capital’s equipment loan has a minimum personal credit score requirement of 575, making it an option for borrowers with fair or bad credit.

Plus Triton reports payment activity to commercial credit bureaus. So borrowers may be able to build their business credit history by making timely payments.

» MORE: Best bad credit business loans

Where Triton Capital falls short

Not a good choice for startups

Triton Capital requires $250,000 or greater in annual revenue to qualify for one of their loans. The lender may consider businesses that are less than 24 months old, but charges higher interest rates for those businesses. Therefore, this loan is not a good fit for startups.

» MORE: Best startup business loans

The website isn't very transparent

Triton Capital provides limited details about its equipment loan on its website. This forces prospective borrowers to reach out to a company representative for more information. For example, the lender doesn’t disclose its qualification criteria or APR range on its site. NerdWallet gathered that information from the lender.

Alternatives to Triton Capital

National Funding

National Funding - Equipment financing

NerdWallet Rating

4.8

Min Credit

600

Read Review

Apply now

with Fundera by NerdWallet

Consider National Funding over Triton Capital if you:

Have a newer business (6+ months in operation).
Only need a moderate amount of capital.

National Funding is another online lender offering equipment loans for small-business owners. It only requires 6 months in business to qualify for funding, making it a good option for startups. National Funding also stands out by offering prepayment discounts, which allow borrowers to save by paying off their loans early. However, it has a lower funding limit of $150,000 compared with Triton Capital’s $250,000, and a higher minimum credit score requirement of 600.

JR Capital

JR Capital - Equipment financing

NerdWallet Rating

4.1

Min Credit

620

Read Review

Consider JR Capital over Triton Capital if you:

Require a large, expensive purchase.
Have a slightly higher personal credit score.

Like Triton Capital, JR Capital provides online equipment loans to businesses that have been operating for at least 24 months. But JR requires a slightly higher minimum credit score of 620.

However, JR Capital has Triton Capital beat — by a lot — when it comes to maximum loan amount. While Triton Capital’s equipment loans are capped at $250,000, JR Capital offers financing up to $10 million, making it a good alternative for larger purchases.

Want more options?

If you’re not ready to choose an equipment lender just yet, we’ve compiled a list of the best equipment loans to help you compare your options. Check it out!

» MORE: Best Equipment Financing and Loans

Triton Capital: Equipment Loans for Fair-Credit, High-Revenue Business Owners