Triton Capital is a small business financing company based in San Diego, California, that offers working capital, equipment loans and access to SBA loans through partner SBA lenders. It fits best with businesses already doing at least $100,000 a year in revenue that want fixed payments, especially for equipment. If your business is smaller, you want Spanish-speaking support or you file with an ITIN, Merchant Fund Express is the alternative we recommend.
In this review we cover only what Triton Capital publishes on its official site: products, starting rates, terms, requirements and documents. We do not use ratings or stars. At the end you will find an honest comparison with the alternatives.
Key takeaways
- Triton Capital offers working capital, equipment loans and SBA loans through partner SBA lenders.
- Its working capital requires at least $100,000 in annual gross sales and advertises rates from 8.99% as a total interest percentage, with a 2% origination fee.
- Its equipment loans go up to $250,000, with 12- to 60-month terms and payments that can be seasonal.
- Its SBA route asks for 4+ years in business, 680+ credit and $500,000+ in annual revenue.
- It says it checks personal credit with a soft pull that does not affect your score.
- Our recommended alternative works with FICO 500+, accepts ITIN applicants and offers Spanish-speaking support.
What Triton Capital is
Triton Capital is a commercial financing company in San Diego, California, operating under a California Financing Law (CFL) license. According to its site, it started in equipment financing and today offers small business loans, working capital term loans, lines of credit and other short- and long-term solutions. It also runs a vendor program for equipment dealers that want to offer financing to their customers.
Its site says it shops multiple lenders to find the lowest available rate, and that its SBA program connects you with the SBA-approved lender most likely to fund your loan. It names industries such as construction and contractors, medical, landscaping, auto body and paint shops, transportation, restaurants and printing.
What its site does not mention: Spanish-speaking support or whether it accepts applicants with an ITIN. If either matters to you, ask before you send documents.
Products, amounts and published requirements
| Product | Amounts | Published rates and terms | Requirements and documents |
|---|---|---|---|
| Working capital | Up to $250,000 in one section; $10,000 to $500,000 on its application form | From 8.99% (total interest percentage); 6- to 24-month terms on its product page; 2% origination fee | $100,000+ in annual gross sales; last 3 months of bank statements (its FAQ also mentions the latest tax return and 6 months of statements) |
| Equipment loans | Up to $250,000; equipment of at least $1,000 | From 5.99%; 12- to 60-month terms | Application, last 3 months of business bank statements and the equipment quote |
| SBA loans (with partner lenders) | $30,000 to $350,000 | APR of 6.25% to 14.87%; 3- to 7-year terms; funding in as little as 15 days | 4+ years in business, 680+ credit and $500,000+ in annual revenue |
On timing, Triton says it typically approves within 2 to 4 hours of receiving an application and that funds arrive 1 to 2 business days after signing. Working capital payments can be daily, weekly or monthly; equipment payments can be monthly, quarterly, semiannual, annual or seasonal.
Notice that some details differ between sections of the same site (maximum amounts, terms and documents). Get the offer in writing with the final numbers before you decide.
What to check in a Triton offer
- A total interest percentage is not an APR. Triton advertises its working capital with a total interest percentage: interest expressed as a share of the amount borrowed. On short terms that figure can look low, while the annualized cost (APR) is usually higher. Ask for both and compare offers on the same measure. Our explainer on APR vs. interest rate shows why it matters.
- The origination fee. Its working capital form mentions 2%. Ask whether it is deducted from the amount you receive.
- Payment frequency. A fixed daily payment feels very different from a monthly one. If your sales are seasonal, ask about the seasonal payments it publishes for equipment.
- Early repayment. Its site says you can pay early if you want; ask whether that lowers the total cost or just moves the payments up.
- SBA requirements. If you go the SBA route through Triton, remember that since March 1, 2026, 100% of the owners of a 7(a) or 504 applicant must be U.S. citizens or nationals. See how to qualify for an SBA loan.
Pros and cons
Pros:
- Fast process according to its site: approval in hours and funding in 1 to 2 business days.
- A soft credit pull that does not affect your score.
- Equipment loans with seasonal payments, useful for landscaping or construction.
- It says it can typically offer equipment loans to new businesses.
- Working capital can be used for any business purpose.
Cons:
- Working capital requires $100,000+ in annual sales, which rules out many small businesses.
- It publishes working capital rates as a total interest percentage, which does not compare directly with an APR.
- Some details (amounts, terms, documents) vary between sections of its site.
- The SBA route needs a strong profile: 4+ years, 680+ credit and $500,000+ in revenue.
- No mention of Spanish-speaking support or ITIN acceptance.
Who Triton Capital is for, and who it is not for
It fits if your business brings in more than $100,000 a year, you want to buy equipment and prefer fixed payments you can plan around, or your work is seasonal and the quarterly or seasonal equipment payments it publishes would help. It also fits if you have a strong profile (4+ years, 680+ credit and $500,000+ in revenue) and want help getting matched with an SBA lender.
It probably does not fit if you sell less than $100,000 a year and what you need is working capital, you prefer to handle everything in Spanish, you file with an ITIN, or one of your partners does not meet the SBA citizenship rule and you are eyeing its SBA route.
Before you apply, define what you need. If it is a machine, a vehicle or technology, an equipment loan usually works out better because the term tracks the asset's useful life. If it is inventory, payroll or materials for a job, working capital is the closer fit. We break it down in equipment financing vs. working capital. Have six months of bank statements, your latest tax return and, for equipment, a quote with the model and serial number ready to go.
Triton Capital vs. the alternatives
| Criteria | Triton Capital | Merchant Fund Express | SBA 7(a) directly with a bank |
|---|---|---|---|
| Speed | Approval in 2–4 hours per its site | Decisions often in 2–4 hours | Weeks |
| Minimum revenue | $100,000 a year (working capital) | Reviews sales and deposits | Set by the bank |
| Credit | Soft pull; 680+ for its SBA route | FICO 500+ | Set by the bank |
| Amounts | Up to $250,000 or $500,000 depending on the section | $5,000 to $5,000,000 | Up to $5 million |
| Collateral | Its site says no additional collateral is required | Not required in most cases | Depends on the amount |
| Spanish and ITIN | Not mentioned | Spanish-speaking support; accepts ITIN | No ITIN, due to the citizenship rule |
To be straight with you: if your business has years of history, good credit and every owner meets the citizenship rule, an SBA loan usually costs less than any fast option. For equipment, Triton can be a solid choice because of its seasonal payments: a landscaping or construction contractor, for example, can line up payments with the months when most of the cash comes in. If speed is all you are after, compare at least two fast offers built on the same information before you decide. If you are weighing similar companies, also read our Credibly review.
Merchant Fund Express: our recommended alternative
If Triton is not a fit, Merchant Fund Express is our recommended funder. It reviews your sales and deposits, not just your credit, with amounts from $5,000 to $5,000,000, credit from a 500 FICO and decisions that often arrive in 2–4 hours. It does not require collateral in most cases, accepts applicants with an ITIN (no SSN needed), offers Spanish-speaking support, and it is free to apply with no impact to your credit.
It is an especially good match if you sell less than $100,000 a year, need to handle the whole process in Spanish, or file with an ITIN and an EIN. Better credit and stronger cash flow usually mean better offers.
Frequently asked questions
Is Triton Capital legit?
According to its site, Triton Capital operates from San Diego under a California Financing Law (CFL) license. As with any funder, trust comes from transparency: get the offer in writing with the net amount, the APR, the origination fee, the payment frequency and the early repayment terms before you sign.
What do I need for a Triton working capital loan?
Its application form asks for at least $100,000 in annual gross sales and the last 3 months of bank statements. Its FAQ also mentions the application, the business's latest tax return and 6 months of bank statements. Have both sets of documents ready just in case.
Does Triton Capital check my credit?
Yes. Its site says it reviews your personal credit with a soft pull that does not affect your FICO score. The rate you are offered depends on your score, revenue, time in business and other factors, so your credit still shapes the cost.
Can I get a Triton equipment loan if my business is new?
According to its FAQ, Triton can typically offer equipment loans to new businesses. Its working capital, on the other hand, requires at least $100,000 in annual sales, and its SBA route requires 4 or more years in business. Ask which terms apply to your situation.
Does Triton Capital accept ITIN or offer Spanish-speaking support?
Its official site mentions neither Spanish-speaking support nor ITIN acceptance, so ask before sending documents. Its SBA route is also off the table if any owner is not a U.S. citizen or national. Merchant Fund Express accepts applicants with an ITIN and offers Spanish-speaking support.
What is the total interest percentage Triton advertises?
It is total interest expressed as a percentage of the amount borrowed. It is not the same as an APR, which annualizes the cost. On short terms, a total interest percentage that looks low can equal a much higher APR. Ask for both figures and compare offers on the same measure.