Short answer
Big Think Capital is a business funding marketplace with an unusually clean record: an A plus BBB rating, accreditation since 2019, and just 3 complaints in three years against thousands of customers. There is no enforcement action against it and no serious pattern of grievance. The thing to understand before you apply is not the company's conduct. It is that you cannot find out what the money costs until you are already in a conversation with a salesperson.
This page summarizes what the public record shows as of September 20, 2026. Figures on rating, accreditation, complaint volume and incorporation date were read directly from the company's Better Business Bureau profile. No state or federal enforcement action against Big Think Capital could be located.
What the record shows
It is worth starting with the numbers, because they are better than most companies in this industry can produce.
BBB rating:
A plus, and a BBB accredited business.
Accredited since:
10/22/2019.
Business started:
10/3/2017, operating from Melville, New York.
Complaints:
3 total complaints in the last three years, with 1 complaint closed in the last 12 months.
Enforcement:
no state or federal action located.
Three complaints across three years is a genuinely low figure for a funding business of any size. For comparison, a great deal of the coverage in this sector concerns companies with hundreds of complaints, regulatory consent orders, or both. Big Think is not one of those companies, and this page is not going to pretend otherwise.
A word on sourcing is worth adding. Several review sites state that the company has operated in New York since 2014. The BBB profile records the business as having started on 10/3/2017. Where those disagree we have used the BBB record, because it is the primary one.
The model: a marketplace, not a lender
Big Think Capital operates as a broker. You submit an application, and it is placed with funders in a partner network. The products offered across that network include merchant cash advances alongside term loans, lines of credit and equipment finance.
This matters for one practical reason. If a payment problem develops later, the company that debits your account, holds your personal guaranty and can enforce against you is the funder, not Big Think. The broker introduced the transaction and is generally not a party to it.
The practical takeaway is to note the name on the agreement itself at the moment you sign, and keep a copy. Businesses in difficulty routinely tell us they know which broker called them and cannot name the company actually taking the money.
The pricing problem, which is the real issue
This is the substantive criticism of Big Think, and it applies to most of this industry rather than to this company uniquely.
There is no rate card. The rate and fee structure are not published, and a business cannot estimate what a deal will cost before speaking to a funding manager. Working capital advances placed through brokers commonly carry very high effective annual rates, but the specific number for any given offer is not discoverable in advance.
One important limitation follows from that. Ordinary comparison shopping is impossible. You cannot line up three offers on a screen and pick the cheapest, because none of them will tell you the price until a salesperson has you on the phone and has your bank statements. The comparison has to happen at the offer stage, under time pressure, against a person whose compensation depends on you accepting.
The outcome of that dynamic is predictable. Businesses accept the first offer that clears, because it is the only one they have in concrete terms, and only work out the cost afterwards by dividing what they repaid by what they received.
How to price a merchant cash advance offer yourself
Because nobody will hand you an interest rate, you need to derive the cost from the two numbers that do appear in every agreement.
Purchase price.
The amount actually deposited into your account.
Purchased amount.
The total you will repay. The gap between the two is the entire cost of the money.
Factor rate.
Purchased amount divided by purchase price. A $20,000 advance repaid at $28,000 is a factor rate of 1.4, or $8,000 to borrow $20,000.
Daily or weekly payment.
The fixed debit. Multiply it by the number of business days in a month and compare it against your slowest month of deposits, not your best.
Estimated term.
Purchased amount divided by the daily payment gives the number of business days to completion. A short term makes a modest factor rate enormously expensive in annualised terms.
Fees deducted at funding.
Origination and administrative fees come out of the purchase price, so the amount you receive is often less than the figure on the agreement.
Run those six figures before signing and you will know the price whether or not anyone quotes it to you.
What a clean record does and does not tell you
Two limitations are worth stating plainly, because they cut in both directions.
A clean record is meaningful. A company with three complaints in three years is not running the kind of operation that produces attorney general lawsuits, and treating it as though it were would be dishonest.
What the record does not give you is any assurance about affordability. Complaint volume measures how a company behaves toward customers. It does not measure whether a daily debit is survivable against your deposits. Those are separate questions, and a business can be dealt with perfectly courteously all the way into a cash flow crisis.
Frequently asked questions
Is Big Think Capital a legitimate company?
Yes. Big Think Capital holds an A plus rating with the Better Business Bureau and has been a BBB accredited business since 10/22/2019. Its BBB profile records 3 total complaints in the last three years. No state or federal enforcement action against Big Think Capital could be located.
Does Big Think Capital lend its own money?
It operates as a marketplace, placing applications with funders in a partner network. The agreement you sign, the debits from your account and any enforcement come from that funder rather than from Big Think.
Why can I not find out the interest rate before applying?
Merchant cash advances do not carry an interest rate, and the rate and fee structure are not published. Cost is expressed as the gap between a purchase price and a purchased amount, and that figure is quoted only after you speak to a funding manager and provide bank statements.
How do I work out what an advance actually costs?
Divide the purchased amount by the purchase price to get the factor rate. A $20,000 advance repaid at $28,000 is a factor rate of 1.4, meaning $8,000 to borrow $20,000. Then divide the purchased amount by the daily payment to estimate how many business days it will take, because a short term makes even a modest factor rate very expensive on an annualised basis.
If I took funding through Big Think, who do I speak to about the payments?
The funder named on the agreement. A broker is generally not a party to the transaction and has no authority to adjust your payment schedule or settle a balance.
If the payments are the problem
If a daily debit is taking more from your account than the business reliably generates, the relevant facts are the ones in your own agreement: the purchased amount still outstanding, what the reconciliation clause entitles you to ask for, and who actually holds the position. Working that out is far easier while payments are still clearing than after an account starts returning them.
