Click N Loan Reviews

Legal Expert
Sarah Edwards, BS

Sarah Harris is a professional researcher and writer specializing in legal content. An Emerson College alumna, she holds a Bachelor of Science in Communication from the prestigious Boston institution.

Edited by Hannah Locklear

Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

Summary: Growing a small business isn’t easy, especially if you’re short on funds. Click N Loans is a company that helps organizations find lenders for their needs. SoloSuit explains how Click N Loans works and what customers say about the company.

Finding a lender who will finance small business operations isn’t easy, especially if your company is new and unproven. One company that helps business owners connect with lenders is Click N Loans. Through the service, entrepreneurs can obtain the money they need for business operations.

What do customers have to say about Click N Loans? Let’s find out.

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Click N Loans isn’t a bank

It’s important to note that Click N Loans isn’t a bank. It doesn’t actually finance business loans — instead, it sends your application to a network of lenders who can approve or deny your company for a loan.

Click N Loans offers several financing options, including merchant cash advances, revolving lines of credit, short-term loans, and equipment financing. The terms for each lending option vary, and the applicant must have good credit to qualify.

On its website, Click N Loans claims that business owners can complete a quick application in under five minutes and potentially receive same-day funding. However, same-day financing is only available to qualified applicants who submit their application before 10 a.m. EST between Monday and Friday.

There’s no guarantee that an applicant will receive funding or any type of loan. A Click N Loans website disclaimer notes minimal eligibility for the most competitive loans.

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Another point to consider is Click N Loans' privacy policy. Once you provide Click N Loans with your phone number and contact information, you consent to receive calls, regardless of whether you’re on the National Do Not Call Registry.

Let’s consider an example.

Example: Henry needs a short-term loan to support his retail store, which he opened a month ago. Henry comes across Click N Loans and decides to apply for financing through the company. The next day, Henry receives five phone calls from different lending companies he’s unfamiliar with. Henry is on the Do Not Call Registry and decides to make a complaint. However, the FTC dismisses the complaint because he voluntarily gave his contact information to Click N Loans. He asks the companies to stop calling him, which they agree to.

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Is Click N Loans a legitimate company?

Click N Loans is a relatively new company. It has a profile with Better Business Bureau (BBB), and the company became accredited with an A- rating in June 2023.

While Click N Loans is legitimate company, it’s generally not a good idea to apply for a loan unless you know who the lender is. As Click N Loans isn’t a bank and instead uses a variety of lenders to source loans, you won’t know what lender will hold your loan until the end of the process. So be sure to research the lenders before you sign anything.

New business owners often need cash in their company’s early days. However, you want to know that the lender you work with is reputable and won’t charge you high interest rates or fees you aren’t expecting.

Instead of turning to an aggregator like Click N Loans, consider working with your local bank or credit union. Chances are, you will discover a greater sense of confidence in the origin of your funding.

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