Good service, but... In general I had a good experience with Streetshares. Their rates were better than most other lenders, though the origination fee they charge decreases that benefit. The application process was easy and I have found since signing up that making extra early payments is easy enough as well. My only negative was the representative that contacted me to set up my account ended up being overly pushy to sell the service. When I stated that I needed some time to compare and check out their history he still pushed to close the deal. I ended up having to hang up on him. I did the research I needed and StreetShares did end up being the best option, but the hard sell sales technique left me with a bad taste. I would have knocked them down to 3 stars, but in this culture where anything but 5-star is bad I couldn't ding them that much for one incident when all their other service has been good. I'm not sure if that selling tactic is company policy, but hopefully they recognize that business owners need their space to make decisions.

Expensive but accessible Costs for loan are high, but the process wasn't too hard and the turnaround was faster than a bank loan. There were some stumbles along the way, so it wasn't as fast as advertised, but they did get things sorted out and get me the funds in a reasonable timeframe. If your business is too small and too new to qualify for a bank loan, or has revenues too low for the bigger "small" business loan companies, try them out - they may surprise you.

After giving all my info After giving all my info, I NEVER received a call with a status on the application. Finally, I call them to see if I "qualified," for a loan. The guy looks up my application or whatever and then asks how much do I make a year personally, apparently you have to make at least $25,000 a year, to qualify for a loan. I asked him, well, that's not what is advertised- what streetshares advertised is, if you have bad credit you still can qualify for a loan." The only thing he says is, "sorry we can't go any further." They didn't offer any assistance whatsoever, and a lot of the reviews online are fake. The guy didn't give me two minutes before telling me there was nothing he could do. Bad service, bad company and bad advertisement.

Beware of the Interest Rate The people are all great. The customer service is excellent. If you know your credit score is not the greatest, be prepared to pay an interest rate that is double most credit cards. I have a credit score around 675 and I was quoted at 27% interest rate... My credit card is only 12.99%.....

Returns down since removing selective investing... My returns have dropped significantly since you removed selective investing. If I am understanding my investing options correctly I have to invest in a broad selection of loans not just individual ones. You have too many questionable loans that will default - if someone isn't willing to provide their public name and info they are less likely to keep their word to pay off their loan.