Flexibility Capital is one of the nation’s most reliable sources for business funding. Unlike most lending companies, Flex provides access to quick and affordable funding options for all types of businesses.We pride ourselves on being the lending partner that helps facilitate growth while always providing exceptional, dedicated service.Every business is different and our goal is place our clients in the the type of funding product that will allow for maximum growth potential.
Written by the business, not verified by us.
Is Flexibility Capital legit?
Flexibility Capital (flexibilitycapital.com) has a 4.7 out of 5 rating on OK.one, based on 101 user reviews collected here. It is listed under Money & Insurance and its reputation is excellent. Praise is nearly unanimous, with 92% rating it 4 stars or higher; The business has replied to 83% of negative reviews; Reviews mostly discuss Customer service, User experience. Last updated 2026-08-11.
What reviewers say
AI generated
Reviewers overwhelmingly had a great experience with this company. Customers frequently praise the dedicated staff members for being highly professional, deeply responsive, and extremely helpful throughout the entire business funding journey. Consumers consistently highlight the fast and efficient service, noting that knowledgeable agents make every single step simple, clear, and completely stress-free.
Though some reviewers were not happy with communication gaps, mentioning specific instances where loan officers became completely unresponsive or where there were concerns regarding application submissions. A few other people also felt that the overall service fell short due to unhelpful support interactions and generally disappointing or frustrating loan experiences.
Auto-generated from all reviews of this business. For reference only.
Michelle was super helpful, and thorough explaining details for me. Was able to find me a lender the same day, and circled back to me afterwards to ensure everything went smoothly. If you’re in a pinch, these people will help get you what you need
Reply from Flexibility Capital2026-02-26
Great to hear this! Michelle is fantastic at walking through the details and staying on top of things from start to finish. Glad she was able to move quickly and make sure everything went smoothly for you.
Nick at Flexibility Capital made my advance/loan process a positive experience. These situations are always stressful and he made it a good experience with quick turnaround and descent loan amounts & rates. Thanks for the service.
Reply from Flexibility Capital2026-02-11
Love hearing this! Nick works hard to make the process quick, smooth, and far less stressful. Glad you had a positive experience and got terms that worked well for you.
Worked great with Ryan and Ben, Ryan’s attention to detail was perfect!
Reply from Flexibility Capital2026-02-03
Thank you for the kind words! We’re glad to hear Ryan and Ben provided a great experience, and we’ll be sure to share your feedback—Ryan’s attention to detail really makes a difference. We appreciate you choosing Flexibility Capital!
This loan process was surprisingly easy. Avi made the whole experience very simple and painless! He was very responsive and quickly answered all my questions. I would definitely recommend Flexibility Capital!
Reply from Flexibility Capital2026-02-03
Thank you for the recommendation! We’re glad to hear Avi made the process easy and seamless. We appreciate your trust in Flexibility Capital!
Victoria did an excellent job helping me navigate the funding process with Flexibility. She was responsive and knowledgeable about process. Really appreciated all of her help!!!
Reply from Flexibility Capital2026-02-03
Thank you for the great feedback! We’re so glad to hear Victoria was responsive and helpful throughout the process. We truly appreciate you choosing Flexibility Capital!
I worked with Michael Halloran and he was very helpful and answered all of our questions. The process was fast and went smoothly. I would definitely recommend him to friends and families.
Reply from Flexibility Capital2026-02-03
Thank you for the great review! We’re glad to hear Michael was helpful and made the process fast and smooth. We truly appreciate the recommendation and your trust in Flexibility Capital!
Michelle was on point with all the transaction that made it possible for my business to get funded.
Reply from Flexibility Capital2026-02-03
Thank you for the kind words! We’re glad to hear Michelle was on point and helped get your business funded. We appreciate you choosing Flexibility Capital!
Gordon was more than professional and very helpful throughout the entire process. He will work wirh you until you find what you want. I will definitely recommend him and the services they provide to other people looking to fund their dreams.
Reply from Flexibility Capital2026-02-03
Thank you for sharing this! We’re glad to hear Gordon was professional, supportive, and worked with you to find the right solution. It means a lot that you’d recommend him to others.
Flexibility Capital is the worst MCA I’ve dealt with. Debits will still show in bank statements but not in their ledger and then claim “default,” and quickly sends your account to a third-party collection agency- claiming a higher balance than what you actually owe.
When you compare their ledger to actual bank statements, it doesn’t match. The numbers are inflated and false. Bottom line: the math doesn’t math, and SMBs get squeezed with pressure tactics and extra demands. I advised them I hired legal counsel and they filed suit against me as soon as I could. Proceed with extreme caution and document everything.
See you in court!
Reply from Flexibility Capital2026-02-03
We take concerns seriously and respectfully disagree with this characterization. Flexibility Capital operates in accordance with the terms of each agreement and follows established processes when issues arise.
Michelle and Ben were efficient and easy to work with. This was our first time to source funding and the guidance through the process, response time when we had questions and communication were phenomenal!
Reply from Flexibility Capital2026-02-03
Thank you for your business! We’re glad Michelle and Ben made your first funding experience smooth and well-supported, with clear guidance and great communication throughout.
Jaren was amazing..... he helped me get the funds needed for my health care business!! I highly recommend him for sure! Awesome customer service too! Thank you!
Jenny's 24 Hour Health Services LLC
MN
JRB
Reply from Flexibility Capital2026-02-03
So glad to hear Jaren was able to help secure the funding your healthcare business needed. His commitment to service and follow-through really shows, and we appreciate the recommendation.
I had a great experience working with this funding company. The process was clear, communication was consistent, and they followed through exactly as promised. Funding was handled professionally and in a timely manner, which made a big difference for my business. I appreciate the transparency and support throughout the process and would recommend them to anyone seeking business funding.
Reply from Flexibility Capital2026-01-08
Thank you for the thoughtful review! We’re glad to hear the process was clear, efficient, and delivered as promised. Transparency and consistent communication are core to how we support our clients, and we’re happy the experience made a positive difference for your business. We truly appreciate the recommendation.
Good Communication. Took time to answer questions and not make me feel like I was bothering them or without knowledge.
Reply from Flexibility Capital2026-01-08
Thank you for the kind feedback! We’re glad our team took the time to answer your questions and make the process clear and comfortable. We appreciate you choosing us and the opportunity to support your business.
Was Approved for $7500 and Verified - Did Not Get the Capital
I went through all that was required. I gave, bank statements, access to my bank account which was verified, photo id, picture, social security and was told I was approved for $7500. Signed all the forms for the capital. The next day (this morning 12/11) I called and was told I was not approved through another agent. The loan officer Jaren went ghost this morning without explanation. Apparently he went on vacation and did not have the courtesy or customer service skills to tell me what happened. Whether this was legitimate disapproval or not, it would have been great customer to explain to me why I was not notified of this change.
Reply from Flexibility Capital2026-01-08
We’re truly sorry for the frustration and lack of communication you experienced. You’re right to expect timely updates and clear explanations, and we missed the mark here.
This isn’t the level of service we aim to provide, and we’re addressing it internally. We appreciate you bringing this to our attention and would welcome the opportunity to follow up directly and provide clarity.
Ryan Kelly was great in responding to my msgs and explained what was needed to help me better understand the process, thanks again Ryan.
Reply from Flexibility Capital2025-12-10
Thank you for your feedback! We’re glad Ryan was responsive and took the time to clearly explain the process. We appreciate you choosing Flexibility Capital!
Avi Shalom was such a great help and support when I applied for my first small business loan. He was attentive, walked me through the process, and called at each step of the way clarifying my questions. Thank you for your help and work- I recommend this company!
Reply from Flexibility Capital2025-12-10
Thank you for the great review! We’re so glad to hear Avi provided attentive support and guided you through every step of the process. We truly appreciate the recommendation and look forward to supporting your business again!
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