Giggle Finance

Disgruntled Small Business Owner

My experience with Giggle Finance has been extremely frustrating and stressful. While the company markets itself as a fast and flexible funding option for small businesses, the reality was very different. After making payments and being told my balance was satisfied, I later received conflicting communications stating that additional amounts were owed without clear documentation or itemized explanations. Despite repeated requests for transparency and written clarification, responses were inconsistent and slow. What made the situation worse was the filing of a UCC lien, which severely impacted my business operations and access to merchant processing. Even after payments were made and funds were sent directly from my processor, the lien was not promptly resolved, causing ongoing financial harm. I have had to file formal complaints with regulatory agencies simply to get basic responses and accountability. For business owners, especially those relying on uninterrupted cash flow, this lack of clarity, communication, and urgency is incredibly damaging. I strongly recommend that any business considering Giggle Finance fully understand the terms, request everything in writing, and proceed with extreme caution.

This company is extremely unethical

This company is extremely unethical. I received a $7,000 loan on 8/5/2025 on 12/3/2025 it was paid off they sent a text as they normally do congratulations once your payment clears you will be all paid off. I then responded can they terminate the ucc lie they filed. They told me to contact their legal department. They had the audacity to say that the rep sent it by mistake and they will talk to their supervisor they don’t know what they’re doing? I actually owe an additional $2600 because a lien was filed. This form costs $40 to file. I also noticed based on other reviews they charge different amounts to people. I’m assuming based on what they believe the customer is able to pay. Also I advise everyone to file a complaint with the consumer financial protection bureau they will refuse to respond and enough of these complaints will result in an investigation into their predatory practices. Also contact your attorney general of your state as well . At the moment they have over $20,000 of my funds on a $7,000 loan and they refuse to file a ucc termination letter which is illegal. I have sued them in superior court.

I work on my own company and we be so…

I work on my own company and we be so grateful if you can approve my loan

Customer since 2023

Customer since 2023. Multiple advances. Always paid, and most recently paid off early. The only issue was a brief delay during Christmas/New Year, when banks were closed and deposits were delayed everywhere. I explained this, and once funds cleared, I immediately paid early—as I always do—expecting renewal. Instead, Giggle hid behind a generic “decision is final” message. No phone support, no human review, no accountability. Years of good history erased over a holiday banking delay. If you’re a real business with net-30 customers, be careful. This platform is rigid, automated, and offers terrible customer service. For comparison: Stripe Capital has been far more reasonable, and Pipe Capital is by far the best experience I’ve had—transparent, flexible, and actually treats businesses like partners. Giggle works until it doesn’t. When it doesn’t, you’re on your own. May work for Freelancers or Gig workers.

No Grace Given DO NOT USE THEM

Fall behind one time They will never fund again, even if you fulfilled your original obligations.

I recently applied for a funding…

I recently applied for a funding opportunity, encouraged by a friend's recommendation. My business generates between $25,000 and $30,000, yet I found that I did not qualify for the funding. This experience has left me feeling frustrated and disillusioned. It raises a crucial question: How can organizations claim to support small businesses when many of us fall short of receiving the assistance we need? It feels deceptive when companies advertise their commitment to helping small business owners, particularly those from marginalized communities. Many of us work tirelessly to establish and grow our businesses, only to encounter barriers that prevent us from accessing the resources we were led to believe were available. I can't help but feel that my time, along with that of countless others, has been wasted. It is disheartening to see our faces used in promotions, only for those organizations to turn away when we seek support. We deserve clarity and transparency in funding processes, as well as genuine support that aligns with their promises.

This is an excellent company for people…

This is an excellent company for self employed people who are unable to obtain a decent loan. You’re treated good even if your credit is bad and you’re given a loan that is fair and with good terms. Best of all communication is the best

Small jump start

Was. Simple but thought i would relieve larger amount

Quick application process

Quick application process. Before I knew it, I was funded the same day.

I am satisfied with the service…

I am satisfied with the service provider.

Constant issues with their website

Constant issues with their website. It’s been over a week now.

Horrible customer service

Horrible customer service, dont help you with anything. But tells me to be sure im making payments on time, THIS IS RIDICULOUS I NEVER HAD AN ISSUE WITH NOT MAKING A PAYMENT SO WHY DOES HE HAVE TO SAY THAT TO ME?? WAS BEING BLAMED FOR SOMETHING I HAVENT DONE AND COULDNT GET SIMPLE QUESTIONS ANSWERED

It's horrible They don't even let you…

It's horrible They don't even let you know. When you gonna be finished, paying the debt

Great service

A big liability with low outcome

all of their sectors are related to high risk debt trap. their way of doing business is to fall in their customers into a big debt cycle. where i found, low gain and high risk.no one cares actually this type of debt trap untill they undertood the business model. Users should read their full terms and conditions before diving into it.....

One of my favorite apps!

It is good for what it is

It is good for what it is. As long as you use them responsibly you're fine and they ate a good option. They do get get kind of aggressive if you're late but overall not bad. I will still continue to use them

Great 👍 fantastic

AWFUL

AWFUL. If you are a business DO NOT DO THIS.

easy and smooth application

it was easy and straight to the point, no game!