We Review Pearl Financing and Pearl Capital Business Financing: Check Out Our Reviews

Pearl Financing is a lender in the online space. However, there are two players with similar names. This blog post will cover both: Pearl Capital Business Financing and Pearl Financing. This post was updated in December of 2021.

Check out our Credit Suite Credit Line Hybrid, where you can get up to $150,000 to help your business thrive.

Review of Pearl Financing

Pearl Financing is a lending company in the online space. They provide various loans and forms of financing to businesses.


This lender is located online here: https://www.pearlfinancing.com/.

Their physical address is:
11010 Lake Grove Blvd
Suite 100 PMB 119
Morrisville, NC 27560.

And you can also call them at: (866) 865-0121. Their contact page is here: https://www.pearlfinancing.com/contact-us/. Also, you can email them at: [email protected].

But this lender currently only handles real estate funding.

Bridge Loans and Hard Money

Pearl Financing partners with private investment firms for this typical form of real estate financing. There are no fees listed on their website for this form of funding.

Commercial Real Estate Financing

This lender offers several forms of financing. These include SBA 7(a) loans, CMBS Conduit loans, HUD, equity, and conventional loans. There are no fees listed on their website for these forms of funding.

CMBS Conduit Loans

This is a type of commercial real estate loan secured by a first position mortgage on a commercial property. These loans are packaged and sold by conduit lenders, commercial banks, investment banks, or syndicates of banks.

Terms are five, seven, or ten years. 25 – 30 year amortization. 75% loan to value/80% with Mezzanine Loan Combo. Rates are fixed but otherwise they offer no specifics.

Mezzanine Financing

This is a hybrid of debt and equity financing. It gives the lender the right to convert to an equity interest in the company in case of default. This is often after paying venture capital companies and other senior lenders. There are no fees shown on their website for this form of funding.

The Advantages of Working with Pearl Financing

Advantages include a variety of choices for real estate funding. House flippers will do well to work with a specialist, which is what this lender brings to the table.

The Disadvantages of Working with Pearl Financing

So the chief disadvantage is no listing of fees anywhere, not even a range. This lack of transparency should be troubling to any entrepreneur. In addition, the company needs to distinguish themselves better from a similar company with a nearly identical name. In addition, that other company works in a similar industry. As a result, borrowers can easily end up on the wrong site.

Check out our Credit Suite Credit Line Hybrid, where you can get up to $150,000 to help your business thrive.

Pearl Capital Business Funding

Pearl Capital Business Financing is also a lending company in the online space. So it is evidently unrelated to Pearl Financing.

But they work with Independent Sales Organizations (ISOs) and merchants only. This other online lender helps ISOs find more merchants to sign on. So these are with credit card payments or to create merchant cash advances. Yet there is no listing for their fees on their website.


Pearl Capital Business Financing is located online here: https://pearlcapital.com/. Their physical address is in Jersey City, NJ. You can also call them at: (800) 888-9959.

Check out our Credit Suite Credit Line Hybrid, where you can get up to $150,000 to help your business thrive.

Pearl Financing Review Credit Suite

Our Combination Review: Some Takeaways

The businesses which will do the best with Pearl Financing are the ones with high financing needs but the companies are currently small. Therefore, these are companies which they expect to grow quickly and meteorically.

But companies which need less funding have other options. And they should make sure to compare offerings closely.

And finally, as with every other lending program, read the fine print and do the math. Also, go over the details with a degree of care.

So only you can decide if this option will be good for you and your company. In addition, consider alternative financing options that go beyond lending. And these will always include building business credit. Business credit building is useful as it becomes a company asset. And you can draw on it when you need it.

Today, we want to hear from our audience! Share your voice with us about your experiences with online lenders.

About the author 

Janet Gershen-Siegel

Janet Gershen-Siegel is the seasoned Finance Writer and a former content manager at Credit Suite. She has been admitted to practice law for over 30 years, with a focus on litigation and product liability, and is a published author, with writing credits at Entrepreneur, FedSmith.com and BusinessingMag.com.

She has a BA in Philosophy from Boston University, a JD from the Delaware Law School of Widener University, and a MS in Interactive Media (Social Media) from Quinnipiac University.

She regularly writes for Credit Suite, which helps businesses improve Fundability™, build credit, and get approved for loans and credit lines.

Her specialties: business credit, business credit cards, business funding, crowdfunding, and law

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