Yellowstone Capital Review

June 12, 2018
Yellowstone Capital Credit Suite

Check Out Our Review of Yellowstone Capital

Yellowstone Capital is now known as Fundry.

We reviewed Yellowstone Capital, one of several lenders in the online space.

Yellowstone Capital offers Business Capital. They are an ISO (independent sales organization).

We look at the specifics and drill down into the details.

Learn bank rating secrets with Credit Suite's free, sure-fire guide.

Yellowstone Capital: Background

Yellowstone Capital is located online here: Their physical address is in Jersey City, NJ.

You can call them at: (855)972-2748. Also, you can contact them at: [email protected].

Here is a link to their About page:

In 2015, they had in a $1.5 million deal which, at the time, was their largest ever deal.

Yellowstone Capital: The Details

Yellowstone offers what are called C and D paper loans. These are sub-prime loans.

These are types of alternative, or non-conforming, loans, often for borrowers with poor credit. The term “paper” just means when a lender makes a loan, it takes back a promissory note. And it takes security interest, like a mortgage. So those are pieces of paper.

Non-conforming loans are more risky than conforming ones, and are alphabetically classified as according to risk. Non-conforming C loans are less risky than D loans. D loans have the lowest classification.

C & D Loans

Fundry Capital Credit Suite
Yellowstone Capital

There are far fewer lenders who want to make C and D loans. Hence there is less competition for these borrowers.

This causes interest rates to be higher. Also, most lenders view these borrowers as being more risky and more desperate.

That perception also, understandably, pushes up the interest rates.

Sometimes alternative loans can be seen as predatory. Borrowers in such a situation should always be careful that there are no significant prepayment penalties. Those are common with non-conforming loans, and they can prevent you from refinancing.

Business Capital (Merchant Cash Advances)

This online lender offers same-day approvals. Yellowstone Capital funds merchant cash advances. They will handle high-risk borrowers. And collateral is not necessary for working with them.

Yellowstone Capital Fees

Yellowstone Capital’s flat fees are generally x1.4 – x1.6 of the amount advanced. However, the origination fee and APR are  not known. This is because their website is not very informative.

Learn bank rating secrets with Credit Suite's free, sure-fire guide.

Yellowstone Capital Advantages

Advantages include fast approvals and acceptance of high-risk borrowers. Also, they offer flat fees.

Yellowstone Capital Disadvantages

Disadvantages include a lack of transparency regarding fees. Their website has very little information. However, a high-risk borrower may have few other options. Also, any borrowers in the C and D paper categorizes should know the interest rates will be high.

And this is by definition.

Learn bank rating secrets with Credit Suite's free, sure-fire guide.

Yellowstone Capital Takeaways

Any business owner should always be wary of funding sources which are not transparent with their fees. Maybe the lender reveals all once you apply. But why should any business owner have to wait?

Companies which will work best with Yellowstone Capital are high-risk borrowers. This is because they may have few other options for C and D paper loans.

However, other borrowers should press for more transparency. Or they should be ready to look elsewhere if the lender is not forthcoming.

Because this should always be basic and easy to find information.

A Word to the Wise

And finally, as with every other lender, always read the fine print and do the math. Go over the details with care. Better yet, work with a financial professional with no affiliation with the lender. Decide if this option will be good for you and your company.

In addition, consider alternative financing options that go beyond lending. These are options such as building business credit.

However, only you can best decide how to get the money you need to help your business grow.

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 Head Finance Writer and 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, and

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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