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Lender review · Business funding
Closer Capital (sometimes searched as Capital Closer) is a business funding brokerage founded by Ryan Stewman. This review covers the programs it places, the eligibility bars it publishes, the public reviews we were able to verify, and which of its marketing numbers we could and could not stand behind.
By Closer Capital Reviews · Last updated August 28, 2026 · How we make money
What we verified
Seen the complaints? Is Closer Capital a scam? What the 1-star reviews say.
Applying sends you to Closer Capital’s own prequalification form. Closer Capital Reviews is not a lender or a broker and does not make credit decisions. We are compensated when a reader applies through this site —how we make money.
60-second check
4 quick questions. No credit pull. No obligation.
The short version
That is the question the marketing invites, so it is the one we started with. Closer Capital is a brokerage: it does not lend its own money, it places files with bank and non-bank partners. That shapes everything below. Speed and approval odds depend on the partner your file lands with, not on a single house underwriting standard.
The public feedback is mixed. All 5 Facebook reviews are 5 stars, and the positive reviews repeatedly name the same two things: a responsive human contact and a process that did not surprise the borrower at the end. On Trustpilot, as of October 2026, Closer Capital holds a TrustScore of 2.5 out of 5 from 12 reviews: five 5-star and seven 1-star. Most of the 1-star reviews criticize CEO Ryan Stewman’s social media conduct rather than describe a funding transaction (we break them down inis Closer Capital a scam?). Either way it is a small sample. Treat it as a signal, not as proof of a track record.
The headline numbers in Closer Capital’s marketing are the advertiser’s own. We could not independently verify them, so we have not restated them as findings. They appear below labelled as company claims, with their source.
Our ratings are our own assessment, scored against the program's published terms and eligibility bars. We are compensated as an affiliate, and our ratings range from 4.0 to 4.6 rather than 5.0 because the programs differ. How we research
Claim check
Every figure below is either something Closer Capital publishes about itself, or something we checked ourselves. The two are kept apart on purpose.
Company claim
Closer Capital states $1M approved in a single day.
Source: Closer Capital marketing material. We have not independently verified this figure.
Company claim
Closer Capital states funding in as little as 24 hours after approval.
Source: Closer Capital's published program pages. We have not independently verified this figure.
Company claim
Closer Capital states $25K to $5M.
Source: Closer Capital's published program range. We have not independently verified this figure.
Company claim
Closer Capital states 1+ year in business, $100K+ annual revenue, 600+ credit score.
Source: Closer Capital's published baseline eligibility. We have not independently verified this figure.
We reproduce seven reviews below unedited (all 5 from Facebook and 2 from Trustpilot), with the reviewer name, date, and platform attached to each one. The other 10 Trustpilot reviews, three 5-star and seven 1-star, are linked rather than quoted. We did not verify the reviewers’ identities or the outcomes they describe.
We confirmed the program lineup and the published eligibility baseline against Closer Capital’s own program pages on the date above. Approval amounts, rates, and timelines are set by the funding partner, not by Closer Capital, and we have no way to audit them.
Closer Capital’s figure, per Closer Capital marketing material. We have not independently verified it.
Closer Capital’s figure, per Closer Capital's published program pages. We have not independently verified it.
Closer Capital’s figure, per Closer Capital's published program range. We have not independently verified it.
Customer feedback
We counted 17 public reviews as of October 2026. Facebook: 5 reviews, all 5 stars. Trustpilot: a TrustScore of 2.5 out of 5 from 12 reviews, five 5-star and seven 1-star. The seven below are reproduced unedited and ordered newest first; read the full Trustpilot record, including every 1-star review, onTrustpilot. None were solicited or paid for by this site.
Fantastic to work with. They quick, no BS approach is what drew me in initially!
They’re willing to go out on a limb to get the deals done, even if a deal takes longer than expected!
Taylre is fantastic, and shows you she’s there to help you along the process (which is simple but can get hairy in some parts) but luckily you’re not alone!
Getting a business loan has never been easier! Taylre was so nice, patient & super cooperative throughout the process. Everything was explained in great detail and there were no surprises. I’m excited to build relationship with Closer Capital.
Solid team at Closer Capital !!
Quick funding, easy process !!
100% recommend
Robert OrtizFacebook · November 10, 2023Highly recommend this team of pros to assist with all of your financing needs. The deals they can get done are unmatched! 10/10
Joshua WilsonFacebook · November 10, 2023A good team of honest people who are very knowledgeable in the space. I was impressed by how many different kinds of deals they’ve facilitated over the years. It’s easy to trust their experience.
Eli BowmanFacebook · November 10, 2023Greatest people you’ll ever work with! 100% would recommend.
Jacob DayFacebook · November 10, 2023Closer Capital is like having a financial shot of B-12 for your business.
Steve ApodacaFacebook · November 10, 2023Seventeen reviews is a small sample for a funding brokerage, and the two platforms disagree. We publish the counts and the split rather than a single score so you can weigh it yourself, and we will update this section when the public record changes.
The founder
Ryan Stewman founded the company and is its public face. The positioning below is his, not ours, and we reproduce it as a quotation so you can judge the pitch on its own terms.
“The real barrier isn’t just funding; it’s accessing funding that aligns with your business’s pace and potential.”
Closing that gap is the reason Stewman gives for founding the company. It is a positioning statement rather than a term sheet, so read it as the pitch it is: the rate, amount, and term you are offered come from the funding partner, not from this sentence.
Program coverage
Closer Capital places files across seven product lines. Each has its own review on this site with our rating, the eligibility bar, and what to ask before you sign.
Eligibility
This is the advertiser’s published baseline, not a guarantee of approval. The funding partner your file reaches sets the actual bar, and it can be higher.
Most programs in the lineup ask for at least a year of operating history. Closer Capital states the requirement varies by program.
The published baseline. Closer Capital states businesses below it can still be reviewed, but the program options narrow.
Programs generally start around a 600 minimum. Closer Capital states a person reviews each file rather than an automated cut-off.
Company claim
Closer Capital states 1+ year in business, $100K+ annual revenue, 600+ credit score.
Source: Closer Capital's published baseline eligibility. We have not independently verified this figure.
The process
Closer Capital Reviews does not process the application, review your file, or make any credit decision. We refer you and are compensated if you apply.
These logos appear in Closer Capital’s marketing onclosercap.com (sponsored link). They are not endorsements of Closer Capital Reviews, and we have not verified the underlying coverage.
If Closer Capital looks like a fit, the next step is its own prequalification form. You will be applying with Closer Capital, not with this publication. Nothing on this page is a loan offer, an approval, or financial advice.
Closer Capital Reviews participates in Closer Capital’s affiliate program and is compensated when a reader applies through this site.Full advertising disclosure.
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Closer Capital states there is no credit pull to pre-qualify.Advertiser disclosure
