Recession Proof Capital Business Loan Review 2024

Working Capital author
William Stern

Editorial Lead

Our Perspective

Recession Proof Capital shines as a notable contender in the alternative finance sector, delivering key benefits for businesses seeking prompt and significant financial aid. Its streamlined application process and acceptance of diverse credit histories offer a significant appeal for a wide range of businesses. While questions about interest rates and potential extra fees might arise, Recession Proof Capital adeptly handles the issuance of additional loans and debt management. This makes it a prime option for companies with strong repayment strategies looking for quick capital infusion, blending efficiency with adaptability in its financial services. Yet, it's advisable for interested parties to meticulously assess all terms to verify that Recession Proof Capital aligns with their financial goals and resources.

Recession Proof Capital

Apply Now

On Recession Proof Capital's Website

Apply Now

On Recession Proof Capital's Website

Loan Amounts

$5,000 to $250,000

APR range

Not disclosed

Minimum Credit Score



  • Offers term loans ranging from $5,000 to $250,000, with lines of credit available up to $100,000.
  • Funds are rapidly accessible.
  • Accessible with a low minimum credit score.


  • Requires a minimum annual income of $100,000.
  • Businesses must have been operational for at least one year.

Who Recession Proof Capital Is Best For

Recession Proof Capital is an excellent choice for businesses of all sizes, particularly appealing to those with varied credit backgrounds. It specializes in delivering quick financial support for essential business projects or investments, providing customized financial solutions to cater to different business needs.

Who Recession Proof Capital Isn't Right For

Recession Proof Capital might not fit businesses within certain high-risk industries. This includes automotive dealerships, financial services, and non-profit entities, reflecting Recession Proof Capital’s approach to risk mitigation.

What Recession Proof Capital Offers

Recession Proof Capital offers a wide range of financing solutions, such as equipment financing, lines of credit, and Merchant Cash Advances (MCAs), to name a few. These financing options are crafted to support the diverse requirements and phases of business development, giving businesses the flexibility to allocate funds to any business-related expenses.

Recession Proof Capital Business Loan Details

Financing terms range from 3 to 18 months for the majority of options, aligning with standard industry practices. Terms for equipment financing extend from 2 to 5 years, providing adaptability for both emerging and established enterprises. Loan amounts are available from $5,000 to $250,000, catering to a broad spectrum of business demands.

How to Qualify for a Recession Proof Capital Business Loan

Businesses seeking funding from Recession Proof Capital need to meet certain requirements, including a minimum FICO score of 625, at least one year of operational experience, and a minimal number of negative ending days (NEDs) within the last six months. These accessible requirements enable a wider variety of businesses to utilize Recession Proof Capital's financial services.

How to Apply for a Recession Proof Capital Business Loan

Recession Proof Capital's loan application process is streamlined and entirely online, involving the provision of business, personal, and financial information. This process is structured into a few simple steps, with the approval and funding timeline dependent on the documentation provided and any further details requested.


At Recession Proof Capital, the initial factor rate for loans begins at 1.17, yet the finer details regarding these rates are not clearly disclosed on their website. It's vital for businesses to fully comprehend the terms and rates of any loan to prevent unforeseen expenses.

Fine Print

Recession Proof Capital allows for the issuance of subsequent loans and the handling of financial obligations by adopting a secondary lien stance. Businesses, however, should be mindful of increasing debt levels. Additional costs, including documentation and origination fees, can raise the overall expense of the loan. The renewal policy at Recession Proof Capital is designed to facilitate business growth, providing flexible solutions and the possibility of interest-free early repayment for eligible clients.


The review of Recession Proof Capital was comprehensive, utilizing 16 data points across various categories like loan details, costs, customer experience, eligibility, and application process. This methodical approach ensures a balanced and thorough evaluation of Recession Proof Capital's services in the lending market.