Capital Bean Will Find You The Best Loan At The Most Competitive Rate

We want to make everything as simple as possible and our average customer can fill out our application form in under 5 minutes. The funds could be in your account within 24 hours or the next business day.

About Capital Bean

Capital Bean was founded by Richard Allan in 2021 after reading about the issues surrounding payday loans and high cost loans. The continued stories about consumers falling into debt traps and expensive loans that they couldn’t get out of caused a light bulb moment to aggregate multiple lenders into one safe and secure place. And so, Capital Bean was born.

The Problem

With more than 12 million Americans taking out payday loans each year, some are using them responsibly to pay for emergencies, but others are falling into debt spirals, taking out loans that they cannot afford and falling for fee and penalties which they know nothing about. Whilst payday loans are useful and provide a fast means of cash, there are other suitable alternatives available that can offer amounts of $200 or $500 within a similar timeframe, without high APRs or penalties.

The Solution

Capital Bean is safe and secure online platform that matches up your requirements across a number of loan providers including those offering personal, installment, title, payday, credit unions, stores, apps and more.

Why go to one shop or one store, when you can get a tailored and personal loan offer based on checking your requirements against multiple lenders.

We never charge a fee to use our online application form and help our customers get their money fast. You have no obligation to proceed with the loan and lender that we match you with and whatever your decision will not impact your credit score in any way.

richard allan - capital bean founder

Richard Allan, Capital Bean Founder

Where Did Capital Bean Get Its Name?

Richard was sitting around one evening trying to come up with a name for the business. Naming is difficult and was drawing a blank. We knew that we wanted to offer personal loans and payday loans to all the major capital cities in the US but couldn’t quite find a name that worked for it. Richard’s wife walked in and she said “you’re full of beans” and that was enough – what about Capital Bean. And that is how we got our name. Now we are proud to offer loans in all the major cities across America.

How Does It Work?

Capital Bean was set up to offer a loan connection service for residents of the US. We wanted to offer a quick way for our users to borrow money online. We set up an easy-to-use form that can be completed within 5 minutes.

First – you put in your details including how much money you want to borrow, for how long, your monthly salary, your bank account details and SSN. You could have an instant decision on-screen and then get your money in your account within the same working day.

Capital Bean is not a lender but instead works with a panel of the best lenders in each state. In this way we can make sure we get you the best loan for your circumstances.

Capital Bean and Commercial Partnerships

At Capital Bean, we have integrated our systems with more than 50 lenders across America. We only receive a fee or commission from the lender if your application is accepted and approved for funding.

Our commitment to responsible lending is to provide the right product for the customer and not based on commercial arrangements and driven by commission. As a consumer, you have the right to proceed or withdraw from a loan offer or loan agreement at any point.

Our system and efforts are based on matching your loan request with a legitimate lender who will most likely accept your criteria, offer you the most competitive rate and fund your application as soon as possible.

We will not recommend expensive or unsuitable products for commercial gain.

Vetting Our Partners

We take the vetting process of our lenders and partners very seriously. Whether we work with brokers, direct lenders, stores, apps or credit unions, there are certain checks internally that we carry out such as:

  • Being licensed and regulated by The Consumer Financial Protection Bureau
  • Is an OLA Member
  • Is clear and transparent with their costs
  • Have operational and available customer services
  • Operates responsibly and with a client-first mentality

It is our role at Capital Bean to constantly review and vet our existing partners and find new ones to offer the best value proposition to our borrowers and customers.

Step 1
Apply Online


Use our handy online form where you can apply for a loan in under 5 minutes. It is 100% free to apply and you can get an instant decision. You’ll need your name, address, bank account details, SSN, salary and the amount you want to borrrow.

Step 2
Receive an Offer


Capital Bean will work with our network of lenders to find you the best and most affordable loan we can. Receive an instant decision from our lenders.

Step 3
Get Your Cash


If your loan request is a success then you will get your money in your nominated bank account within 1 hour, 24 hours or the next business day. You will then be able to make repayments from 1 to 60 months.