PIRS Capital
3.22/5.0
Eliza Mancini
5/5.0
01, Aug 2025
Responsive and flexible
What stood out was how well the team listened. I had to tweak the loan terms once, and they worked with me to adjust things instead of saying no right away. Their emails were timely, and the portal was simple enough to navigate. Funds landed quicker than I expected. A reliable experience from start to end.
Malia Lewis
2/5.0
23, Jul 2025
Just okay
The application was simple, but the approval process was unnecessarily complicated. Too many back-and-forths over the same information. The loan finally came through, but it shouldn?t have taken this long.
Declan Pathak
3/5.0
15, Jul 2025
Basic but functional
Nothing fancy here, but they deliver. Had to ask twice for clarification on payback schedule. No attitude from staff, which I appreciated. Platform works but needs updating.
Alexander Kante
1/5.0
10, Jul 2025
Rep was unprofessional
I worked with someone who clearly didn?t understand their own product. When I asked about terms, they paused, then said, ?Let me check.? That?s fine once?but it happened five times. I lost confidence. Then I got an email with someone else?s name in it. Clearly, not a high standard of care. I dropped out before signing anything.
Jade O'Malley
4/5.0
05, Jul 2025
Helpful and cooperative team
Needed funding for a short-term renovation project and came across PIRS Capital while researching online. The team there was helpful and guided me through the process. I had a lot of questions since this was my first time working with a non-traditional lender, and they answered every one with patience. I did feel like the portal was a bit outdated and could use a more modern interface, but that?s not a huge issue. One hiccup came when a document wasn?t accepted because it wasn?t in PDF format, which caused a short delay. However, their staff resolved it quickly. Overall, I felt like I was treated fairly and got a deal that worked for my needs. Funds were delivered in less than a week. Would use them again if a similar need arises. Their honesty and clear communication are what made the difference for me.
Kyle Abraham
5/5.0
28, Jun 2025
Smooth and respectful process
I found PIRS Capital after doing quite a bit of research, and I?m glad I gave them a shot. Their process was way smoother than some of the larger institutions I?ve dealt with in the past. Everything from application to funding took about four days. The team assigned to my case was respectful, informed, and not overly pushy, which I really appreciated. One standout moment was when I had a question late at night and emailed them?got a reply first thing the next morning with a clear breakdown of the fees. The portal was easy to use, and uploading the financials was straightforward. Honestly, the whole experience felt very professional. They explained daily repayments clearly, and there were no surprise fees or shady clauses in the agreement. PIRS comes across as a company that respects small business owners and wants them to succeed. Would definitely recommend their team to others.
Calvin Soni
4/5.0
12, Jun 2025
Clear terms, solid people
One thing I liked about working with them was how clearly they explained things. The rates and fees were shown right away?no buried details. The process was mostly online, and they guided me well through uploading docs. Took 2 extra days to get final approval, but they kept me posted. Staff seemed patient and well-trained.
Spencer Weber
1/5.0
04, Jun 2025
Miscommunication from the start
Everything was confusing from day one. I got two different quotes from two reps, and neither of them matched the final agreement. When I questioned it, they said the system ?auto-adjusted based on risk,? but that wasn?t explained earlier. No one clarified the process, and I was left guessing. Ultimately, I pulled out before funding. Not worth the stress.
Amelia Dubois
1/5.0
27, May 2025
Felt too rushed and impersonal
Communication felt robotic. I had a hard time getting real explanations for things, and everything was done on a strict script. There was no flexibility or real dialogue. When I asked about early payoff benefits, the rep read from a sheet. I want more clarity, not just speed. Didn?t move forward with the loan.
Parker Singh
2/5.0
19, May 2025
Rep lacked knowledge
My questions about early payoff were met with vague responses. It felt like the rep didn?t fully understand the product or didn?t know how to explain it.
Silas Goel
3/5.0
06, May 2025
Room for improvement
Funding came through, but felt like I was constantly following up. Reps were polite, just too slow on emails. I wouldn?t call it frustrating, but definitely not seamless. Still, they honored the agreement.
Sawyer Adebayo
1/5.0
28, Apr 2025
Unacceptable delays and no urgency
Honestly, I don?t know how this company has positive reviews. I applied and submitted all my documents within the first day. I was told I?d hear back by the end of the next business day. Nothing. I followed up?again, nothing. Finally, four days later, I got a short email saying they were ?reviewing documents.? No timeline, no explanation. It took a full 8 business days just to get a decision. In that time, I had to delay orders and it cost my business real money. To make matters worse, the representative assigned to my account barely answered emails and didn?t return phone calls. When I finally got through to someone else, they told me the delay was due to a staff shortage. That?s not something you tell a customer who?s relying on your timeline. I ended up walking away before finalizing anything. Their lack of urgency was unacceptable.
Wren Diallo
5/5.0
20, Apr 2025
Friendly team, fair loan
Team was really approachable. Loan matched my business needs. Took 2 calls to get clarification on the amortization table, but they were patient and helpful.
Leslie Wilson
3/5.0
10, Apr 2025
Not very quick
While they were respectful, the whole process was just slow. I submitted documents twice because they said the file ?didn?t go through.? The loan came, but the delay was frustrating.
Ian Ndungu
4/5.0
22, Mar 2025
Strong follow-through and service
What I appreciated most about PIRS Capital was how well they followed through on every part of the process. I was hesitant going in because you hear a lot of stories about small lenders ghosting clients or changing terms last minute. But here, every step felt transparent and grounded. The portal could be a little better organized?it took me a few tries to find where to upload financials?but once I figured that out, everything else flowed pretty smoothly. Their team answered all my questions over the phone, especially regarding the payback structure, which helped me make a confident decision. I ended up securing a loan that covered inventory gaps ahead of the holiday rush. I did notice a typo in one email, which gave me pause for a moment, but the rep clarified everything when I brought it up. Would use them again and recommend to other small retailers.
Adam Schmidt
1/5.0
16, Mar 2025
Confused and contradictory
Different reps, different answers. One person said my approval was ready, the next said they still needed documents. I sent my bank statements three times. System issues, they said. It just made the whole thing feel unreliable. I finally gave up and moved on. Didn?t feel confident signing anything after all that.
Madison Cooper
2/5.0
11, Mar 2025
Delays and lack of clarity
The funding took more than a week despite being told it?d be quick. Customer service was slow to respond and I was left unsure of next steps multiple times.
Jasper Ahuja
4/5.0
04, Mar 2025
Helpful people, basic interface
Interface could be more detailed, but the people working there are pretty helpful. They walked me through a few questions and didn't mind repeating themselves. Not flashy, but steady and decent.
Graham Joshi
4/5.0
19, Feb 2025
Good, not amazing
Their team delivered on the loan, no doubt. The only reason I?m not giving 5 stars is that the process had some manual parts?like printing and signing docs?that could be smoother digitally. Still, their people were patient and explained each step. Got the funds on time and would consider using them again.
Raya Diallo
3/5.0
03, Feb 2025
Mixed experience
One team member was helpful, but the others I interacted with seemed overwhelmed. The inconsistency made it hard to trust the process completely.
Henry Balakrishnan
3/5.0
27, Jan 2025
Average but not bad
Got the loan, so goal achieved. They were fair in how they treated me. Didn?t like that I had to resend the same file twice, but their rep apologized and fixed it quickly.
Ivy Pavlov
4/5.0
14, Jan 2025
Good experience overall
The loan I received from PIRS Capital came at a time I really needed help. The terms were reasonable and clearly explained. They didn?t overpromise anything. There was a brief issue verifying one document, but it got resolved the next morning. I liked that their staff never rushed the calls and made sure I understood everything.
Reese Dubois
3/5.0
03, Jan 2025
Not terrible, just slow
I wouldn?t call it a bad experience, but it definitely wasn?t smooth. Too many delays, and communication wasn?t consistent. Got the funds, but with lots of effort on my part.
Theodore Abraham
3/5.0
18, Dec 2024
Took longer than planned
The team was nice but slow to respond at times. Took nearly a week longer than expected to get everything sorted. The documents were straightforward, and I appreciated the patience, but wished it had been quicker.
Laila Johnson
5/5.0
07, Dec 2024
Professional, fast, and human
Out of all the lenders I?ve interacted with recently, PIRS Capital was easily the best. They didn?t just try to rush me through the process?they actually asked questions about my business and tailored their offer to match my needs. The loan officer listened patiently as I explained cash flow cycles and even adjusted repayment timing to work around them. I had a minor issue uploading a utility bill (it kept rejecting the file type), but customer service resolved it within an hour. Their tone was always respectful and never robotic. I got funded in about 3 business days. Everything from the contract to the final payment instructions was clear and well communicated. It felt like they genuinely wanted to make sure I was comfortable with the process. Very refreshing in this industry. I?ll be sticking with them going forward, especially since they offer renewal options without hassle. Solid lending partner.
Jude Naidu
5/5.0
23, Nov 2024
Met expectations
I came in with measured expectations, and they delivered accordingly. No bells and whistles. Professional, responsive, and consistent. A few tiny delays, but not a big deal.
Rosalie Jenkins
1/5.0
16, Nov 2024
Lack of transparency ruined it
Everything started off fine, but as the process moved forward, the details became murky. The person I dealt with seemed helpful initially, but when it came to repayment terms, things got confusing. The daily deduction amount changed from what was originally quoted. When I brought this up, they said it was because of updated underwriting data, but that wasn't explained clearly in the beginning. I felt like the true cost of the loan only became clear at the last moment. Also, their system glitched twice while uploading statements. Customer support took a full day to get back to me, and even then the explanation was vague. I canceled the process before signing the final agreement because I felt uneasy. It?s a shame because I was ready to move forward if things were clear. Lack of upfront transparency was a dealbreaker for me. Definitely won?t be returning or recommending them.
Joanna Stone
4/5.0
05, Nov 2024
Consistent and fair service
This wasn?t my first time applying for alternative funding, but it was my first time with PIRS. Compared to others I?ve tried, they seemed much more consistent and less aggressive. Their rep didn?t overwhelm me with back-to-back calls, which I appreciated. After I submitted my paperwork, they gave me a clear list of next steps. The underwriting team asked for a few extra docs, but that?s to be expected. I did hit a delay when they needed clarification on a deposit, which slowed things by about a day. Overall, though, they were transparent and didn?t try to sneak in any extra fees. I was a little skeptical of the daily repayments at first, but they took the time to show how it would affect my cash flow. That made a huge difference. It?s not a perfect system, but it?s one of the more professional lending services I?ve used.
Hailey Kowalski
5/5.0
27, Oct 2024
Very reliable and straight forward
Working with PIRS Capital turned out better than I thought. Initially, I was worried the process would be drawn out or overly complicated like it usually is with business funding. But their team explained every step and gave me real numbers upfront. There weren?t any sneaky changes or last-minute add-ons, which I truly appreciate. The rep assigned to my case stayed on top of things and gave me updates without me having to chase them. It took around 3-4 business days from application to approval. I also liked that the documents were easy to understand, without too much legal jargon. One hiccup?there was a duplicate email sent about a document I already submitted, but that was quickly resolved with a phone call. Funds arrived as promised and everything went according to what they said. Would definitely use them again if I ever need a quick working capital boost.
Scott Nkosi
3/5.0
11, Oct 2024
Rep was nice but not effective
This review isn?t meant to bash anyone personally, but I expected more from PIRS based on how they present themselves online. The rep I worked with was friendly, even pleasant, but clearly overwhelmed or undertrained. They didn?t have answers to some pretty basic questions about early payoff, penalties, and scheduling. I was told they?d get back to me ?later that afternoon,? but that turned into two days. When I did receive the information, it was vague and didn?t really help. I felt like I had to do all the work to stay informed. I did complete the loan, and the funding itself went smoothly. But the process leading up to that was full of gaps. It?s disappointing because it seemed like a company that prided itself on transparency. Maybe I just got unlucky with the person assigned to me, but I won?t be returning unless the service improves significantly.
Asher Majumdar
4/5.0
03, Oct 2024
Okay experience overall
The process had a few bumps, but got the funds in the end. Some documents were requested multiple times, which was a bit annoying. That said, the rep stayed professional and did their best to keep things moving. Interface is simple to use.
Alexa Johnson
2/5.0
30, Sep 2024
Misaligned expectations
Their website made the process sound simple and fast. It wasn?t. Approval took longer than advertised, and their communication was minimal. I kept checking the portal, which didn?t show any updates until I called. The loan finally came through, but the experience left a bad taste. Not sure I?d do this again.
Leo Dhawan
5/5.0
25, Sep 2024
Not bad at all
Process was fairly standard. Uploading documents went smoothly. They didn?t hound me with calls, which is a plus. Could improve the dashboard layout, but nothing major. The team was respectful throughout.
Kennedy Jackson
4/5.0
11, Sep 2024
Helpful service with a few minor hiccups
Overall, I?d say PIRS Capital provided a good service. I was looking for working capital to manage some short-term obligations, and they got the funds to me in about five business days. There were a couple of minor hiccups?like a delay in document verification and one phone appointment that had to be rescheduled?but nothing major. The reps I spoke with were polite, knowledgeable, and didn?t try to push anything I didn?t need. One thing I?d suggest is improving the mobile responsiveness of their portal?it felt a bit clunky when I tried accessing it from my phone. Other than that, everything felt secure, clear, and honest. I particularly liked the follow-up after the funding; they checked in without being intrusive. In this space, it?s rare to deal with a lender that respects your time and decisions. Would likely return to them if I need another round of capital.
Naomi Wong
1/5.0
06, Sep 2024
Didn?t meet expectations
I had high hopes after reading reviews, but this wasn?t what I expected. Poor communication, delays, and confusing steps made me reconsider borrowing from them again.
Allison Chen
2/5.0
25, Aug 2024
Errors in contract
I was surprised to see errors in the contract?wrong repayment start date and incorrect business name spelling. That doesn?t inspire confidence. They corrected it after I pointed it out, but it took another day. Not a good look. I funded the deal, but with hesitation.
Sylvie Weber
3/5.0
19, Aug 2024
Took effort but it worked
I had to put in more effort than expected. Calling multiple times, resending docs... but at least they responded politely. Eventually, things worked out.
Reid Davies
2/5.0
13, Aug 2024
Lots of waiting
Every step felt like a waiting game. Submit one thing, wait days. Then repeat. The team was nice, but the process didn?t reflect the efficiency they claim.
Iris Rodriguez
5/5.0
02, Aug 2024
Professional and efficient experience
From the first call to the last email, PIRS Capital was on top of everything. I had applied with other lenders at the same time, but they either gave me vague offers or kept changing things last minute. With PIRS, what they told me upfront is what I got in the final agreement. My business needed fast access to funds due to a surprise vendor contract, and they helped me secure what I needed without putting me through hoops. The documents were clearly laid out. The rep even called twice to confirm I understood the daily repayment terms. Their attention to detail is what really stood out. One thing I?d suggest?they could send automated status updates via text, because I had to rely on email only. Still, the service was clear, timely, and respectful. Money hit my account in three days, and the experience left me with a strong sense of trust.
Jasmine Chen
3/5.0
26, Jul 2024
Took some patience but got results
This was not the fastest process I?ve been through, but it did work out in the end. PIRS Capital responded within 24 hours of my initial inquiry, which was a good sign. However, the document verification and approval process dragged longer than expected?nearly a week. I had to send one form three times because of a file format issue, which was frustrating. On the plus side, the team stayed polite and helpful the whole time. They kept reassuring me that everything was moving, and in fairness, they weren?t making excuses. Once I got approved, the funds were deposited the next day. The contract was simple to read and repayment terms were manageable. Just be ready to stay on top of your emails and calls. Overall, not bad if you?re not in a super rush. They definitely come through?you just might need to give them a little more time than expected.
Selena Baker
3/5.0
09, Jul 2024
Some good, mostly frustrating
I want to be fair here?PIRS Capital did fund my loan, and the final terms weren?t terrible. But the road to getting there wasn?t easy. After submitting my application, there was a lot of back-and-forth. I was told someone would reach out within 24 hours, but I didn?t hear anything until almost 72 hours later. When I did get a call, the rep seemed rushed and didn?t explain the process well. I had to follow up constantly just to figure out where I stood. The contract had a few errors in it?like the wrong company name?which didn?t give me much confidence. Eventually they corrected everything, and I got the funds, but by then I was already second-guessing the decision. I wish they had been more consistent with updates and clearer with their communications. Not the worst lender I?ve dealt with, but definitely far from the best.
Felix Jha
4/5.0
02, Jul 2024
Worth a look
Funding timeline wasn?t the fastest but their transparency stood out. You get clear documents, straight talk, and a sense that they care about keeping it legit.
Mason Malik
3/5.0
24, Jun 2024
Felt a bit disorganized
The person I spoke to seemed unsure of the process. Some of the instructions I got via email didn?t match what was said on the phone. Not the smoothest experience.
Emmett Chhabra
5/5.0
18, Jun 2024
Felt respected throughout
It?s rare to feel like a company listens to you. These guys did. Even when there were delays, they explained what was going on. Felt like I mattered, which counts a lot.
Adriana Costa
2/5.0
12, Jun 2024
Delays cost me a key order
I needed funding to complete a purchase order and was assured this would be done in 3 days. It took nearly 8. Because of that, I missed the deadline and lost the client. Their team didn?t take responsibility and said ?it happens sometimes.? That?s not acceptable when you're dealing with business-critical timelines. I won?t be trying again.
Derek Campbell
5/5.0
04, Jun 2024
Better than expected
Honestly wasn?t sure what to expect, but PIRS surprised me. Their service team walked me through each step, and they were always willing to explain things twice if I didn?t get it the first time. The approval came in quicker than other lenders I tried. Felt like a customer, not a number.
Abigail Sanchez
2/5.0
27, May 2024
Rushed decision-making on their end
They pushed me to make decisions fast, even though they were slow with their own process. The rep called late in the evening with a contract that had errors in the amounts and dates. When I asked for time to review, I felt pressured. Not how I want to handle business financing. I declined and went with a competitor.
Eleanor Weber
5/5.0
21, May 2024
Pretty decent lender
I worked with other lenders in the past, and PIRS Capital did better in some ways. They laid out the terms clearly. It?s just that it took a bit longer to finalize than expected. Funding amount matched our request.
Lincoln Taylor
2/5.0
15, May 2024
Communication needs work
I had to follow up several times just to get basic updates. The rep was polite, but there was a lack of urgency. Process took longer than expected and no one called when delays happened. Felt like I was always chasing them.
Oscar Khanna
4/5.0
09, May 2024
Straightforward and decent
Overall, the experience was decent. They laid out what to expect in advance, and the funding came through in about 4 business days. There were a couple of points that weren?t clear in the portal, but I called and got help right away. Their rep was respectful, patient, and didn?t try to rush me into a decision.
Rhett Gupta
2/5.0
28, Apr 2024
Confusing platform
Their dashboard could use a redesign. It?s not user-friendly, and I kept having to email support just to figure out what step I was on.
Aurora Jensen
4/5.0
14, Apr 2024
Communicative and decent
Their team stayed in touch and provided clear updates. Minor confusion with one document, but it got resolved quickly. No complaints with the rate offered. They were professional and not pushy, which I liked.
Gwyneth Ndlovu
5/5.0
01, Apr 2024
Very supportive staff
I wasn?t very familiar with the process, and the folks at PIRS took time to explain each step. Never felt pressured or misled. When a minor income mismatch popped up, they worked with me to clear it fast. Appreciate how stress-free they made it feel. Everything was done in a respectful and timely way.
Myles Rao
1/5.0
15, Mar 2024
Lack of professionalism
The rep mispronounced my name every time and seemed distracted during calls. While small, it made the experience feel careless. Didn?t leave a good impression.
August Sundaram
4/5.0
05, Mar 2024
Not flashy, but good
Nothing fancy in their setup, but the people make the difference. Got a fair deal, and they didn?t pressure me to sign. More automation would help.
Layla Kim
2/5.0
26, Feb 2024
Confusing repayment terms
I was confused by how the daily repayments would be structured. No one really explained the real cost until the last step. I went ahead anyway, but I wish they had been clearer sooner.
Sydney King
3/5.0
15, Feb 2024
Not bad, but could?ve been better
The funding itself worked, but I had to wait too long. It took over a week, and no one kept me updated unless I asked. A smoother experience would?ve made a big difference. The terms were reasonable, and they did fix a couple of small errors when I asked, but overall it didn?t feel like they were organized or proactive.
Beatrice Schmidt
5/5.0
08, Feb 2024
Nice staff and quick help
Spoke with two different reps over a week. Both were courteous and patient with my questions. I had some concern about repayment terms and early payoff options?they walked me through everything clearly. Got funding within a few days. No tricks or last-minute surprises. Honestly, one of the smoother financing experiences I?ve had.
Clara Silva
4/5.0
29, Jan 2024
Delivered as promised
They said what they?d do and did what they said. Simple interface, but I had to double-check a few things that weren?t explained clearly. Still, I didn?t feel pressured and they answered all my calls. Worth considering.
Kinsley Fitzgerald
3/5.0
20, Jan 2024
Took some time but got there
My experience with PIRS Capital was mostly positive, though it required some patience. The application was simple enough, but I hit a few snags during document verification. The team needed extra clarification on some old bank deposits, which caused a delay of about two days. That said, they were communicative and explained what was missing. I appreciated that they didn?t rush me to complete everything. I had a few questions about prepayment, and the rep walked me through it clearly. The funds came through as promised once everything was finalized. I wouldn?t call the process fast, but it was steady and consistent. The dashboard could use some UX improvement?it was a little tricky to find updates without digging through emails. But they followed through and stayed in touch. Not the fastest lender, but not a bad one either. Would give them another chance if the need arises again.
Piper Sanchez
1/5.0
12, Jan 2024
Felt like a hassle
I expected a streamlined process but got repeated delays. They kept requesting the same info even after I?d uploaded it. Eventually got funded, but it was a headache.
Isla Moreau
4/5.0
05, Jan 2024
Honest and consistent
They didn?t overpromise. What they said is what happened. Could?ve used more communication between departments, but overall the service felt sincere and consistent.
Hugo Luthra
3/5.0
28, Dec 2023
Took a bit longer
My only gripe is that the process dragged on more than I was told. They said 48 hours, but it was more like 5 days before I saw the funds. The staff were polite, though, and explained delays when I asked. Still, I expected quicker action. Would still consider them again based on fair terms.
Aaron Davies
1/5.0
20, Dec 2023
Felt like I was chasing them
Applied with everything ready. They said 48?72 hours for processing. Took almost 6 days, and only after I sent three emails and called twice. Communication was weak, and each person I talked to gave a different answer. I eventually dropped the application because the trust just wasn?t there anymore. Can?t recommend a place where you have to do all the chasing.
Willow Mancini
5/5.0
10, Dec 2023
Smooth once started
Initial hiccups delayed the process by a day or two, but after that, things moved quickly. They gave me fair terms and stayed in contact. Slight confusion on document names, but otherwise solid.
Leo Wagner
1/5.0
04, Dec 2023
Too many requests
I understand needing documents, but it felt excessive. Every time I thought we were done, they asked for something else. Process dragged far longer than necessary.
Jeremy Chopra
5/5.0
29, Nov 2023
Best lending service I?ve dealt with
I?ve worked with several funding companies over the years, and PIRS Capital genuinely stood out from the rest. First off, they didn?t flood me with calls after my inquiry. Their approach was calm, informative, and professional. My account manager gave me options, explained the terms, and let me decide without pressure. That alone deserves a mention. Submitting my bank statements and financials was easy through the portal. Everything was kept confidential and secure. Within 72 hours, the loan was approved, and the money was in my business account the next morning. What impressed me most was how they explained the repayment plan without sugarcoating anything. They even offered tips on how to manage the loan better. It?s rare to feel like a lender wants you to succeed, not just take your money. If they maintain this level of service, I?ll definitely be coming back again. Solid, trustworthy company.
June Silva
3/5.0
14, Nov 2023
Okay but not fast
It was slower than I hoped. Took over a week to finalize. At least the loan officer was always polite and did answer all my questions without rushing me.
Riley Miller
2/5.0
08, Nov 2023
Dragged out and not responsive
I applied with PIRS Capital after reading a few decent reviews online. Unfortunately, my experience didn?t match what I expected. After submitting everything they requested, I waited three days before hearing anything. I reached out twice?only to get vague responses about ?internal delays.? When I finally got a callback, the rep didn?t seem very familiar with my file and had to ?check with underwriting? multiple times. This slowed things even more. I eventually got funded, but the overall process took nearly two weeks, which was far longer than the 48-72 hours they originally stated. I understand delays happen, but the lack of clear communication made it hard to trust what they were saying. If your funding is time-sensitive, you might want to explore other options. The only upside was that the final agreement didn?t have surprise charges. But still, the lack of responsiveness really ruined the whole experience for me.
Milo Biswas
4/5.0
18, Oct 2023
Mostly smooth ride
Used PIRS for working capital. Submitting financials took less than 30 minutes, and they followed up soon after. A few documents had to be revised, but the rep stayed helpful through it all. One thing I?d improve is the interface?it feels a little dated. Otherwise, their service was consistent and respectful throughout.
Landon Reddy
4/5.0
04, Oct 2023
Trustworthy lender with fair terms
What made me stick with PIRS Capital was how honest they were throughout the process. I had tried working with two other companies, and both of them tried to sneak in hidden fees. PIRS told me upfront about every cost and repayment detail. They even broke down how daily deductions would affect my balance over time, which helped me budget better. I was worried about missing paperwork causing delays, but they worked with me step-by-step. There were some delays due to their underwriting team needing a tax return I hadn?t updated, but once that was sorted, funds came the next day. Their people stayed courteous and professional the whole time. The online portal worked okay, although it did log me out a few times while uploading files. Still, they earned my trust and didn?t change any terms last minute. That says a lot in this industry. A good experience overall.
Violet Rossi
5/5.0
27, Sep 2023
Reasonably fast, helpful team
The rep I worked with was courteous and helpful. There were some minor delays early on, but once the ball got rolling, things moved smoother. I like how clear they were with the repayment terms. Still, some steps could be faster.
Hayden Iyer
4/5.0
21, Sep 2023
Steady and helpful, not flashy
My interaction with PIRS Capital was pretty steady throughout. They don?t have the slickest website or the most modern-looking interface, but the people behind the scenes are what really made this work. I applied for short-term funding to help with some seasonal overhead and got a response fairly quickly. There were some back-and-forths while verifying documents, but nothing out of the ordinary. I liked that they didn?t oversell themselves?they gave me honest timelines, fair repayment details, and didn?t rush me to sign. The funding came through in under a week. I did run into one small tech issue when uploading a bank statement, but their support team handled it quickly by email. There?s definitely room to polish their customer dashboard, maybe even add an app, but the overall service itself felt sincere and customer-oriented. Definitely a positive experience, and I?d recommend to other business owners needing short-term capital.
Rowan Schmidt
1/5.0
13, Sep 2023
Never heard back
I applied, submitted all the docs, then silence. Waited 10 days before finally moving on to another lender. Can?t recommend based on that.
Maisie Sowah
3/5.0
02, Sep 2023
Not bad, could be faster
I needed funding for a small expansion, and found PIRS Capital online. The initial call was informative and to the point. Submitting documents was easy, but I had to follow up twice to get a status update. In the end, everything worked out, but communication could improve. Still, they honored the rate and got me funded.
Maeve Gallagher
2/5.0
22, Aug 2023
Not ideal for urgent needs
They advertise fast funding, but I didn?t receive mine until 6 days later. If you're in a rush, this might not be your best bet.
Penelope Sowah
4/5.0
14, Aug 2023
They tried to help
I had some specific needs, and while they couldn?t fulfill everything, they really tried. I respect that. They followed up, clarified terms and didn?t push anything. Their transparency builds trust.
Georgia Lee
5/5.0
09, Aug 2023
Great communication
From the first inquiry to final funding, their team was attentive and responsive. I didn?t feel lost at any point, which is rare. They answered every email and followed up with courtesy calls. It felt personal. The funds arrived on time, and everything in the contract was exactly as discussed. A solid experience from start to finish.
Summer Hall
2/5.0
05, Aug 2023
Too many follow-ups needed
The process dragged because I had to keep following up. Every time I called or emailed, I felt like I was reminding them I existed. The rep was polite but slow to respond. I sent the requested documents, and then... silence. When I finally got the approval, the terms were slightly higher than discussed. They blamed it on underwriting changes, but it still felt shady. I had already waited over a week, so I took the offer, but next time I?d rather deal with someone more responsive and organized.
Finnigan Moreau
4/5.0
28, Jul 2023
Slightly clunky portal, good support
The online system for uploading docs isn?t perfect, but the team behind it is what makes the experience better. They reached out personally to help when I got stuck, and followed up on their own. No issues with the contract or payment setup. Would?ve liked an app or a smoother dashboard, but it worked fine in the end.
Aidan Gupta
1/5.0
21, Jul 2023
Process too slow and clunky
Even after submitting every required document, they took too long. I had to resend things that got ?lost,? and each rep gave a different explanation. Finally, the quote I received didn?t match my initial conversation. When I pointed this out, they adjusted it slightly, but by then I had already lost confidence. I canceled the deal.
Lucy Diallo
3/5.0
16, Jul 2023
Worked out eventually
It took more follow-up than I expected. A few steps felt redundant. The customer support rep was kind but seemed stretched thin. Got funded at the end, but I'd suggest tightening the coordination between teams.
Sawyer Ganesan
5/5.0
09, Jul 2023
Simple process, kind people
Took about 3 days to get everything done. The rep was helpful and always reachable. They gave me the info I needed without fluff. Felt like working with someone I could trust.
Quinn Kumar
2/5.0
03, Jul 2023
Unclear fee structure
At first, it seemed transparent, but by the time I received the final terms, there were additional charges I wasn?t told about. Not dishonest, but definitely not clear.
Roman Rossi
2/5.0
30, Jun 2023
Not the smooth experience I was told about
Based on their website and some of the positive reviews, I expected a fast and easy loan process. Unfortunately, my experience didn?t reflect that. From the start, things were a bit disorganized. The portal wouldn?t accept one of my uploaded files and I had to resend it twice via email. The representative handling my case was friendly but hard to reach. Several of my questions went unanswered until I called back multiple times. When I finally received the loan terms, they were slightly different from what I had been quoted over the phone. Not enough to walk away, but enough to be disappointed. I did end up moving forward, but the overall experience felt clunky. The one positive thing I can say is that the loan funded eventually. Still, it wasn?t the seamless, professional process they promote. I hope they work on improving communication and streamlining their workflow.
Freya Jensen
5/5.0
25, Jun 2023
They get it done
PIRS Capital handled my funding needs with professionalism. The process wasn?t overly complex, and once I submitted all docs, it went smoother than expected. The rep stayed in touch without being pushy. I had a few minor concerns about repayment terms, but they were quick to clear things up. Appreciated the honesty and speed. Would likely return again if needed.
Logan Bhatt
1/5.0
20, Jun 2023
Poor follow-up
After submitting my application, I didn?t hear back for nearly a week. Only got a reply after sending multiple emails. They said they were busy, but that?s not an excuse when time-sensitive funding is involved.
Milo Mehra
3/5.0
12, Jun 2023
Acceptable service, not perfect
Not the fastest funding I've seen, but they were transparent about expectations. It took a little pushing on my end to get updates. Staff are respectful and listen. Not exactly a wow experience, but they got the job done.
Jeffrey Agarwal
5/5.0
06, Jun 2023
Went above expectations
I rarely write reviews, but I felt like I needed to highlight my experience with PIRS Capital. Not only did they provide funding when other companies either delayed or denied, but they also took the time to understand my specific business needs. The rep didn?t rush the call and asked thoughtful questions about my monthly revenue and future plans. That really impressed me. He even helped adjust the repayment schedule to match my lower income months. Their team emailed me reminders without being overbearing and always responded quickly when I needed to send extra documents. I had a bit of trouble uploading one tax return, but they accepted it by email, no hassle. It?s rare to find a company that?s both professional and flexible these days. I?ve already referred them to two of my fellow business owners. If you?re looking for transparency and efficiency, PIRS Capital is worth considering.
Harrison Gupta
3/5.0
31, May 2023
Okay for small funding needs
My goal was to get a small loan to bridge a cash flow gap. They approved it after reviewing a few statements and reports. Took slightly longer than I hoped, but they stayed communicative. I didn?t like that the portal glitched once during document upload, but they helped fix it quickly. Overall it?s a decent option.
Finn Bhatia
5/5.0
23, May 2023
Professional, but could be faster
Experience was mostly smooth. Took about 4 days to get final approval. Communication was clear, although they could?ve followed up without me calling twice. Happy with the service overall and would consider using them again.
Nolan Patel
3/5.0
15, May 2023
Needs better technology
The website portal logged me out several times, and file uploads kept failing. Support helped eventually, but it made the whole thing more stressful than it needed to be.
Josie Pavlov
4/5.0
11, May 2023
Some delays, but fair terms
Was expecting funds faster, but there was a delay with underwriting. They were apologetic and kept me informed. Rate was in line with what they initially showed. Still a decent experience overall.
Otis Kapur
4/5.0
07, May 2023
Some gaps, still solid
Felt like the portal could use improvements. However, the human side of the team made up for it. Calls and emails were handled properly and they kept their word.
Alia Rossi
3/5.0
03, May 2023
Took effort but got done
Honestly, I wouldn?t say the process was easy. I had to follow up many times and even resend files more than once. But they did eventually fund me, and the terms were what I expected. If they streamlined their workflow and responded faster, I?d consider using them again. Right now, it?s a maybe.
Sadie Schmidt
4/5.0
25, Apr 2023
Did what was promised
They explained the terms clearly and I got the loan within a few days. No unnecessary calls. The contract was clear and easy to understand. Would just prefer more detailed updates through the portal.
Sierra White
2/5.0
22, Apr 2023
So-so experience with multiple errors
While I did end up getting a loan from PIRS, it wasn't without a lot of effort and frustration. The customer support team was polite but kept asking for the same documents over and over. I submitted my financial statements three times. It felt like they weren?t keeping proper track. Then I noticed a small error in the repayment schedule, which they corrected, but only after I pointed it out. The portal was also glitchy?it logged me out twice and didn?t update my status until I called in. Overall, it just didn?t feel like a professional, streamlined experience. The interest rate was competitive, and I appreciate that they didn?t change any major terms at the last second. But everything else made the process feel scattered. I don?t think I?d go through it again unless I saw major improvements. Communication and process management need serious attention on their part.
Audrey Rossi
3/5.0
18, Apr 2023
Some bumps, not deal-breaking
Few miscommunications made things longer than needed. I wasn?t thrilled but not angry either. They were willing to fix things and stayed calm during calls.
Nora Moreau
3/5.0
15, Apr 2023
Funding done, but room to grow
PIRS Capital came through with the funding, though the process wasn?t lightning fast. A few email delays slowed things down, but eventually it all got sorted. They were polite and explained terms well. Could use better follow-up though after funding was completed.
Jordan Menon
5/5.0
08, Apr 2023
Clear process, quick response
Applying with PIRS Capital was a smooth process. I liked that everything was laid out clearly from the beginning. They weren?t the first lender I contacted, but they were the most upfront. Their team asked the right questions about my business and didn?t pressure me into a decision. Approval took about three business days, and the funds were transferred soon after. There was one small glitch with the portal login?it wouldn?t let me reset my password, but their support fixed it in less than an hour. I also appreciated how they broke down the daily repayment schedule with examples so I could understand exactly how it would work. Not many lenders take that extra step. Their professionalism and transparency really impressed me, especially compared to past experiences I?ve had. I?ll be keeping them on my shortlist for future capital needs. Highly professional team who actually follows through.
PIRS Capital
Since 2012, PIRS Capital has remained committed to one clear mission: combining financial expertise with personalized service to build lasting relationships with our clients and support mutual success. We know how important it is to partner with someone who not only supports and assists you but also pushes you to grow. That's why we take the time to understand your industry, your goals, and your challenges so we can deliver smart funding solutions that help bring your business vision to life.
Address
1688 Meridian Ave Ste 700
33139
Miami Beach
United States
Website
pirscapital.com
Email
customerservice@pirscapital.com
Telephone
1-888-494-4881
