Thinking Capital

Thinking Capital rates are sky rocketing

I got a call from a Thinking Capital representative. He was stubborn and was very pushy. I informed him that my business was new, and I was not in a position to pay higher rates of interest. That guy promised that he would do everything to get me the best deal. I tried to avoid the conversation and asked him to call me back after the deal is finalized.

He started calling me every other day. Sometimes, he would call at my home and other times, at my office. I was very exhausted. I was anyway looking for a loan and then decided to go with his company. However, I do not appreciate the kind of sales this company does. I later checked on the internet after I was fooled that these guys have shady sales teams. Thinking Capital careers and salaries are only for these sales pitches that the guys over the phone do.

I learned the hard way. My bad luck. Because of the continuous approach and non-ending calls, I decided to agree for the 14% withdrawal rate. I never knew that I was getting myself into a huge mess. That time, I was in need and forgot to compare other companies rate. The representative said that he would take care of every issue that I would have in between, and he shared his personal number as well. That was the masterstroke. A personal touch to trap clients into buying your services.

So, I agreed. However, it turned out to be a complete lie. That guy never answered my calls. Because of the high-interest rate, I fell back on all my taxes and other payments. Its been three years and still I am not able to get through it. The loan is soaking my money and soon I feel I will have to file for bankruptcy.

Because of the high withdrawal rate, I am now in a position that I am not able to think of extending my business. My business bills make a great dent in my everyday transactions and I am planning to close my loan at the earliest or I will lose everything. I would advise not to deal with Thinking Capital unless you know that the rates would not affect your business day to day operations.

Also, I wanted to add that this company is a totally laid back. Do not expect them to answer your calls or emails on time. They would only call until you are not a client. Thinking Capital can put you through a lot of stress by calling numerous times when you are not a client and by asking for higher interest rates when you are a client.

In any case, they are going to make sure that you lose it all. It would be better to find other options instead of allowing them to take over. It is okay to say no when you are not sure. I did accept their deal as I was tired of their calls. Don’t make the same mistake.

Is Thinking Capital a legit?

Thinking Capital is not running a legit business. They are not aggressive towards customer satisfaction and complaint grievance redressal, Hence 3 consumer[s] submitted negative ratings, and only a few left positive feedback.

Where is Thinking Capital located?

Thinking Capital is headquarted at 4200 Dorchester Blvd, Westmount, QC H3Z 1V2, Canada. You can contact Thinking Capital by dialing +1 866-889-9412 or visit their website

How much monetary loss is incurred by Thinking Capital’s customers?

According to Thinking Capital’s customers, a monetary loss of US $40000 has been reported. The severity of entire incident reports is extremely high.

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3 Reviews on Thinking Capital

  1. Big scam

    Please do yourself a favor and stay away from this. THINKING CAPITAL IS A SCAM. They sweet talk you to borrow any amount of money but the moment you have any problems making a payment even if it’s due to the recent covid 19 pandemia, they will have no heart to help you in anyway, in fact they will threat you using very aggressive tactics and will leave you penniless. I will look for a way to involve the government to help with this type of predatory companies.

  2. Not a scam

    Thinking Capital is the furthest thing from a scam it’s tech evolution and commerce injected into the uterus of that atm that squirt if you understand what I’m saying.
    It’s expensive and it’s good for businesses with high margins and business that are in it to make money. Not for business that think they are businesses but really are just manufactured consumers.

    Anyone who would say thinking capital is a scam probably would watch a child drop a captain crunch coupon at the store and put their foot over it so the child could not see it and use it for themselves and is horrible with money

    Let’s look at gas prices
    When you fill up you’re car with gas that Petro currently costs around 12 cents a gallon to make.
    We don’t pay 12 cents at the pump maybe like 161 or close to 2 dollars depending on the make or model of your automobile.
    Is that a scam ?
    Or when you pay 39.99 for you’re poly cotton slim fit chino jeans and that blazer with the elbow pads for 49.99 dreaming one day of driving a Subaru

    Is that a scam ?

    Money is a great idea and it’s not a problem it’s how it’s used.
    Better if it’s based of something but those days went away long ago when security became an issue you don’t want state installed dictators being able to have money based off one thing that’s been always worth and that’s gold.
    Deep, wet, hard, money.

    1. Avoid

      Stay away from this company. Believe me I used to work here and it is a pure scam. They teach you shady sales techniques and want you to say anything to get a sale. They treat the employees like garbage and have no morals. The “good” review on here is written from an internal manager who works there I can assure you. Stay away from this scam and save your business. Better to find another lender such as your bank.

  3. Negative
    Borrow the money from thinking capital. Paid off almost 70%.
    Presently my business needs not doing well so I called them & talk to customer service. They connect me to account management there I talk to Jennifer jones. When I explain my situation & ask her help & I agreed to pay monthly 5000 dollar but she not agreed instead scared me that we have law team& collection department will after you. I am shocked reather then helping she threatened me .
    Still I willing to pay off they debt but I want some one from customer relations from thinking capital to call me. I read reviews for this company & no wonder so many negative reviews.
    My personal advice to anyone looking for small business loan please don’t go to thinking capital. When they want your business then lots of false promises.

Reviews: 3
Reported Loss : 40000 $
Severity : Extremely High
Reported by : Anonymous
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