Kapitus has been a reliable name in alternative small business lending since 2006. Its standout feature is product breadth — six distinct financing types spanning MCAs, term loans, lines of credit, equipment financing, revenue-based financing, and SBA loans, all accessible through a single application. The KapitusPLUS process pairs every borrower with a dedicated funding advisor and matches them against Kapitus's own products plus an extended financing network if the in-house options don't fit. Best for businesses with at least 2 years of history, $250K+ in annual revenue, and 625+ credit that want a wide product menu and a human advisor to guide the decision.
Kapitus has been a reliable name in alternative small business lending since 2006. Its standout feature is product breadth — six distinct financing types spanning MCAs, term loans, lines of credit, equipment financing, revenue-based financing, and SBA loans, all accessible through a single application. The KapitusPLUS process pairs every borrower with a dedicated funding advisor and matches them against Kapitus's own products plus an extended financing network if the in-house options don't fit. Best for businesses with at least 2 years of history, $250K+ in annual revenue, and 625+ credit that want a wide product menu and a human advisor to guide the decision.
Kapitus combines product breadth, advisor support, and nearly two decades of lending experience. Here is what differentiates them in 2026.
Kapitus funding is well suited to established businesses with predictable revenue across a wide range of capital needs.
Cover payroll, rent, and day-to-day operations during slow periods or ahead of growth.
Finance machinery, vehicles, or technology with terms up to 60 months and no upfront depletion of working capital.
Open new locations, hire staff, or fund a growth initiative with a term loan or line of credit.
Bridge seasonal dips or irregular payment cycles with revenue-based financing that adjusts to your sales volume.
Convert outstanding B2B invoices to immediate capital with Kapitus’s invoice factoring product.
Fund equipment, staffing, and operations for independent medical practices through the Helix program.
All products are accessible through a single online application. A dedicated advisor guides you to the right fit.
Lump-sum working capital with 4 to 18-month terms. Same fixed cost regardless of early repayment. Requires 2+ years in business, 650+ credit, $250K annual revenue.
Advance repaid via a percentage of future card sales. Kapitus’s highest borrowing limit. Repayments flex with sales volume automatically.
Revolving credit for cash-on-demand needs. Pay interest only on the amount drawn. Requires 650+ credit, 2+ years in business, $180K annual revenue.
Advance sized to recent sales history. Repayments are fixed remittances tied to revenue. Lower monthly burden during slow periods. Requires 650+ credit.
Finance or lease business equipment with terms from 12 to 60 months. Purchase or upgrade machinery, vehicles, or technology without tapping cash reserves.
Kapitus streamlines the SBA application for qualified borrowers. Lower rates and longer terms than conventional products. Requires 650+ credit and established financials.
Complete the online application with basic business and financial information. A funding specialist contacts you promptly.
Your application is evaluated against Kapitus’s own products and the extended KapitusPLUS financing network simultaneously.
Compare your offer(s) with your dedicated advisor. Factor rates are explained clearly — no surprises at signing.
Funds are deposited into your business account within 24–72 hours of acceptance. SBA timelines are longer.
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Kapitus
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Fundivi
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Fora Financial
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OnDeck
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Credibly
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Kalamata Capital Group
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| Eligibility | ||||||
| Loan Amount | $10K – $5M | $10K – $5M | $5K – $1.5M | $5K – $400K | $5K – $600K | $5K – $2M |
| Time in Business | 12+ Months | 9+ Months | 6+ Months | 12+ Months | 6+ Months | 6+ Months |
| Monthly Revenue | $21K+ | $30K+ | $12K+ | $8,333+ | $15K+ | $10K+ |
| Min. Credit Score | 600+ | None | 500 | 625+ | 500+ | None |
| Loan Details | ||||||
| Funding Speed | 24–48 Hours | Same Day | 72 Hours | Same Day | 24 Hours | Same Day |
| Approval | — | Within 3 Hours | — | — | 4 Hours | 4 Hours |
| Rating | ||||||
| Rating | ||||||
| BBB Rating | N/A | A- | A+ | A+ | A+ | A+ |
| Apply Now | Apply | Apply | Apply | Apply | Apply | |
Kapitus is primarily a direct lender offering its own term loans, MCAs, and revenue-based financing. For SBA loans, lines of credit, and equipment financing, some products are facilitated through the KapitusPLUS partner network. Legal name: Strategic Funding Source, Inc., operating as Kapitus.
Most Kapitus products require a 625+ personal credit score with 2+ years in business and $250K+ annual revenue. Some products such as healthcare financing and invoice factoring accept lower thresholds — as low as 500–600 FICO for eligible applicants.
No. Kapitus does not permit stacking — carrying multiple business loans simultaneously from different lenders. If you currently have an active business loan with another lender, you will not qualify for Kapitus financing until it is repaid.
Term loans and MCAs use factor rates between 1.12 and 1.26. A factor rate of 1.15 on a $500,000 loan means you repay $575,000 total — a fixed cost regardless of how early you pay it off.
Most decisions arrive within 4 hours of application. Funding is typically deposited within 24–72 hours of acceptance for conventional products. SBA loans follow government processing timelines and take considerably longer.
Yes. Founded in 2006 as Strategic Funding Source, Kapitus has nearly 20 years of experience funding small businesses. It is accredited by the Better Business Bureau, has funded billions of dollars to thousands of businesses, and is recognized by Inc. 5000 as one of America’s fastest-growing companies.
Kapitus is a strong pick for established businesses that want a wide product menu, human advisor support, and fast access to capital. The KapitusPLUS process — which matches you to both Kapitus's own products and an extended lending network — means you're more likely to find the right fit than with single-product lenders. Six product types, dedicated advisors, and nearly 20 years of operation make it a dependable choice for businesses with solid revenue and credit.
It is best suited to businesses with 2+ years of history, $250K+ in annual revenue, and a 625+ credit score. If you have lower credit or shorter history, look at Credibly or Fundivi first. If you currently carry another business loan, you will not qualify due to Kapitus's no-stacking policy — pay that down before applying.
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