Overview

Founded in 2006 by Andy Reiser as Strategic Funding Source, Kapitus was built with a specific purpose: to serve small business owners who were being turned away by traditional banks. The timing proved significant. When the 2008 financial crisis tightened bank lending to near-zero for small businesses, Kapitus stayed open and funded over $118 million to more than 2,200 businesses. That origin story still shapes how the company operates today.

Today Kapitus has offices in New York, Arlington VA, and Los Angeles, with a team of over 360 employees. The company has deployed more than $10 billion in capital to over 69,000 businesses across the U.S. and has been recognized on the Inc. 5000. Its leadership team includes executives with backgrounds from Citi, GE Capital, JPMorgan, and Credit Suisse. Kapitus has also been featured in Forbes, CNN Underscored, and Fox Business.

The defining feature of the Kapitus experience is KapitusPLUS, a marketplace-style approach where one application surfaces up to six competing financing offers across different loan types, amounts, terms, and costs. Applicants can compare side by side before making any commitment. Loans may be funded by WebBank, and Kapitus is licensed in California as a Finance Lender (License No. 603-G807). The company has also partnered with Experian to help clients monitor and improve their business credit.

Pros & Cons

Features

Business Loans

Loan amounts: Up to $5,000,000

Terms: 6 to 24 months

Payment frequency: Daily, weekly, or monthly

Requirements: 2+ years in business, $250K annual revenue, 650 credit score, US-based

Lump-sum term loans funded through Kapitus directly or its financing network. Designed for established businesses that need a defined amount of capital and prefer a predictable repayment schedule.

Business Line of Credit

How it works: Revolving credit — borrow, repay, and borrow again

Available through: Kapitus financing network

Interest is charged only on the amount drawn, not the total credit limit. A more flexible option for businesses managing ongoing working capital needs, though credit limits tend to be lower than term loan amounts.

Revenue-Based Financing

Repayment: Tied to a percentage of ongoing revenue

Available through: Kapitus and/or financing network

Payments adjust with your revenue, making this a useful option for businesses with variable or seasonal cash flow. Unlike a fixed-term loan, there are no set monthly payments — repayment scales with what you earn.

Equipment Financing

Purpose: Purchase business equipment

Collateral: The equipment itself

Available through: Kapitus Equipment Finance

Lets businesses acquire necessary equipment without drawing down cash reserves. Structured with regular fixed payments, with the equipment serving as collateral.

SBA Loans

Available through: Kapitus financing network

Government-backed loans with longer terms and competitive rates. Suitable for businesses needing substantial funding, though approval typically involves a more thorough documentation and underwriting process.

Additional Products

• Invoice Factoring: advance cash against outstanding customer invoices

• Purchase Order Financing: fund large orders before customer payment arrives

• Helix Healthcare Financing: specialized product for healthcare businesses

Additional Tools

Through a partnership with Experian, Kapitus clients can access business credit monitoring and improvement tools, a practical add-on for business owners who want to strengthen their financing position over time.

Application Process

1. Start your application online at kapitus.com, or book a free consultation with a financing specialist to discuss your options first.

2. Upload required documentation: typically 3-6 months of business bank statements. The exact number depends on your state. Additional documents may include tax returns, financial statements, and business licenses.

3. A dedicated financing specialist is assigned to your file and reviews your application. Decisions can come in as little as four hours when documentation is complete.

4. If approved, receive up to six competing offers across different loan types, amounts, terms, and repayment schedules. Compare total cost of financing side by side.

5. Select your preferred offer, finalize your agreement, and receive funds in as little as one business day.

Repayment Terms

Business Loans

Fixed repayment schedule over 6 to 24 months. Frequency options are daily, weekly, or monthly, set up via automatic debit from your business bank account. No early repayment penalties apply.

Business Line of Credit

Revolving structure — make payments on the amount drawn and access funds again as needed. Interest applies only to the outstanding balance.

Revenue-Based Financing

Payments are calculated as a percentage of ongoing revenue rather than a fixed amount. This makes repayment more manageable during slower periods, though total repayment amounts will vary based on performance.

Equipment Financing

Regular fixed payments, typically structured similarly to a term loan, with the financed equipment serving as collateral throughout the repayment period.

Customer Support

Kapitus assigns a dedicated financing specialist to each applicant, providing personalized guidance through the offer comparison and selection process. Ongoing support for existing clients is available through:

• Phone: 800-780-7133 (Option 3 for customer service)

• Email: via the contact page on kapitus.com

• Online contact form for general and account inquiries

• Self-service account portal at myaccount.kapitus.com

Kapitus maintains offices in New York, Arlington VA, and Los Angeles. Support hours follow standard business hours; 24/7 availability is not listed on the site. For time-sensitive inquiries, phone contact is recommended.

Bottom Line

Kapitus is a well-established alternative lender with a genuine differentiator: the KapitusPLUS marketplace surfaces up to six competing financing offers with one application, saving business owners the time and effort of approaching multiple lenders separately. Funding can arrive in as little as one business day, there are no early repayment penalties, and the product range covers most scenarios an established small business is likely to face.

The main constraints are clear. You need at least two years in business and $250K in annual revenue to qualify, which puts Kapitus out of reach for startups and very early-stage businesses. Interest rates are not disclosed upfront, so you won't know your cost until you apply and receive offers. For businesses that clear the eligibility bar and need fast, flexible financing with room to compare options, Kapitus is a strong candidate.

Disclaimers

AI was used in the creation of this content, along with human validation and proofreading.