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Kapitus Business Loans Overview

Kapitus is a reputable direct lender that focuses on providing customized financing solutions to small and medium-sized businesses. With extensive experience in the industry, Kapitus offers a wide range of funding options, such as small business loans, lines of credit, invoice factoring, equipment financing, helix healthcare financing, SBA loans, and more. They aim to enable business growth by offering easily accessible and adaptable financial resources.

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  • Last Updated: August 29, 2023
Kapitus Business Loans

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Web Rating: -
4/5

Features

  • Loan amounts spanning from $10,000 to $7 million, accommodating various funding requirements.
  • Quick and easy online application for efficient access to capital.
  • Competitive interest rates and terms.
  • Rapid access to funds, with some loans funded within 24-72 hours of approval.
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About Kapitus

Kapitus, formerly known as Strategic Funding Source, is a trusted direct lender that offers different financing options to small and medium-sized businesses. Established in 2006 based in New York, Kapitus has become a reliable partner in the financial industry by providing innovative lending solutions that meet the specific needs of businesses looking to grow and succeed.

In early 2019, the company underwent a rebranding effort and changed its name to Kapitus to better reflect its mission and commitment to supporting businesses with strategic financial solutions. This rebranding also coincided with the introduction of new products and services, an expanded lending network, and an improved ability to meet the financing needs of businesses in various industries.

Extensive Range of Financing Options

Kapitus differentiates itself by offering a wide selection of financing options catering to modern businesses’ diverse requirements. Whether working capital loans for capitalizing on growth prospects or revenue-based financing that adjusts repayment based on business performance, Kapitus provides a complete set of financial resources. Moreover, their offerings include equipment financing, enabling businesses to obtain necessary assets without substantial upfront expenses, and flexible lines of credit that accommodate evolving financial needs.

Innovative Online Marketplace

By serving as both a direct lender and an innovative digital marketplace, Kapitus simplifies the financing process for entrepreneurs and business owners. Businesses can conveniently submit one application through an intuitive online platform, granting them access to an extensive lending partner network. This marketplace approach expedites the search for suitable financing solutions, enabling businesses to evaluate different products and make informed decisions that align with their financial goals.

Kapitus Business Loans: Details & Qualifications

Details

  • Loan Amount:- $10,000 – $7 million
  • Loan Terms:-  Up to 25 years*
  • APR Range:- Undisclosed
  • Lender Type:- Direct Lender
  • Loan Type:- Various business loan products available

Qualifications

  • Time in Business:- 1+ years/ Varies by the loan type
  • Collateral Required:- Varies by the loan type
  • State Restrictions:- Servicing all States
  • Minimum Revenue:- Varies by the loan type
  • Credit Score:- 600+/ Varies by the loan type

Be aware that loan specifics such as loan amount, terms, APR, duration in business and collateral requirements, minimum revenue criteria, and credit score requirements will vary depending on the type of loan.

Pros & Cons of Kapitus

Pros

  • Easy application
  • Quick access to funding
  • Flexible repayment options
  • Wide range of loan types and sizes
  • Personalized customer support

Cons

  • Rates and terms are unclear
  • There could be additional fees
  • Income requirements are strict
  • Strict qualification criteria
Satisfied Customers
0 +
Customer satisfaction Rate
0 /5
Trustpilot
Funded Nationwide
$ 0 BILLION+

Kapitus: Business Financing Products

Kapitus stands out as a reputable alternative lender and lending marketplace that specializes in meeting the diverse financing requirements of small and medium-sized enterprises. Their comprehensive suite of business financing options reflects their commitment to delivering flexible, affordable, and trustworthy funding solutions. Explore the various business financing products they provide for a more detailed understanding.

Small Business Loans

As a dedicated small business owner, securing accessible and affordable financing is paramount to driving your business forward. Kapitus offers Small Business Loans designed to meet your unique needs, empowering you to take charge of your business aspirations confidently. With a commitment to rapid processing, competitive rates, and flexible terms, Kapitus equips you with the financial tools you need to thrive.

Kapitus recognizes that no two businesses are alike. Their small business loans encompass short-term and long-term solutions, each tailored to address different financial requirements.

Short-Term Business Loans: 

Need quick funds to seize opportunities or navigate sudden challenges? Kapitus short-term business loans offer fast and flexible financing solutions. With a focus on immediate cash flow needs, these loans provide a rapid injection of capital, ensuring your business doesn’t miss a beat.

Long-Term Business Loans: 

Looking to make significant investments, expand operations, or acquire essential assets? Kapitus long-term business loans offer lower interest rates and extended repayment terms, providing the stability required for sustained growth. Kapitus acknowledges the importance of careful planning for long-lasting success, and their long-term loans are crafted with your future in mind.

Loan Essentials:

Loan Amount

Up to $5 million

Term

Up to 5 Years

APR Range

Undisclosed

Funding Time

Up to 3 business days

Why Choose Kapitus for Small Business Loans?

Diverse Loan Options: Find the perfect fit for your business with short-term and long-term loan options.

Tailored Solutions: Receive financing customized to your unique needs and goals.

Speedy Process: Get approved in as little as four hours and funds within 24 to 48 hours of approval.

Competitive Rates: Enjoy competitive interest rates for cost-effective borrowing.

Flexible Repayment: Repayment terms that match your cash flow patterns.

Expert Guidance: Experienced Financing Specialists guide you through the process.

Proven Partner: With a solid track record, Kapitus supports businesses across sectors.

Small Business Loans: Qualification

  • 625+ credit score
  • 2+ years in business
  • $250K minimum annual revenue

Documentation

  • Three months' most recent bank statements
  • Basic info about your business
  • Government-issued photo ID (e.g., driver's license)

Equipment Financing

Kapitus offers equipment financing solutions that enable businesses to acquire necessary equipment without depleting cash reserves or tapping into resources for capital purchase. Offering competitive rates, an easy application process, and flexible terms – Kapitus equipment financing allows your business to expand more effectively with quality equipment!

Kapitus Equipment Financing provides your business with everything it needs to succeed, whether you operate in construction, healthcare, or another field. Upgrade your equipment without worrying about capital depletion.

Applying for Kapitus equipment financing is quick and straightforward. Complete the online application, attach vendor invoices, and you’re good to go. Their experts will walk you through every step of the way while creating a plan tailored to meet your business needs.

Loan Essentials:

Loan Amount

Up to $150,000

Term

Up to 5 Years

APR Range

Undisclosed

Funding Time

24 to 48 hours

Why Kapitus is the Ideal Choice for Equipment Financing?

Effortless Process: Streamlined application takes 5-10 minutes, putting you on the fast track.

Swift Access to Funds: Access funds in just 24 hours to secure essential equipment swiftly.

Flexible Terms: Kapitus offers up to 60 months of repayment terms to match your business rhythm.

Accessible Qualifications: With a credit score of 675+ and a 3-year business history, Kapitus welcomes you.

Credit Growth: Timely payments strengthen your credit profile, putting your business on a stronger financial track.

Tax Benefits: Leased or financed equipment could be eligible for the Section 179 Tax Deduction, adding value to your investment.

Diverse Sectors: Kapitus equipment financing isn’t limited to specific industries. From medical practices to construction, they cater to various business sectors.

Equipment Financing: Qualification

  • 675+ credit score/ 3+ years in business
  • 775+ credit score/ 1+ years in business

Documentation

  • Equipment invoice

Helix® Healthcare Financing

Kapitus Helix Healthcare Financing has been explicitly designed to address the unique financial requirements of healthcare practitioners and providers. Recognizing the uniqueness of the healthcare sector, Kapitus provides seamless financing solutions to satisfy both short-term and long-term goals.

Kapitus Helix Healthcare Financing is a reliable funding source for urgent medical expenses. This involves acquiring medical equipment, expanding facilities, and addressing an array of operating expenditures essential for sustained growth.

Loan Products: Kapitus Helix Healthcare Financing extends a variety of specialized loan products perfectly aligned with the healthcare landscape:

Medical Practice Loans

Medical loans are intended for healthcare providers such as doctors, dentists, and chiropractors; these loans facilitate equipment upgrades, practice expansions, and other financial necessities.

Healthcare Working Capital Loans

These loans are a form of short-term financing to address immediate cash flow needs. Healthcare providers can utilize them to cover essentials like payroll and bills efficiently.

Medical Equipment Financing

Healthcare providers can obtain these loans to acquire medical equipment. This financing facilitates the smooth integration of technology, from cutting-edge X-ray machines to advanced medical imaging technology.

Loan Essentials:

Loan Amount

$10,000 – $1 Million

Term

Up to 10 Years

APR Range

Undisclosed

Funding Time

Up to 3 business days

Why Choose Kapitus Helix Healthcare Financing?

Tailored to Healthcare: Tailored solutions for healthcare providers’ distinct financial needs.

Comprehensive Options: Diverse financing choices across medical fields.

Swift Access: Rapid access to funds with quick approval, ideal for the healthcare sector’s fast pace.

Adaptive Financing: Meets immediate demands and fuels long-term growth.

Healthcare Expertise: Expertise in healthcare financing and navigating complex requirements.

Effortless Application: Simplified process for acquiring funds efficiently.

Helix Healthcare Financing: Qualification

  • 625+ credit score
  • 6 months+ in practice
  • Average annual revenue of $250,000
  • Hold a valid healthcare/medical practitioner license.

Documentation

  • Last 3 months bank statements
  • Valid Government-issued ID

Invoice Factoring

Kapitus Invoice Factoring offers a strategic solution to transform outstanding invoices into immediate working capital, serving the needs of businesses aiming for financial adaptability. With factoring lines spanning from $200K to $7 Million, Kapitus empowers businesses to bridge gaps in cash flow effectively.

Loan Essentials:

Loan Amount

$200,000 to $7 million

Term

Flexible

APR Range

Factor rate as low as 1.5%

Funding Time

1 to 2 weeks

Why Choose Kapitus for Invoice Factoring?

Swift Working Capital: Kapitus accelerates your cash flow by transforming outstanding invoices into immediate funds, providing flexibility for essential business operations.

Tailored Approaches: Experience personalized solutions with factoring lines ranging from $200K to $7 Million, aligning perfectly with your business needs.

Efficient Process: With a hassle-free 5-minute application and approval within 24 hours, Kapitus ensures timely access to vital funds.

Debt-Free Capital: Utilize working capital without burdening your balance sheet with obligations; this solution doesn’t create liabilities.

Flexibility in Terms: Without the constraints of long-term commitments, you can select invoices for factoring and their timing.

Invoice Factoring: Qualification

  • Your commercial clients credit must be in good standing

Documentation

  • Accounts receivable/payable report
  • Incorporation/partnership details
  • Tax returns
  • Financial statements
  • Additional documentation might be requested during the underwriting process

Ready to Apply? Check If You Qualify!

Visit Kapitus

Revenue-Based Financing

Discover a dynamic financing solution with Kapitus Revenue-Based Financing, designed for businesses seeking rapid, flexible access to working capital. Unlike traditional loans, which solely depend on credit scores and assets, Revenue-Based Financing revolves around your business’s sales performance.

This unique financing approach involves receiving funds based on projected future sales revenue, freeing you from sole reliance on credit ratings or collateral. Under this arrangement, Kapitus would provide an upfront lump sum in exchange for a portion of your upcoming sales. Repayment follows a fixed percentage tied to your daily or monthly sales, promoting financial flexibility in your operations.

Loan Essentials:

Loan Amount

Up to $500,000

Term

Up to 2 years

APR Range

Undisclosed

Funding Time

24 to 48 hours

Why Choose Kapitus for Revenue-Based Financing?

No Loan Burden: Unlike traditional loans, Revenue-Based Financing doesn’t create debt or impact your balance sheet liabilities.

Swift Capital Access: Experience speedy approvals and access funds within 24 hours for emergency financial needs.

Customized Terms: Enjoy terms tailored to your business needs, ensuring a financial structure that aligns with your goals.

Holistic Evaluation: Your credit score takes a back seat. Revenue-Based Financing focuses on your business’s overall stability and performance.

Industry Inclusion: Various industries often overlooked by traditional lenders find suitable financial support in revenue-based financing.

Minimal Documentation: A streamlined underwriting process demands minimal documentation, often just three months of bank statements.

Revenue-Based Financing: Qualification

  • 575+ Credit Score
  • 1 year in business
  • Minimum of $10,000 in monthly sales

Documentation

  • Past 3 months bank statements
  • Government-issued ID

SBA Loans

Kapitus facilitates SBA loans, benefiting from partial backing by the Small Business Administration (SBA). SBA regulations impose specific guidelines on lenders, leading to reduced rates compared to other financing options. SBA loans are tailored to aid small business growth and development. Collaborating with SBA-approved lenders, Kapitus offers a range of SBA loan products, such as 7(a) and Express Loans, 504 loans, and microloans.

With lower interest rates and extended repayment periods than conventional business loans, SBA loans stand out as a cost-effective financing solution. Kapitus streamlines the SBA loan process for small businesses, enabling them to secure funding for their objectives, whether it involves business expansion, equipment acquisition, or debt repayment.

Loan Essentials:

Loan Amount

Up to $5 million

Term

Up to 25 years

APR Range

As low as 6.25%

Funding Time

3 weeks to 3 months

Why Choose Kapitus for SBA Loans?

Expertise in SBA Financing: Kapitus’s in-depth knowledge of the SBA loan landscape ensures you receive accurate guidance and optimal financing solutions.

Multiple Loan Options: Access a range of SBA loan products through partnerships with SBA-approved lenders, including 7(a), Express Loans, 504 loans, and microloans, all tailored to your specific needs.

Effortless Process: Experience a simplified application journey, saving time and effort while receiving step-by-step assistance.

Favorable Rates and Terms: Enjoy lower interest rates and extended repayment periods, making SBA loans a cost-effective and manageable financing choice.

Trusted Collaborations: Partnerships with SBA-approved lenders ensure a reliable and secure financing venture for your business.

Guidance Throughout: Benefit from personalized support by Kapitus financing experts, helping you choose the ideal SBA loan and navigate the application process successfully.

SBA Loans: Qualification

  • 685+ Credit Score
  • 2+ years in business
  • $250k minimum average annual revenue

Documentation

  • Personal background and financial statements
  • Ownership and Affiliations
  • Business Certificate/License
  • Income tax returns

Kapitus Business Loans

3 steps easy process!

1

Apply Online

Complete Kapitus’ online application form, a brief process that typically takes 5 minutes for most lending products. Upon completion, connect with a financing specialist to discuss your needs.

2

Submit Documentation

The required documentation may vary depending on your chosen loan product. During the application process, you can easily upload the necessary documents. Alternatively, you can consult with financing experts for guidance on alternative methods.

3

Approval & Funding

Receive an approval decision for certain loan types within approximately four hours. However, SBA loans may take longer, often a few weeks. Once approved, Kapitus strives to fund most loan products within 24-72 hours, ensuring quick access to the funds you need.

Kapitus Application & Documentation

Kapitus does not explicitly outline the documents needed for its various business financing products. However, the required documentation can vary based on factors like the loan type, amount, and your business situation. While the exact list may differ, here are some standard documents that are often requested during the application process:

Application Form:

Complete the online application form provided by Kapitus. This form collects basic information about your business, financial needs, and contact details.

Personal Identification:

Government-issued photo ID (e.g., driver’s license, passport) for all business owners or key stakeholders.

Business Documentation:

• Legal business entity documents (e.g., articles of incorporation, partnership agreement, LLC operating agreement) to verify the legal structure of your business.

• Employer Identification Number (EIN) or Tax Identification Number (TIN) for your business.

Financial Statements:

• Bank statements: Most recent business bank statements to demonstrate your cash flow and financial stability.

• Profit and loss (P&L) statement: Report that summarizes your revenue, expenses, and profits over a specific period.

• Balance sheet: A snapshot of your business’s financial position, showing assets, liabilities, and equity.

Business Plan (optional):

While not always required, a well-prepared business plan can demonstrate your business’s goals, strategies, and how the loan will be used.

Tax Returns:

• Business tax returns: Copies of your business’s most recent tax returns (typically for the past two years).

• Personal tax returns: Individual tax returns for all business owners or key stakeholders may also be requested.

Use of Funds Explanation:

Clearly outline how you plan to use the funds from the loan. This could include equipment purchases, inventory, marketing, expansion, or other business-related expenses.

Collateral documentation (if applicable):

If your loan requires collateral, you may need to provide documentation related to the assets you’re using as collateral.

Legal and Regulatory Documents:

Depending on your industry and location, you may need to provide specific licenses, permits, or certifications.

Additional Information:

Depending on your business and the loan type, Kapitus may request additional information to assess your eligibility and loan terms.

Can I trust Kapitus? Is it a legitimate company?

Kapitus is a legitimate company that offers business financing solutions to small and medium-sized businesses. With an extensive track record spanning several years, they have firmly established themselves as a reputable player in the business financing industry. Kapitus offers an array of financing solutions, including small business loans, lines of credit, invoice factoring, and more – all designed to address the unique financial requirements of businesses.

Their impressive 4.7-star rating on Trustpilot and 4.6-star rating on Google are based on approximately 800 reviews across both platforms – clear evidence of their exceptional performance in delivering value to customers. Positive feedback from satisfied customers highlights the attentive service provided by dedicated agents, streamlined application processes for quick access to funds, tailored advice based on individual circumstances, and consistent guidance throughout the borrowing journey.

Before entering into any financial agreement, it’s advisable to carry out thorough research. Review the testimonials, ratings, and experiences of other companies who’ve worked with Kapitus to gauge their reputation. Verification of credentials, licenses, and accreditations adds to their legitimacy.

Ready to Apply? Check If You Qualify!

Visit Kapitus

Repayment and Renewal Process with Kapitus

Repayment Process: The repayment schedule for loans with Kapitus differs based on the type of loan. The loan’s specific arrangement will determine the weekly, monthly, daily, or biweekly repayment frequency.

Loan Funding Source: Depending on the funding source, you will either make payments directly to Kapitus or to one of their lending partners.

Clear Terms: The loan agreement outlines the exact repayment schedule. Kapitus does not charge prepayment penalties for loans they directly fund.

Lending Partners: Different lending partners might have varying terms for early repayment or interest forgiveness. Review the loan agreement and partner’s policies for clarity.

Critical Understanding: Before accepting a Kapitus loan, thoroughly grasp the loan agreement, repayment process, and terms to make an informed decision.

Renewal Process: Kapitus provides simple loan renewals, typically offered when you’ve paid back at least half of the amount you owe on your current loan.

Understanding Renewal: To comprehend renewal criteria, potential fees, and eligibility for your loan type, contact Kapitus for clear renewal terms before initiating the process.

States Serviced by Kapitus

The state’s serviced may change without prior notice.

Kapitus Customer Support

Kapitus offers customer support through multiple communication channels, ensuring accessibility and assistance for their clients:

Phone, Email, and Live Chat: Kapitus offers customer assistance through various channels such as phone, email, and live chat. Their dedicated support team is available from 8:00 a.m. to 7:00 p.m. EST, Monday to Friday. They aim to respond to client inquiries within 24 hours.

Resource Center: Kapitus provides an extensive knowledge hub on its website, offering a wide range of articles and videos that explain its services and funding process. This resource center is a valuable tool for customers looking for information.

Social Media Presence: Kapitus actively maintains profiles on well-known social media platforms like Facebook, Instagram, Twitter, LinkedIn, and YouTube. These platforms serve as a hub for clients to access financial guidance and gain a deeper understanding of how Kapitus’ business loans can fuel their company’s growth.

Frequently Asked Questions

Most frequently asked questions about Kapitus

Yes, Kapitus operates in two ways: as a direct lender and as a marketplace. They directly provide funding for some loans and also work with their network of lending partners to offer financing solutions for specific products. This unique combination enables them to provide an extensive selection of financing options that can meet the individual needs of their clients.

Kapitus offers various financing options, including small business loans, term loans, lines of credit, helix healthcare financing, invoice factoring, equipment financing, revenue-based financing, and SBA loans.

The duration for approval can differ depending on the type of loan. Certain loans may be approved within a matter of hours, whereas others, like SBA loans, may require several weeks for approval. The timelines for funding can also vary.

Kapitus aims to provide transparent financing solutions. While there may be fees associated with some loan products, it’s essential to review the terms and conditions of the specific loan type you’re considering.

Kapitus takes data security seriously and uses encryption and secure protocols to protect your personal and financial information.

Before applying, reviewing your business’s financials, determining your funding needs, and having the necessary documentation ready is a good practice.