Kapitus

What does Kapitus offer?

Kapitus offers three things directly: a business loan with a set repayment schedule, revenue based financing, which is a purchase of future revenue rather than a loan, and equipment financing through its own equipment unit. Through its network it lists SBA loans, lines of credit, invoice factoring and purchase order financing. The profile notes these categories may involve different providers, so the lender on your agreement can differ by product.

Who does Kapitus fund, and who do they decline?

Kapitus funds US small businesses across operating, growth and equipment needs. The profile does not publish a funding range, revenue minimum, credit score, time in business, industry list or decline criteria.

In practice, its direct products are built for speed and for businesses that may not clear a bank, while its network products reach the cheaper, slower options such as SBA. Before accepting a revenue based offer, check that your cash cycle can support the remittance schedule. If you have two years of history and good credit, ask about the SBA or line of credit route first.

What does it typically cost and how fast is it?

Kapitus does not publish rates, fees or funding times; pricing is quoted per file. For a loan, ask for the APR and the schedule. For revenue based financing, ask for the net proceeds, the total payback and the remittance terms, and convert with our APR versus factor rate guide. Typical ranges are on our working capital and equipment financing pages.

What will you need to apply?

Expect three to six months of business bank statements, your EIN and formation documents and owner ID for the direct products, an equipment quote for equipment deals, and tax returns and financial statements for network SBA loans. Our document checklist covers all three packages.

How does Kapitus compare with similar lenders?

Fora Financial funds term loans, cash advances, lines and SBA loans up to $1.5 million with a published revenue guidance of $240,000. National Funding focuses on working capital plus equipment financing and leasing and may match applicants it cannot fund with a partner. Kapitus has the broadest menu of the three through its network, which is useful if you are not sure which product you need, but check which entity funds each offer.

How to apply

Apply once on this site and matching shows whether Kapitus, or a similar lender, fits your file. You can also ask your AI assistant to collect your documents and apply for you through our MCP server. A profile in this directory is a market reference and does not by itself mean the lender is on our network for your file; matching shows the lenders available to you.