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BreadRoute Review
Kapitus
4.0Our Kapitus Review
Kapitus is a U.S. nonbank lender that has been financing small businesses since 2006, when it launched as Strategic Funding Source with a mission to serve the underbanked small business community. Today it offers business loans, equipment financing, lines of credit, and revenue-based financing — with funding available up to $5 million. Its KapitusPLUS network can also connect borrowers to financing options beyond Kapitus's own products, which is useful if your situation doesn't fit a single solution. To qualify, you'll typically need a 650 credit score, two or more years in business, and at least $25,000 in monthly revenue. Customers consistently describe fast, smooth processes and responsive service. Kapitus appears well suited for established small businesses that need a flexible, consultative lender outside the traditional banking system.
Who Is Kapitus Best For?
Based on eligibility requirements and available products.
- Businesses with good (but not perfect) credit
- Businesses seeking larger financing amounts
Financing Options
Eligibility Requirements
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Quick Overview
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Other Nonbank Lender lenders
Kapitus Pros & Cons
Pros
- Lends nationwide
- High loan amounts available
Cons
- Requires $25,000+ in monthly revenue
- Requires 2 Years in business
Frequently Asked Questions
Kapitus offers financing in the range of Up to $5 Million.
Kapitus typically requires a minimum credit score of 650. Businesses with scores above this threshold are more likely to qualify for favorable terms.
Kapitus offers the following financing products: Merchant Cash Advance.
Kapitus requires a minimum of 2 Years in business. Newer businesses may want to explore alternative lenders with lower seasoning requirements.
Kapitus provides financing to businesses across the United States.
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