Lender review
Kalamata Capital Group Business Loans, Reviewed
A revenue based funder built for businesses that most lenders decline, with fast approvals and a steep cost of capital.
Lender review
A revenue based funder built for businesses that most lenders decline, with fast approvals and a steep cost of capital.
Kalamata Capital Group exists to fund businesses that almost every other lender on this network turns away, credit scores in the 500s, recent bankruptcies, and thin approval files elsewhere. It underwrites almost entirely on cash flow rather than credit history, which is genuinely useful in a pinch, but that accessibility comes at a real cost: factor rates that translate to some of the highest effective rates on this network, and a company that discloses less about its terms upfront than most competitors.
Kalamata Capital Group primarily funds merchant cash advances and revenue based financing, and connects businesses to SBA loans, lines of credit, invoice factoring, and asset backed funding through its network.
Kalamata Capital Group’s underwriting is almost purely revenue based. Rather than screening on credit score first, it looks at your daily and monthly bank deposits, which means a business with a 500 credit score and steady cash flow has a real shot at approval where a bank or even most online lenders would decline outright.
Prequalify in minutes without affecting your credit score.
Exact rates and loan amounts vary by product and by applicant; see the product breakdown below for details on each one.
Kalamata Capital Group primarily funds merchant cash advances directly and connects businesses to a wider set of products through its network.
| Merchant cash advance | An advance against future receivables, repaid through daily ACH debits sized to a percentage of your deposits, typically 12 to 22 percent. |
| Revenue based financing | Capital repaid as a share of ongoing revenue rather than a fixed payment, so the obligation flexes with how business is doing. |
| Business line of credit, SBA loans, invoice factoring, and asset based funding | Additional financing types available through Kalamata’s partner network for businesses that qualify, layered on top of its core revenue based products. |
Rate, term, and amount figures are set per applicant during underwriting.
Kalamata Capital Group does not publish detailed underwriting standards, so what follows reflects the pattern across current customer and industry reporting rather than an official published bar.
Kalamata works with credit scores as low as 500, and some reporting suggests it will consider scores even lower for its core merchant cash advance product. This is meaningfully more lenient than most lenders on this network.
Expect a minimum of around 6 months of operating history, though requirements can vary by product and by how the application is structured.
Kalamata generally looks for a business bank account with at least $15,000 in monthly deposits, verified through recent bank statements.
Because Kalamata does not publish its rates, request the full repayment schedule and total cost of capital in writing before signing, and compare it directly against any other offer you receive.
The process is built to be simple, often requiring only a one page application and a few months of bank statements.
Submit your application. Kalamata reviews your file with a soft credit pull and presents an approval offer if you qualify.
Review and sign your contract, then Kalamata verifies your bank account, sometimes automatically and sometimes manually.
Once everything is confirmed on a final funding call, funds are typically wired to your account the same or next business day.
A 500 or lower credit score does not automatically disqualify an application, unlike most lenders on this network.
Deposits and daily revenue matter more than your credit history, which helps businesses that have had past financial setbacks.
Straightforward, well documented applications can fund the same business day.
A one page form and a few months of bank statements is often all that is required to get an offer.
Merchant cash advance is the core offering, but SBA loans, lines of credit, and other products are available through its network.
Factor rates on its core product translate to some of the highest effective costs on this network, and should be your last option after comparing everything else.
Rates, fees, and terms are not clearly published, so getting the full picture requires a direct conversation before you sign anything.
A holdback of 12 to 22 percent of daily deposits can meaningfully reduce the cash a lower margin business has on hand.
Yes, for its core merchant cash advance and revenue based financing products. It also connects businesses to SBA loans and other financing through its network.
Kalamata works with credit scores as low as 500, and in some cases lower, making it one of the more accessible funders on this network for damaged credit.
Same day funding is available for straightforward applications, with most deals funding within one to two business days.
Kalamata primarily funds merchant cash advances and revenue based financing directly, and connects businesses to a line of credit, SBA loans, invoice factoring, and asset based funding through its network.
Kalamata generally looks for at least 6 months in business and around $15,000 in monthly bank deposits, with credit score playing a smaller role than at most lenders.
Yes. Its factor rate pricing runs well above what a bank, SBA lender, or even most online lenders charge, which is the tradeoff for its accessibility on credit score.
We score lenders on loan cost, eligibility and accessibility, funding speed, and customer experience, drawing on the lender's own disclosures, public complaint records, and third party review platforms. Ratings are reviewed monthly and reflect our independent analysis; lenders cannot pay for a better score.
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