Lender review
Kapitus Business Loans, Reviewed
A broad marketplace lender with seven products under one roof, built for established businesses with two or more years of history.
Lender review
A broad marketplace lender with seven products under one roof, built for established businesses with two or more years of history.
Kapitus runs one of the widest product lineups on this network, term loans, a line of credit, revenue based financing, equipment financing, invoice factoring, SBA loans, and healthcare specific financing, all through a single application. That breadth comes with a higher bar than most, a 650 credit score, two years in business, and $250,000 in annual revenue, so it fits an established business better than a newer one.
Kapitus funds seven products under one roof, term loans, a business line of credit, revenue based financing, equipment financing, invoice factoring, SBA loans, and Helix healthcare financing, all through a single application.
What makes Kapitus useful is the range. Rather than forcing you to guess which financing type fits, one application is evaluated against its full lineup, and a dedicated account manager helps you compare terms, fees, and total cost across whichever products you qualify for.
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.
One application covers all seven products below. Kapitus evaluates which one fits, then a dedicated account manager helps you compare the offers.
| Business term loan | A lump sum from $10,000 to $1,000,000, repaid over 3 to 36 months with a fixed price rather than a traditional interest rate. |
| Business line of credit | Revolving credit from $10,000 to $250,000, sized to your revenue, industry, and credit profile, with weekly, monthly, or daily repayment options. |
| Revenue based financing | Capital advanced against future sales and repaid as a share of revenue, with more flexible credit requirements than the term loan. |
| Equipment financing | Funding to purchase or lease business equipment, secured by the equipment itself. |
| Invoice factoring | Outstanding invoices converted into immediate working capital, useful for businesses waiting on B2B receivables. |
| SBA loans | Government backed 7(a) loans with longer terms and lower rates for businesses with stronger credit and financials. |
| Helix healthcare financing | Term loans, working capital, and lines of credit built specifically for independent medical practices, with a lower 600 credit score and 6 month time in business bar. |
Rate, term, and amount figures are set per applicant during underwriting.
Kapitus sets a higher, more traditional bar than most lenders on this network, reflecting its focus on established businesses.
Kapitus asks for a personal credit score of 650 or higher on its standard products. Healthcare practices applying through Helix can qualify with a 600 or higher score.
Most Kapitus products require at least 2 full years of operating history. Helix healthcare financing only requires 6 months.
Kapitus looks for at least $250,000 in annual revenue, or roughly $20,800 a month, for its standard products.
Expect to provide 3 to 6 months of business bank statements as part of the application, with Kapitus running a soft pull at application and a hard pull to finalize an offer.
The application runs online, and Kapitus pairs the decision with a dedicated account manager who helps you compare offers across products.
Complete Kapitus’s application in a few minutes. Prequalifying uses a soft credit pull only.
A dedicated account manager walks you through which of Kapitus’s seven products you qualify for and what each one costs.
Once you accept an offer, funds typically arrive within 24 to 72 hours.
Seven distinct financing types, from term loans to invoice factoring to SBA loans, all reachable through one application.
Kapitus assigns a service representative to help you compare offers rather than leaving you to read a term sheet alone.
Prequalifying does not affect your credit score, so you can see your options before committing to a hard inquiry.
The Helix program lowers the bar to a 600 credit score and 6 months in business for independent medical practices.
On time repayment can help establish a credit history separate from your personal score.
A 650 credit score, 2 years in business, and $250,000 in annual revenue rule out newer or smaller businesses.
You will need to apply to see actual rates and fees, which makes upfront comparison harder than with lenders that disclose ranges.
While prequalifying is a soft pull, accepting an offer requires a hard credit inquiry.
Kapitus funds several of its own products directly and also connects businesses to SBA loans and other financing through its network, all evaluated from one application.
Kapitus asks for a personal credit score of 650 or higher on its standard products. Its Helix healthcare financing program accepts scores as low as 600.
Funding typically arrives within 24 to 72 hours after you accept an offer.
Kapitus offers term loans, a business line of credit, revenue based financing, equipment financing, invoice factoring, SBA loans, and Helix healthcare financing.
Kapitus looks for a 650 or higher credit score, at least 2 years in business, and at least $250,000 in annual revenue for its standard products.
Prequalifying uses a soft credit pull, which does not affect your score. A hard pull is required to finalize an accepted offer.
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