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Rating by Finanso®

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.




About lender

GoKapital, Inc., rated A by the Better Business Bureau, is a business loan company, startup, and real estate financing to business owners and investors nationwide. GoKapital can help you if you need working capital to grow your company, buy new equipment, or hire more people. GoKapital works with all types of businesses from all industries, providing loans within 24 hours and quick financing.

Trade advances, income-based business loans, equipment leasing, unsecured business financing, business lines of credit, commercial real estate financing and residential real estate financing for investment properties are some of the business lending products this company provides.

GoKapital was established in 2013 to resolve one of the most significant challenges faced by small and medium-sized businesses: locating the capital required to expand and sustain their operations.

The vast majority of financial institutions have tightened their lending standards and reduced the amount of money they are willing to lend, which has made it far more challenging to operate a company.

Chris Moreno, the founder of GoKapital, recognized this as a problem and set out to find a solution to it. He began by compiling a list of the various traditional and alternative funding programs available to businesses. Then he developed a system that matches borrowers with the working capital options best for them.

Through an application procedure that is open and honest, GoKapital is dedicated to assisting company owners in finding the money they need for their companies as fast and simple as possible.

Pros and cons


  • With the All-In-One Funding platform, you can choose from various financing solutions, regardless of your requirements, whether a business loan or a consumer loan.

  • The lender guarantees speedy financing in all 50 states and even Canada so that you can get approved and cash much faster than if you use the typical way of earning money from a bank (or another loan program). This way, you don't have to worry about getting the best possible services and financing options for your company and real estate needs.

  • The company strives to provide exceptional customer service so that you can enjoy the application process and get financing with no stress or worry.

  • You can use the loan calculator and guidelines to determine how much you can borrow, so you won't go into the application process blindfolded. In addition, the annual interest rate, fees and other financial terms are transparent.


  • You will have to qualify for an enormous cash advance from a merchant.

  • There are only about 30 states that offer unsecured short-term business loans.

  • The company provides no accounts receivable financing.

Terms and conditions

GoKapital can offer you a broad overview of the rates and conditions for seven different loan options, which we've listed below. Of course, your final offer may be considered other than the rates listed here.

Merchant Cash Advance

One of GoKapital's most popular and easy-to-use fundraising choices is this one.

If you accept credit and debit card payments, you'll be given an upfront payment for a portion of your future sales.

Length of term: 3-18 months

Term of repayment: daily

The APR ranges from 1.20 to 1.50 percent.

Amounts between $20,000 and $5 million are acceptable.

Business Line of Credit

GoKapital offers a credit card-like lending option for small businesses. You'll be able to draw on a pre-determined amount of money whenever you need it. You'll pay a small charge to withdraw cash, but you'll only pay interest on the money you remove.

Length of term: six to twelve months

Term of repayment: Not disclosed

The APR ranges from 3% to 18%.

$20,000 - $250,000 is the minimum-maximum range.

Startup Business Loans

Get your company up and running. Your first rental property, equipment, and inventory purchases may be made with it.

Length of term: 3 - 10 years

Repayment period: Monthly

The APR ranges from 6% to 18%.

Amounts between $25,000 and $500,000 are permitted.

Loans for small businesses

A small business loan may be used for just about any purpose in any industry, making it the most common sort of loan. People with weak credit might apply for loans which have substantial borrowing limits.

Term duration: Not disclosed

Term of repayment: Monthly

APR range: Not disclosed

Amounts between $20,000 and $5 million are acceptable.

Unsecured Loans

Unsecured loans are similar to small business loans, but the requirements for approval are more stringent, and the maximum amount you may borrow is smaller.

Length of term: one to four years

Term of repayment: Monthly

APR range: Between 9% and 20%

Amounts between $100,000 and $350,000 are acceptable.

Equipment Financing and leasing

Lending is when you buy a piece of equipment and then use it as collateral to secure the loan.

Between 80% and 100% of an asset's worth can be funded by GoKapital.

Term duration: Not disclosed

Term of repayment: Monthly

APR range: This information isn't available.

Amounts between $20,000 and $5 million are acceptable.

SBA Loan

If you're seeking cheap interest rates, this is a fantastic option. In addition, loans guaranteed by the federal government are less of a risk for lenders since they are insured. Even so, you'll need a good credit score and be prepared for extended waits for your money.

Length of term: Between three and twenty-five years.

Term of repayment: Monthly

APR range: Between 5% and 9%

Minimum and maximum amounts: $200,000 to $10 million

How to Borrow

The funding application procedure has been simplified and made more open and accessible for company owners as part of GoKapital's commitment.

  1. Submit an application describing your company's fundraising goals. Your company will be reviewed to determine its suitability for several funding schemes.

  2. Select the financing option you want to use with the help of your financial advisor. They will advise on critical points, such as interest rates, APRs, loan amounts, credit scores, etc.

  3. Get access to operational finance in two days during regular business hours. Don't forget to make payments.

The documents for the application:

  • Personal identity. To provide evidence of your identification, you will need documentation granted by either the state or the federal government, such as your driver's license or passport.

  • Statements from a business bank account. If you want GoKapital to verify your typical monthly revenue, you'll need to give the company with the bank statements for the last four months of your business.

  • If available, provide the business tax information from the previous year. You may be required to provide your company's most recent tax return to validate your annual revenue.


How much can I borrow from GoKapital?

Depending on the type of credit chosen, from $ 20,000 to $ 50,000,000.

What are GoKapital interest rates?

The range of interest rates is from 6 to 14 percent.

Is GoKapital legitimate?

Better Business Bureau (BBB) has granted GoKapital an accreditation, and the company maintains an A+ rating there. To this point, the BBB has not been made aware of any complaints against the firm.

What credit score do I need to get a loan from GoKapital?

From 630 and up, depending on the selected credit.

Company documents

Terms of use

Quick business loans for your company with no hidden charges, no extra fees, & no delays.

© GoKapital

Calculate loan payments in GoKapital

GoKapital calculator will allow you to calculate an approximate payment schedule for the loan

Loan amount

Enter the desired loan amount

20000 $
5000000 $
Loan term

Specify the loan term for the calculation


What to focus on before applying for a loan with GoKapital

To ensure the lender is legitimate, check if it meets the following criteria:

How do you know if a loan company is registered?

The lending company is registered with the US Securities and Exchange Commission (SEC) and has a tax identification number (EIN). Note that tribal lending companies operate under the jurisdiction of tribal laws, and they don't have to register with the SEC. But still, tribes must act under federal consumer protection laws enforced by the Consumer Financial Protection Bureau (CFPB) and Federal Trade Commission (FTC).

According to the FTC requirement, the lending company is registered in your state, excluding tribal lenders abiding by tribal and federal laws only. That is why tribal lending companies can charge interest rates exceeding your state's maximum.

Finally, the State Attorney General can verify the registration of the lending company if you need additional proof of whether it is legitimate.

If a US lending company scams you, please report to local law enforcement, your state attorney general, CFPB, or FTC.

Finanso® also recommends

Learn the total cost of a loan, including:

It will be best to read a loan agreement carefully before signing it. If any part of the agreement seems incomprehensible, do not hesitate to ask the lender about particulars.

Remember that you don’t have to make an immediate decision when considering getting a loan. However, you must be sure that you are ready to repay following your loan documents. If the lender’s terms and conditions are uncomfortable for you, you are free to search for another proposal, as there are about 780 lending companies in the US.

What’s the difference between GoKapital and a bank?

  1. You need to have a good credit history to qualify for a credit card with a bank. In contrast, even bad credit history debtors can borrow money from US lenders with personal or payday loans. 
  2. Interest rates and annual percentage rate for a loan with an online lending company are significantly higher than with a credit card released by a bank.
  3. Applying for an online loan with a lending company doesn’t require paperwork or even visiting their office. Instead, a borrower can apply entirely online and receive money via direct deposit on the next business day.
  4. The online lending business is high-risk for investors, and their capital is not protected from unfair borrowers.
  5. A loan with legitimate loan companies for bad credit is a simple but expensive form of borrowing to resolve financial hardship.
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All GoKapital’s reviews by September 2022
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1 reviews
Many loan options and great customer support.
May not qualify for the loan amount I am seeking.
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