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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

Kapitus LLC is an American private lender that provides services to small businesses. The company was established in 2006 and is headquartered in New York. In 2008, Kapitus set up its own customer service and expanded to Virginia. To date, the company has raised $360M in funding.

Kapitus is a direct lender and a marketplace that provides small business owners with financing services. Kapitus offers a wide range of financing options, from business loan financing to lines of credit.

Kapitus was previously known as Strategic Funding, but after a suit in 2018 claiming it was a predatory lending company, it rebranded itself and nowadays works to establish a positive reputation.

Pros and cons


  • Kapitus has a variety of financing options for small and medium business;

  • It doesn't necessarily require borrowers to have high credit scores;

  • Kapitus' customers can apply quickly on the website, and the approval process is fast;

  • There is a LiveChat available as Customer Support;

  • Opportunity to receive funds within 24 hours.


  • High-interest rates;

  • Additional fees and penalties;

  • Borrowers must complete their applications to see the loan details;

  • Kapitus requires providing many documents from borrowers.

If you need to get business loans quickly, you can opt to use Kapitus. It can help you save time by offering an online application process. Unlike other lenders, this service offers borrowers many small business financing options. You will likely find the right financing solution for your needs using Kapitus.

However, business owners have to meet the list of requirements to qualify. If you have a credit score lower than 600 points and your annual income is lower than $250k, you can qualify in some cases, but the interest rates will be high. Another requirement to receive some lending products is to be in business for over two years.

Typically, interest rates start at 6.25%, which is not a terrible option, but if the borrowers have high credit scores, it will be better to contact traditional banks to apply for business loans.

Terms and conditions

Kapitus offers SBA loans, lines of credit, business loans, invoice factoring, equipment financing, Helix (for the healthcare industry), PPP loans, purchase order financing, and revenue-based financing.

Small Business Administration (SBA) loans

SBA loans, or 7(a) and Express Loans, are supported by the government. You can use this financing for many purposes. Kapitus offers SBA loans with a 6.25% interest rate as a starting point. The limit on the loan amount you can borrow is up to $5,000,000, and the longest loan term you can qualify for is 25 years.

Unlike business loans that allow borrowers to have bad credit, this type of loan requires proof of borrowers' creditworthiness. The receiving of funds may extend over 14 days and longer because of paperwork.

Business loans

The lender offers different types of business loans, such as fixed installment and short-term and long-term loans, usually based on borrowers' credit scores, incomes, and the desire to provide property as collateral. There are no unsecured loans for bad credit. The company typically offers loans between $5,000 and $5,000 000. You'll need to review this with your loan consultant before finalizing everything. The repayment terms range from three months to ten years, depending on the product. Clients may opt to pay weekly or monthly.


Kapitus LLC gives people who work in the healthcare industry ready access to working capital. It's designed to provide bridging finance for practitioners waiting for insurance payments. In most cases, these funds are available within three days. The loan amounts here range from $20,000 to $500,000, and the repayment period is from six months to ten years. You can repay these loans every week or month.

Equipment financing

This loan type allows business owners to finance up to the entire cost of their equipment. You can get up to $150,000, and the loan term here is up to 60 months.

A credit score of a borrower plays an important role in receiving this type of financing. If you have around 675 FICO, you must be at least three years in business. However, a score of over 775 FICO will only require you to be one year in business.

Equipment financing allows you to qualify for the 179 Tax Deduction.

Revenue based financing

Many business owners face challenges throughout the life of their business. That's why the use of revenue-based financing offered by Kapitus may be a good decision to solve your business problems. You don't need to use your home as collateral or provide many documents. It would be enough to submit your business bank statements over a three-month period. Unlike traditional loans, revenue-based financing doesn't have a fixed-term or an APR.

Kapitus offers several financing options to clients, but revenue-based financing is the easiest to qualify for. To do it, you need to meet the certain criteria:

-Your personal credit score must be at least 575 points;

-Your business must exist for no less than one year;

-Your monthly sales must be at least $10,000.

Line of credit

As it is known, a line of credit is a revolving type of financing. It helps pay off balances and then use the loan again as needed. It operates the same as credit cards. Unlike a typical installment loan, a line of credit allows borrowers to withdraw money as and when they need it. Small business loans require payment even if you don't use cash, but a business line of credit allows you to pay only if you use money.

A line of credit is often higher than a term loan, but it is possible to pay interest only on the part of the available money you use. Kapitus offers lines of credit with a 13% interest rate as a starting point.

To qualify for a line of credit, your personal credit score must be at least 650 points, and you must have established business credit. Also, your average annual income must be not less than $180,000, and your business must operate for at least two years.

Such a type of credit doesn't mean lacking quality and stability. Business owners have an opportunity to cover their business's expenses that are too large for credit cards with lower interest rates or cost too little for small business loans while only paying interest on the amount they use.

Using lines of credit provided by Kapitus will help you have permanent access to working capital and also ensure balanced cash flow.

Invoice factoring

It is a good financing option for business owners. When your cash flow has been hurt because of the wait for customer invoices, then such a financing option is the best for you. It will help your business keep running while you wait on payment of the invoices. Invoice factoring allows you to receive cash that will keep your business running and support its development. It has no compounded interests or APRs. Instead, you are charged a one-time setup fee and transaction fee that is calculated as part of the total amount of money you receive.

Purchase order financing

The purpose of purchase order financing is to provide businesses with the cash necessary to fulfill a customer order. With this option, the financed money is transferred directly to your supplier to support the production and delivery of goods. This will help you cover the cost of delivering goods to your customer.

You need to know that the larger the transaction amount, the lower your rates will be. The rate will be determined during the underwriting process, and after the first month, it will increase.

The cash flow is improved with PO financing, which will help you accept and fulfill orders without dipping into your existing funds or paying on new debts. It makes it possible to continue to generate sales revenue with little preliminary costs and without interruption in day-to-day operations due to the lack of working capital. Purchase order financing provided by Kapitus is available to such industries as manufacturers, resellers, outsources, distributors, and wholesalers, that is, to many B2B and B2G businesses which provide goods for customers.

Concierge services

The operation of a business usually is related to solid cash flow and business owners' ability to acquire financing. That's why Kapitus designed concierge services. Such services vary from choosing the right credit card processors to expanding the audience and adding income flows. Different tools provided by concierge services help business owners to expand their customer base, improve cost-effectiveness and increase brand awareness.

Funding a loan

After approval, funds are transferred directly to your bank account within 24 hours. After the funds are disbursed, borrowers receive the money within 2-3 days, depending on their bank.

The lender charges a 2.5% origination fee to cover the expenses of processing and loan approval.

The operational time of the lender is Monday through Sunday from 9:00 a.m. to 6:00 p.m.


Is Kapitus legit?

Yes, Kapitus is legit. It is registered and has a California Finance Lenders License. It has A- rating by the Better Business Bureau but is not BBB accredited.

Is Kapitus a direct lender?

Yes, Kapitus is a direct lender. All loans are issued through Kapitus, LLC.

How long does it take Kapitus to deposit funds?

Usually, borrowers receive their funds within 2-3 days.

Can I pay Kapitus early?

Yes, you can pay Kapitus early, and there are no charges or penalties for prepayment.

Company documents

Terms and Conditions
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Financing that fits your business.

© Kapitus

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What to focus on before applying for a loan with Kapitus

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 Kapitus 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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