Kapitus Review

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Kapitus

Funding amount

Up to $5 million

Term

6 to 24 months

Min. credit score

650

Time to funding

As soon as 24 hours

Kapitus is an online lender tailored to meet the needs of small to medium-sized businesses. What sets Kapitus apart is its commitment to simplicity and speed—understanding that time is often as critical a resource for business owners as capital. With a straightforward application process and the possibility of funding within 24 hours, Kapitus is designed to support businesses in seizing opportunities and overcoming challenges without the wait.

Pros

  • Quick and easy application process
  • Approval within four hours
  • Funding in the bank as fast as 24 hours
  • Multiple repayment options to choose from

Cons

  • Must be in business for at least two years
  • Doesn’t build business credit (borrower may be able to self-report to credit bureaus)
  • Higher rates and fees

Kapitus

Apply through Lendio How it works

Funding amount

Up to $5 million

Term

6 to 24 months

Min. credit score

650

Time to funding

As soon as 24 hours

Kapitus is an online lender tailored to meet the needs of small to medium-sized businesses. What sets Kapitus apart is its commitment to simplicity and speed—understanding that time is often as critical a resource for business owners as capital. With a straightforward application process and the possibility of funding within 24 hours, Kapitus is designed to support businesses in seizing opportunities and overcoming challenges without the wait.

Pros

  • Quick and easy application process
  • Approval within four hours
  • Funding in the bank as fast as 24 hours
  • Multiple repayment options to choose from

Cons

  • Must be in business for at least two years
  • Doesn’t build business credit (borrower may be able to self-report to credit bureaus)
  • Higher rates and fees

Loan offerings through Kapitus.

Kapitus provides a range of loan products, including revenue-based financing, designed to fit the diverse needs of small and medium-sized businesses. This review will focus on Kapitus’ revenue-based financing option, which allows companies with consistent revenue streams to borrow against future earnings. It’s a great solution for businesses looking for flexible repayment terms that align with their income flow.

Kapitus revenue-based financing quick facts
Loan amount rangeUp to $5 million
Time in business2 years
Minimum credit score650
Minimum annual revenue$250,000
Repayment scheduleDaily, weekly, or monthly
Fees$20 ACH or $50 wire feeOrigination fee varies based on the financed amount
Funding speedAs soon as 24 hours

See if your business is eligible for financing.

How much money are you looking for?

Things to consider.

Expedited turnaround time for financing.

Kapitus provides approval decisions within four hours and funding as soon as 24 hours after approval. This quick access to funds makes it an excellent option for business owners needing to respond rapidly to market demands or unexpected challenges. Whether it’s capital for inventory, expansion, or bridging a cash flow gap, Kapitus’ quick funding times enable businesses to keep moving forward without significant delays.

A range of fees to consider.

Revenue-based financing from Kapitus comes with a few different fees that may apply, depending on the amount your company borrows.

The origination fee is subtracted from your funding before it’s deposited into your account.

Stricter requirements than other online lenders.

While Kapitus offers a relatively easy path to funding for many businesses, it’s important to note that it has stricter eligibility requirements compared to some other online lenders. To qualify for revenue-based financing with Kapitus, firms must have been operational for at least two years and have a minimum annual revenue of $250,000. This criterion can be a barrier for newer companies in their early growth stages. A minimum 650 credit score is also required, which is higher than other lenders’ credit score requirements. Businesses should carefully evaluate these requirements before applying to ensure they meet the baseline eligibility criteria, thus saving time and focusing resources more efficiently.

Flexible repayment options.

Kapitus offers daily, weekly, or monthly payments, and the amount isn’t fixed. Instead, you have a few options for how to repay the funds.

For some businesses, such frequent repayments may restrict their cash flow and ability to cover operating expenses. But if you have a solid revenue with customers paying regularly, then it may be worth considering revenue-based financing from Kapitus.

Doesn’t build business credit.

One aspect of Kapitus that borrowers must weigh carefully is its impact on building business credit. Unlike traditional loans which are commonly reported to credit bureaus, thereby assisting businesses in establishing and improving their credit history, Kapitus does not automatically report loan activity. However, businesses do have the ability to self-report their payment history to credit bureaus. While this requires an extra step on the part of the borrower, it presents a unique opportunity for businesses to manage and enhance their credit profiles. 

Excellent customer reviews.

Kapitus reviews on third-party websites are glowing. On Trustpilot, the lender has earned 4.7 out of 5 stars. Individual comments include praise for the lender’s great communication process and fast funding times.

Evaluation

Kapitus is best for:

Where Kapitus might fall short:

How to apply for financing from Kapitus through Lendio.

Applying for financing through Kapitus via Lendio is a streamlined process designed to connect your business with the funding it needs with minimal hassle. Lendio is a small business loan marketplace with multiple lenders that will help match small businesses with loans that suit their unique needs. Here’s how you can get started:

  1. Complete Lendio’s online application form: You will need to fill out a brief online application on Lendio’s website. The form asks for basic information about your business, such as its name, how long it’s been in operation, your monthly revenue, and the amount you’re looking to borrow.
  2. Documentation submission: Alongside your application, you will be asked to submit documents that verify your business’s financial standing. These could include recent bank statements, income statements, balance sheets, and tax returns. Having these documents ready in advance can speed up the process.
  3. Review and acceptance: Once your application is submitted, Lendio will match you with potential lenders that fit your needs. If Kapitus is a good fit for your financing requirements, you will receive an offer outlining the loan terms. Review these terms carefully to ensure they align with your business goals and repayment capabilities.
  4. Finalize the deal: If you decide to proceed with Kapitus, you will work directly with their team to finalize the loan details. This may involve additional verification steps or documents.

The bottom line.

Kapitus stands out as a solid financing choice for small and medium-sized businesses that prioritize quick funding and flexible repayment options. Its ability to offer significant amounts of capital, up to $5 million, with rapid turnaround times positions it as a notable player in the competitive field of online lending. However, the higher cost of financing and stricter eligibility requirements might not make it the perfect fit for all businesses, especially newer ventures or those with lower revenue streams.

Ready to compare Kapitus with other financing options? Check your eligibility and get multiple financing offers for your small business in one place.

*The information contained in this page is Lendio’s opinion based on Lendio’s research, methodology, evaluation, and other factors. The information provided is accurate at the time of the initial publishing of the page (October 25, 2022). While Lendio strives to maintain this information to ensure that it is up to date, this information may be different than what you see in other contexts, including when visiting the financial information, a different service provider, or a specific product’s site. All information provided in this page is presented to you without warranty. When evaluating offers, please review the financial institution’s terms and conditions, relevant policies, contractual agreements and other applicable information. Please note that the ranges provided here are not pre-qualified offers and may be greater or less than the ranges provided based on information contained in your business financing application. Lendio may receive compensation from the financial institutions evaluated on this page in the event that you receive business financing through that financial institution.

Fueling the
American Dream

$12,000,000,000+

DOLLARS FUNDED THROUGH LENDIO

74+

LENDERS IN Lendio’s NETWORK

300,000+

LOANS FUNDED

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