Kapitus Review: Fast Funding for Working Capital Needs
Kapitus business loans isn't available on Finder right now.
- Min. Amount
- $750,000
- Max. Amount
- $5,000,000
- APR
- 1.12 to 1.26 factor rate
Our verdict
A fintech lender offering fast funding and multiple loan types, but with strict eligibility and undisclosed rates.
Kapitus offers a wide range of business financing, up to $5 million and even higher for some loan types. The application process is quick and easy, with funds disbursed in as little as 24 hours. But it doesn’t disclose factor rates on its website, and some businesses may find it difficult to qualify.
Best for: Established businesses that need fast access to working capital.
Pros
-
Application is easy and straightforward
-
Funding arrives in as little as 24 hours
-
Offers multiple types of funding with just one application
Cons
-
Factor rates may be high — around 1.12 to 1.26
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Two or more years in business required
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Must have at least $250,000 in annual revenue
Is Kapitus legit?
Yes, Kapitus is a legitimate company. Founded in 2006, Kapitus offers a wide variety of business loans both directly and through its partner lenders. It has provided more than $6 billion in funding to over 55,000 small businesses since its inception.
Though the company isn’t accredited by the Better Business Bureau (BBB), it has an A- rating from the site plus a 5-star rating from past customers. Kapitus also receives high praise from customers on Trustpilot.
What makes Kapitus shine?
Kapitus stands out for offering multiple types of business financing, both directly and through its network of partner lenders. In total, Kapitus offers seven different types of financing: small business loans, revenue-based financing, SBA loans, equipment financing, business lines of credit, purchase order financing and invoice factoring. This gives business owners a wide range of options to choose from.
Plus, it has a simple application that can be completed online in just a few minutes. Turnaround is also speedy, with borrowers often receiving funds in as little as 24 hours. Plus, Kapitus has an excellent reputation. The company has an A- rating from the BBB and consistently receives high ratings from past customers on review sites.
Where Kapitus falls short
Kapitus doesn’t provide potential rates on its website, so customers don’t know exactly what they’re signing up for until they complete the application and get approved.
Instead of charging APRs, the company uses factor rates, which makes it difficult for borrowers to compare Kapitus to other lenders. The use of factor rates also means there’s no benefit to paying your loan off early, since the fee stays the same regardless of when you repay your loan.
Another downside is the eligibility requirements, which are a bit more stringent than with other, similar lenders. For its directly funded small business loans and revenue-based financing, you must be in business for at least two years. So, if your business is relatively new, you’ll need to look for startup loans.
Other criteria are also quite high — a credit score of at least 650 with $250,0000 in annual revenue is needed. If these are out of your reach, try loan matching services with lower minimum requirements like Lendio and Fundera.
Kapitus loan details
| Loan amounts | Up to $5 million for business loans and revenue-based loans. Between $750,000 to no maximum for other loan types. |
| Terms | 6 to 24 months for business loans and revenue-based loans. Varies for other loan types. |
| APR | Uses factor rates, which are not published on its website. They reportedly range between 1.12 and 1.26. |
| Turnaround | As soon as the same day |
| Minimum credit score | 650+ for business loans and revenue-based loans. Varies for other loan types. |
| Other requirements | Have a US-based business Be in business 2+ years Earn $250,000+ per year |
| Fees | Loan origination fees may apply |
Kapitus contact information
| Phone number | 800-780-7133 Option 3 |
| customersupport@kapitus.com | |
| X, formerly Twitter | @KapitusFinance |
| @KapitusFinance | |
| YouTube | @kapitus9432 |
How to qualify for Kapitus
The requirements for small business loans and revenue-based financing through Kapitus are:
- US-based business
- Minimum credit score of 650
- Government-issued ID
- Business EIN
- At least 2 years in business
- Annual revenue of at least $250,000
- Business bank account
- Provide six months of bank statements and other financial documents
The criteria may change if you choose a different loan type. If you’re not sure where your credit stands, learn how to check your credit score.
How to apply
Applying for a loan through Kapitus takes just a few simple steps. Here’s what to expect:
- Go to the Kapitus website and select Apply Now in the upper right corner.
- Provide information about you, your business and your funding needs.
- Upload recent bank statements, then sign and submit your application.
- Wait for a Kapitus financing specialist to contact you with an approval decision. They may also ask for more information, if necessary.
How Kapitus compares to other lenders
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How we picked theseWhat is the Finder Score?
The Finder Score crunches 12+ types of business loans across 35+ lenders. It takes into account the product's interest rate, fees and features, as well as the type of loan eg investor, variable, fixed rate - this gives you a simple score out of 10.
To provide a Score, we compare like-for-like loans. So if you're comparing the best business loans for startups loans, you can see how each business loan stacks up against other business loans with the same borrower type, rate type and repayment type.
Kapitus reviews and complaints
| BBB accredited | No |
|---|---|
| BBB rating | B- |
| BBB customer reviews | 4.9 out of 5 stars, based on 14 customer reviews |
| Trustpilot Score | 4.7 out of 5 stars, based on 761 customer reviews |
| Customer reviews verified as of | 13 November 2025 |
Kapitus has an excellent reputation on both the Better Business Bureau (BBB) and Trustpilot websites.
On Trustpilot, 90% of all reviewers give the company either a 4- or 5-star rating. They praise Kapitus for its easy, stress-free process, supportive customer service and quick turnaround. Several even say that they have taken out multiple loans from the company. Complaints vary from high factor rates and multiple credit pulls to not getting approved and receiving incorrect information from representatives.
On the BBB, there are only 11 reviews of Kapitus, all five stars. Comments are similar to those on Trustpilot, mentioning the simple application process, helpful customer service agents and fast funding.
What do people on Reddit say?
Frequently asked questions
Is Kapitus reputable?
Yes, Kapitus is a reputable lender. In business since 2006, it has provided more than $6 billion in funding to over 55,000 small businesses. The company also has high ratings from past customers on both Trustpilot and the Better Business Bureau.
Does Kapitus do a hard pull?
Kapitus uses just a soft pull during prequalification, but once you choose an offer and complete the full application, they will likely do a hard pull.
Is Kapitus a direct lender?
Yes, Kapitus is a direct lender of two types of financing: small business loans and revenue-based loans. It also offers equipment loans, business lines of credit, SBA loans, invoice financing and purchase order financing by matching you with partner lenders.
Who is the owner of Kapitus?
Kapitus is owned by Andrew Reiser, its founder and CEO.
Your reviews
Christi Finder
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