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Kalamata Capital business loans review

Apply for multiple types of financing with one application.

Kalamata Capital could be best for businesses that don’t know where to start to find financing or have trouble qualifying for a loan. It uses one application for multiple types of financing and accepts industries that many lenders consider high risk.
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Max. Amount$750,000
Loan Term9 to 60 months

First, do I qualify?

Kalamata Capital doesn’t disclose its eligibility criteria. The best way to find out if you qualify is by filling out its online application.

What makes Kalamata Capital business loans unique?

Kalamata Capital combines online lending with the personal touch you might find at a bank or credit union. It can guide you through the entire loan application process — including that first step when you decide what type of financing is right for you. Unlike many online lenders, it gives you the chance to talk to loan specialists to evaluate your options after you prequalify. You can find anything from low-interest SBA loans to high-cost factoring.


  • Apply for multiple types of financing at once
  • Short and long terms available
  • Construction, trucking and other high-risk industries eligible


  • Potential daily repayments
  • Not transparent about costs
  • Not available in all states, though doesn’t disclose which

Compare other business loan options

Name Product Filter Values Loan amount APR Requirements

Fora Financial business loans
Finder Rating: 4.1 / 5: ★★★★★

Fora Financial business loans
$5,000 – $500,000
6+ months in business, $12,000+ monthly revenue, no open bankruptcies
Get qualified for funding in minutes for up to $500,000 without affecting your credit score. Best for companies with at least six figures in annual revenue.

Lendio business loans
Finder Rating: 4.75 / 5: ★★★★★

Lendio business loans
$500 – $5,000,000
Starting at 6%
Operate business in US or Canada, have a business bank account, 560+ personal credit score
Submit one simple application to potentially get offers from a network of over 300 legit business lenders.

National Funding business loans
Finder Rating: 4.75 / 5: ★★★★★

National Funding business loans
$5,000 – $500,000
4% to 8%
Be in business at least one year and make at least $150,000 in annual sales. Other loan types have additional requirements.
Working capital loans and equipment financing, some high-risk industries may be eligible.

Fundbox lines of credit
Finder Rating: 4.2 / 5: ★★★★★

Fundbox lines of credit
$1,000 – $150,000
Not stated
6 + months in business, $100,000+ in annual revenue, 600+ credit score
Get flat rate, short-term financing based on the financial health of your business, not your credit score.

Bitty Advance business cash advances
Finder Rating: 2.8 / 5: ★★★★★

Bitty Advance business cash advances
$2,000 – $25,000
Not applicable
$5,000 monthly bank revenue, 6+ months in business, business bank account open 3+ months, 450+ credit score
With APRs in the triple digits, this is best saved as a last resort.

Compare up to 4 providers

How do I apply?

You can get started on the application over the phone or online. To get started online, follow these steps:

  1. Go to the Kalamata Capital website.
  2. Click Start Here.
  3. Fill out the form with basic information about yourself and your business.
  4. Accept the terms and conditions and click Send My Message.

After you submit the form, you should receive a call from Kalamata Capital to go over your application. If you don’t think you can wait, call 800-200-4071. A representative will walk you through your options and tell you how to complete the rest of the application.

What documents do I need to apply?

Kalamata doesn’t disclose which documents you need to provide when applying for business financing. It likely depends on the type of loan you’re applying for. Generally, business lenders ask to see copies of your personal and business tax returns as well as bank statements — at a minimum.

How do repayments work?

It depends on the type loan you qualify for. Some might come with fixed monthly repayments, while others might require repayments every day. If you’re not sure how repayments work on your specific type of financing, check your loan documents. These should outline the terms and conditions of your loan. If you have any questions or concerns about repayments, reach out to customer service as soon as possible by calling 800-200-4071.

Find out how Kalamata Capital compares to other financing options with our guide to business loans.

Review by

Anna Serio is a trusted lending expert and certified Commercial Loan Officer who's published more than 1,000 articles on Finder to help Americans strengthen their financial literacy. A former editor of a newspaper in Beirut, Anna writes about personal, student, business and car loans. Today, digital publications like Business Insider, CNBC and the Simple Dollar feature her professional commentary, and she earned an Expert Contributor in Finance badge from review site Best Company in 2020.

Expert review

If you haven’t borrowed before or your business keeps getting rejected for funding, Kalamata Capital might be a helpful solution. You can get offers for multiple types of financing after filling out its online application and have a loan specialist walk you through all of your options. Unlike traditional lenders, it works with a wide range of industries — including trucking and construction.

However, it might not be right for everyone. It doesn’t have much information on its website about rates or fees, making it difficult to compare it to other lenders. And it doesn’t disclose basic information like eligibility requirements. The application also may involve more steps than your standard online loan, since you have to go over your options with a representative.

Not sure Kalamata Capital is right for you? Compare your other options below.

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