Kapitus business loans review
You'll have to apply to get even the most basic information.
finder.com’s rating: 4.6 / 5.0
Bottom line: This online lender offers high loan amounts at low starting rates. But it’s undergone a lot of changes over the past few years.
- Livechat on website
- Works for
- Get funded within 24 hours of submitting application
- Not transparent about fees or terms
- Requires more documents than your typical online loan
Kapitus rates, fees and terms
Kapitus's business loans come with rates Starting at 6.25% APR, though it's unclear if this includes any fees. While you can borrow up to $5 million through its business loan program, it also doesn't disclose a range of repayment terms.
Use our calculator to see how much a Kapitus business loan might cost you based on different rates, terms and loan amounts.
Business loan calculator
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|Loan terms (in years)|
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How Kapitus compares to other providers
See how other similar business loan providers stand up to this online lender.
Kapitus business loans
Lendio business loans
LendingClub business loans
Go to site
$100 – $200
$500 – $5,000,000
$5,000 – $500,000
Starting at 6.25%
Starting at 6%
12.15% to 29.97%
1 to 25 years
12 to 60 months
2+ years in business, $250,000+ annual revenue
Operate business in US or Canada, have a business bank account, 560+ personal credit score
12+ months in business, $50,000+ in annual sales, no bankruptcies or tax liens, at least 20% ownership of the business, fair personal credit score or better
Compare more business loans lenders
Kapitus reviews and complaints
|BBB customer reviews||1 out of 5 stars, based on 3 customer reviews|
|BBB customer complaints||7 customer complaints|
|Trustpilot Score||4.3 out of 5 stars, based on 259 customer reviews|
|Customer reviews verified as of||22 February 2021|
Kapitus gets mixed online reviews. Many reviewers are happy with the quality of customer service, often naming the person who helped them with their loan application.
But several complain that it was impossible to defer their loans during COVID-19. A few others also said that Kapitus made unauthorized withdrawals from their business bank accounts.
How to qualify
You must meet the following requirements at a minimum to qualify for a business loan from Kapitus:
- Personal credit score of at least 625
- Two years or more in business
- Average annual revenue of $250,000 or more
Other products available through Kapitus may have different requirements. For example, you only need six months in business to qualify for invoice factoring.
How the application works
You can apply for a Kapitus business loan online or over the phone.
- Get matched with a product that best suits your business when you apply. You don't have to apply for any specific loan.
- Submit the application with three to six months of bank statements, last year's tax return and three business references.
- Accept or decline the offer sent to you in as little as four hours.
- Receive funds within 24 hours of submitting your documents.
Read your loan contract to get information about how often and when your payments are due. While it doesn't offer specifics on its website about how often you have to make repayments, customers often mention making weekly repayments the in online reviews.
What sets it apart
Kapitus has made so many changes over the past few years that it's hard to say what to expect from this lender. In early 2020, I had a hard time getting basic information about its business loans.
When I tried calling its customer service line, they kept transferring me to different representatives. And when I was finally put in touch with someone claiming to be able to help me, they wouldn’t disclose even the most basic information about general ranges of loan amounts.
Now its website appears to be more transparent about loan amounts, costs and requirements. But it hasn't been consistently transparent and it's possible that this will change again.
Want to know about your other choices? Compare more options by reading our guide to business loans.
Compare more options
Use this table to see how Kapitus stands up to other online lenders that are more transparent about what they have to offer.
Business loan ratings
We rate business loan providers on a scale of 1 to 5 stars based on factors like transparency, costs and customer experience. We don’t take into account elements like eligibility criteria, state availability or payment frequency — we save that for our reviews.
Read the full methodology of how we rate business loan providers to get a better picture of what goes into each star rating.
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.
Online business lender Strategic Funding rebranded itself as Kapitus at the beginning of 2019. It’s gone through several changes since. At first, it was tight-lipped about even the most basic product details of its business loans and was nearly impossible to get in touch with. Now, has livechat on its website and is upfront about the starting rates and maximum loan amounts.
With so many rapid changes, this loan could be a good option if you were familiar with Strategic Funding and would like to work with the same company. Otherwise, you might want to look elsewhere.
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