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Kapitus business loans review

You'll have to apply to get even the most basic information.’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.


Min. Amount$100
Max. Amount$200
Loan TermNot stated
Min. Credit Score625
APRStarting at 6.25%
Requirements2+ years in business, $250,000+ annual revenue


  • 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.

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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


Finder rating 4.6 / 5


Finder rating 4.75 / 5

Read Review

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Loan amount

$100 – $200

Loan amount

$500 – $5,000,000


Starting at 6.25%


Starting at 6%

Loan Term

Not stated

Loan Term

1 to 25 years


2+ years in business, $250,000+ annual revenue


Operate business in US or Canada, have a business bank account, 560+ personal credit score

Kapitus reviews and complaints

BBB accredited Yes
BBB rating A+
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.

  1. Get matched with a product that best suits your business when you apply. You don't have to apply for any specific loan.
  2. Submit the application with three to six months of bank statements, last year's tax return and three business references.
  3. Accept or decline the offer sent to you in as little as four hours.
  4. 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.

1 – 5 of 5
Name Product Filter Values Min. Amount Max. Amount APR Requirements

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

Lendio business loans
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.

OnDeck short-term loans
Finder Rating: 4.6 / 5: ★★★★★

OnDeck short-term loans
As low as 35%
600+ personal credit score, 1 year in business, $100,000+ annual revenue, active business checking account
A leading online business lender offering flexible financing at competitive fixed rates.

Biz2Credit business loans
Finder Rating: 4.7 / 5: ★★★★★

Biz2Credit business loans
Starting at 6.50%
6+ months in business; $100,000+ annual revenue; 500+ credit score
Get only the capital you need through secure, prescreened lenders with this highly rated company offering SBA, expansion, working capital and other loans.

ROK Financial business loans
Finder Rating: 4.7 / 5: ★★★★★

ROK Financial business loans
Starting at 6%
Eligibility criteria 3+ months in business, $15,000+ in monthly gross sales or $180,000+ in annual sales
A connection service for all types of businesses — even startups.

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

Fundbox lines of credit
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.

Compare up to 4 providers

Business loan ratings

★★★★★ Excellent
★★★★★ Good
★★★★★ Average
★★★★★ Subpar
★★★★★ Poor

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.

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

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.

Not sure about Kapitus? Compare other lender below.

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