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Kapitus business loans review

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

  • Best for former customers of Strategic Funding looking to take out another loan.
  • Pick something else if you want transparent rates and terms.


Product NameKapitus business loans
Loan TermNot stated
APRNot stated
Requirements6+ months in business, $100,000+ annual revenue

First, do I qualify?

You must meet the following requirements to qualify for a business loan from Kapitus:

  • At least six months in business
  • At least $100,000 in annual revenue

What makes Kapitus business loans unique?

Kapitus doesn’t disclose much about its business loans. But beyond its standard term loans, it offers a wide range of different types of funding, from lines of credit to invoice factoring. It also has a special option for healthcare providers.


  • Friendly to new businesses
  • Financing beyond business loans
  • Funding specifically for healthcare providers
  • Fast turnaround


  • Limited information online
  • Hard to reach customer service
  • Will not disclose general ranges of loan amounts
  • Requires more documents than your typical online loan

Beware of unhelpful customer service representatives

Despite multiple attempts to reach out to Kapitus, I had a hard time getting basic information about its business loans. I’ve written close to 100 reviews of business lenders and typically struggle to get information — they often don’t like to disclose rates and terms without knowing your revenue and time in business.

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.

Compare other business loan providers

Data indicated here is updated regularly

Name Product Filter Values Loan amount APR Requirements
First Down Funding business loans
$5,000 – $300,000
Fee Based
At least 1 year in business, an annual revenue of $100,000+, and a minimum credit score of 400
Alternative financing up to $300K with highly competitive rates.
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.
ROK Financial business loans
$10,000 – $5,000,000
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.
OnDeck small business loans
$5,000 – $250,000
As low as 11.89%
600+ personal credit score, 1 year in business, $100,000+ annual revenue
A leading online business lender offering flexible financing at competitive fixed rates.
Rapid Finance small business loans
$5,000 – $1,000,000
Fee based
Steady flow of credit card sales, bad credit OK

Compare up to 4 providers

How do I apply?

You can apply for a Kapitus business loan online or over the phone. Here’s how to get started online:

  1. Click the Go to site button on this page.
  2. Fill out the required fields with information about your business, its finances and yourself.
  3. Review your answers for mistakes. Sign the document and click Submit.
  4. Upload your past three months of bank statements and click Submit again.

After you submit your application and bank statements, Kapitus will make you an offer. If you like your offer, you can receive your funds within 24 hours of submitting your documents.

What documents do I need to apply?

You need to provide the following documents when you apply for a business loan:

  • Three most recent business bank statements
  • Most recent tax statements
  • Three business references

You might be asked to provide additional documentation, depending on your application.

How do repayments work?

Kapitus doesn’t disclose how repayments work on its business loans, though typically long-term loans come with monthly repayments, while short-term loans come with weekly or even daily repayments. Check your loan documents to find out how your repayments work and when they’re due.

If possible, sign up for automatic payments to avoid late fees. And if you have any questions, reach out to Kapitus customer service as soon as possible.

Want to know about your other choices? Compare more options by visiting our guide to business loans.

Expert review

Anna Serio

Review by

Anna Serio is a trusted lending expert and certified Commercial Loan Officer who's published more than 950 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. While it’s tight-lipped about even the most basic product details of its business loans, what it offers is essentially the same as what you would have found with Strategic — with a few tweaks. What exactly changed, however, it won’t disclose.

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 — especially if you’re looking for a transparent lender with strong customer service.

Not sure about Kapitus? Compare other lender below.

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