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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
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.

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Updated February 21st, 2020
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Get approved for a business loan in as little as 5 minutes. Applications won't affect your credit score.
First Down Funding business loans
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Kabbage Small Business Line of Credit
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A simple, convenient online application could securely get the funds you need to grow your business.
First Union Lending Unsecured Long-Term Business Loan
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Sheer Funding Business Loans
6+ months in business, 550+ credit score, $150,000+ annual revenue, eligible industry
Multiple financing options available for business owners with less-than-perfect credit scores.
Efundex long-term business loans
2+ years in business, 620+ credit score, not a sole proprietorship or nonprofit, strong financial history
Financing for high-risk industries with transparent rates and terms.
Lendio Business Loan Marketplace
Must operate a business in the US or Canada, have a business bank account and have a personal credit score of 560+.
Submit one simple application to potentially get offers from a network of over 75 legit business lenders.

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 loans expert who's published more than 800 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 Fundera,, and ValueWalk feature her professional advice, 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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