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Funders make the credit decisions. We compare their offers and show you what each one costs. Funders pay us when a deal funds, never you upfront.

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Lender profile

Kapitus

Direct funder Founded 2006 Checked Sep 30, 2026
Kapitus offers business loans and revenue-based financing of up to $5 million, plus lines of credit, equipment financing, SBA loans, invoice factoring and purchase order financing, some funded by Kapitus and others arranged through its financing network. Its business loan, revenue-based financing and line of credit pages ask for 2 years in business, $180,000 to $250,000 in annual revenue and a credit score of 650 or higher. Equipment financing rates start at 7.5% interest, and its purchase order financing page quotes a fee of 1.8% to 6% per 30-day period.
Visit kapitus.com Compare with similar funders
Heads up. Kapitus's products hub lists 'average minimum requirements' of a 625 credit score while its product pages list 650 to 680, so its overall credit minimum shows as not published. Its line of credit page gives terms of both 21 to 36 months and 12 to 36 months, and its homepage groups lines of credit under a '$5k to $5 million' range while the line of credit page says up to $750,000.

The open book

What Kapitus publishes, and what it doesn't

7 of 9 things a business owner needs to compare offers are on its website.

Published

Amounts
$5K–$7M
Minimum credit score
650+
Minimum time in business
2 years
Minimum monthly revenue
Not published
Speed, in its words
As little as 24 hours

The ledger

  • Funding amounts
  • Minimum credit score
  • Minimum time in business
  • Funding speed
  • Price (rate or factor)
  • Fees
  • Term length
  • Minimum revenue Not published
  • Excluded industries Not published
Loosest published figure across its products, from its own website. Details by product below.

By product

Kapitus's products, as published

Open “Sources” under any product to see the exact wording and the page it came from.
Price not published
Amounts
From $5K
Price
Not published
Term
Up to 36 months
Repayment
Variable
Minimums
Credit 650+ · Time in business 2 years · Revenue n/p
Speed
active line in as little as 24 hours if approved
Sources (9)
Price published
Amounts
From $20K
Price
Rate from 7.5%
Term
Up to 72 months
Repayment
Monthly
Minimums
Credit 660+ · Time in business 2 years · Revenue n/p
Fees
No fee amount is published. The page says 'There are no penalties for paying off your equipment debt early' and that 100% of the equipment cost can be financed with 'no down payments for qualified buyers'.
Sources (9)
Price not published
Amounts
$200K–$7M
Price
Not published
Term
Not published
Repayment
—
Minimums
Credit n/p · Time in business n/p · Revenue n/p
Speed
as little as 4 business days
Sources (4)

Purchase order financing

How purchase order financing works
Price published
Amounts
$200K–$7M
Price
Fee 1.8%–6% (per 30 days)
Term
Not published
Repayment
—
Minimums
Credit n/p · Time in business n/p · Revenue n/p
Speed
as little as 4 days
Fees
"The total cost will be dependent on how long it takes your customer to pay the invoice", with the outstanding amount incurring a 1.8% to 6% fee per 30-day period; "The percentage typically increases the longer it takes your customer to fulfill the invoice amount."
Sources (7)

Revenue-based financing

How revenue-based financing works
Price not published
Amounts
Up to $5M
Price
Not published
Term
6–24 months
Repayment
Variable
Minimums
Credit 650+ · Time in business 2 years · Revenue n/p
Speed
as little as 24 hours
Sources (9)
Price not published
Amounts
Up to $5M
Price
Not published
Term
Not published
Repayment
Monthly
Minimums
Credit 680+ · Time in business n/p · Revenue n/p
Sources (4)
Price not published
Amounts
$5K–$5M
Price
Not published
Term
6–24 months
Repayment
Variable
Minimums
Credit 650+ · Time in business 2 years · Revenue n/p
Speed
as little as 1 day after the loan agreement is finalized
Sources (10)

Similar funders

Funders offering the same products

Lendio

Marketplace
$1K–$10M500+ creditPrice published

Big Think Capital

Broker
$10K–$5M550+ creditPrice published

BlueBridge Funding

Broker
$50K–$200K550+ creditNo price

Clarify Capital

Broker
$5K–$5M500+ creditPrice published

Expansion Capital Group

Direct funder
$5K–$500K500+ creditNo price

Fora Financial

Direct funder
$5K–$1.5M570+ creditPrice published

Head-to-heads

Kapitus vs National FundingOnDeck vs Kapitus

Pages we read

  1. https://kapitus.com/
  2. https://kapitus.com/products-services/
  3. https://kapitus.com/products-services/business-loans/
  4. https://kapitus.com/products-services/revenue-based-financing/
  5. https://kapitus.com/products-services/line-of-credit/
  6. https://kapitus.com/products-services/equipment-financing/
  7. https://kapitus.com/products-services/sba-loans/
  8. https://kapitus.com/products-services/invoice-factoring/
  9. https://kapitus.com/products-services/purchase-order-financing/
  10. https://kapitus.com/products-services/helix-healthcare-financing/
  11. https://kapitus.com/about-us/
  12. https://kapitus.com/the-kapitus-difference/
  13. https://kapitus.com/contact-us/
Spotted something out of date? Funders and owners can send a correction with a link to where it's published. Listing Kapitus here doesn't mean it works with Openbook.

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