Kapitus Small Business Loans Review

Loan Options

Kapitus offers one of the wider product lineups among alternative lenders. 

*Actual amounts depend on revenue, credit, and industry.

Repayment terms are notably flexible. Most short-term products allow daily, weekly, or monthly payments, and Kapitus advertises no prepayment penalties. The line of credit is revolving—funds replenish as you repay, and interest accrues only on what you draw.

Fees & Rates

Kapitus does not publish full pricing online, noting that rates are determined through underwriting and vary by credit profile, revenue, industry, and product. What's known from product pages and third-party reviews:

• Term loans: Priced with a factor rate (roughly 1.10 to 1.45) rather than an APR, plus an origination fee of ~2.5%–5% of the loan amount and a wire fee.
• Equipment financing: Interest rates starting at 7.5%.
• Invoice factoring: Factor rates starting around 1.5%.
• Merchant cash advance / revenue-based financing: Factor-rate pricing; specific rates not disclosed.
• Prepayment penalties: None.

The main drawback: factor-rate pricing makes it hard to compare Kapitus against APR-based lenders, and the lack of published fees means borrowers should request a full cost breakdown (total payback amount and all fees) before signing.

Application Requirements

Kapitus has higher qualification thresholds than many online lenders, reflecting its focus on established businesses. General minimums (these vary by product):

• Time in business: 2+ years
• Annual revenue: $250,000 (as low as $180,000 for the line of credit)
• Credit score (FICO): 650+ for most products (660+ for equipment financing; some sources cite 625 as a floor)
• Location: U.S.-based business

Application process: The online application takes about 5–10 minutes. Kapitus advertises approval decisions in as little as 4 hours and funding within 24 hours of finalizing the loan. Equipment financing up to $500,000 uses an "application-only" process (no extensive financial documentation required).

Reputation & Customer Support

Kapitus is well-regarded by customers overall, though feedback is mixed on transparency:

• Trustpilot: ~4.8 / 5 across 375+ reviews, with roughly 90% rating it 4 or 5 stars.
• Better Business Bureau: A- rating (not BBB-accredited) and a 4.3 / 5 customer rating.
• NerdWallet: 4.1 / 5 editorial rating.

What customers praise: A fast, easy, low-stress application; quick funding; and responsive, personable account representatives (many reviewers name their rep specifically).

Common complaints: Lack of clarity around fees and rates; occasional difficulty reaching customer service; and frustration when applications are routed to a third-party lending partner rather than funded by Kapitus directly. As with most high-volume funders, there is a moderate CFPB complaint volume relative to its large customer base.

Support channels: Phone support at (800) 780-7133 or (646) 257-5406, plus an online dashboard (some customers note a rep may need to help activate it). Kapitus also partners with Experian to offer business credit monitoring.

Bottom Line

Kapitus is a strong option for established small businesses (2+ years, solid revenue, fair-to-good credit) that value speed, flexible repayment, and a wide product menu accessible through a single application. Its main weaknesses are pricing transparency—factor rates and undisclosed fees make true cost comparison difficult—and qualification requirements that are stricter than many online lenders. Borrowers should always request the total payback amount and full fee schedule before committing.