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Businsess Loans > Lender Reviews > Kapitus
Looking for a quick and easy loan to fuel your small or medium-sized business (SMB)? Kapitus streamlines the application process and gets you funded fast, potentially within 24 hours.
Here's what makes Kapitus stand out
- Speed: Get approved in as little as 4 hours and funded within 24 hours of approval.
- Flexibility: Choose daily, weekly, or monthly repayments to fit your cash flow.
- Revenue-Based Financing: Ideal for businesses with consistent revenue streams, allowing you to leverage future earnings for growth.
What you need to know
- Loan amounts: Up to $5 million
- Minimum requirements:
- 2 years in business
- $250,000 annual revenue
- 650 credit score (may be higher than some competitors)
- Fees: Include origination fee (varies by amount), $20 ACH fee, or $50 wire fee.
- Pros: Fast approval, flexible repayments, ideal for businesses with fluctuating revenue.
- Cons: Higher fees than traditional loans, stricter requirements, doesn't automatically build credit (but self-reporting is possible).
Is Kapitus right for you?
Consider Kapitus if:
- You need funding fast.
- Your revenue fluctuates.
- You're an established business looking to grow.
- Your credit score is fair to good.
Keep in mind:
- Kapitus has higher financing costs than some lenders.
- They primarily offer revenue-based financing.
- Eligibility requirements are stricter than some competitors.
- Building credit requires self-reporting.
Ready to apply
Kapitus offers a streamlined application process. However, weigh the pros and cons against your specific needs before applying.
Overall, Kapitus is a strong option for SMBs needing fast and flexible funding. Their rapid approval and funding times can be a game-changer, but be sure to factor in the higher costs and stricter requirements.
