Kapitus Reviews: Loan Requirements, Pros & Cons - Complete 2025 Guide
Offers a Wide Array of Financing Options.
Fast Funding Process: Can be within 24 hours after approval.
Tailored loan packages to meet specific business goals.
Absolutely great customer service. Jim is such a professional and was able to get us funding. Thanks Jim and Upwise Capital.
Craig went above and beyond to get this deal done! I would highly recommend UpWise Capital if you're looking for a broker to get investors onboard.
Craig made himself available all the time, he was very attentive, professional and easy to work with. Highly recommend!
We worked with Leo for our line of credit. We are a trucking company an can be a challenge to secure financing. The process was smooth and fast funding. Our only complaint would be that Leo was a little impatience when it came to our decision making. We are very thankful for the funding and would do business with them again. Thanks,
Upwise
Upwise
Leo got us a line of credit loan very quickly to help with expenses we incurred during our new business building purchase.
You are always hesitant when working with a finance firm to borrow money to grow your company But, I highly recommend Upwise Capital. Lou and Marc went out of their way to ensure everything was taken care of. Very professional in all steps taken to secure the financing I needed. I look forward to continuing the business relationship.
I rarely write reviews, but my experience with Leo was absolutely. Leo was patient, knowledgeable, and extremely responsive. During a hectic work week he continued to bare with me to be sure that i had all the information I was requesting. He got me the capital I needed within one day. I highly recommend this company!
Kapitus at a Glance: Key Features and Services
Kapitus is a leading business lending company that provides fast and flexible financing solutions to small businesses. With a commitment to empowering entrepreneurs, Kapitus offers a variety of loan products, including working capital, equipment financing, and business lines of credit. Their KapitusPLUS process ensures that businesses receive personalized financing options to meet their unique needs, making them a trusted choice for business owners across various industries. Kapitus supports clients throughout their business journey, emphasizing long-term relationships and a collaborative approach to financing solutions.
Quick Facts About Kapitus:
- Founded: Strategic Funding Source, Inc., operating as Kapitus, was established in 2006.
- Loan Products: Business loans, SBA loans, equipment financing, business lines of credit, revenue-based financing, invoice factoring.
- Loan Amounts: Up to $5,000,000 (varies by product).
- Funding Speed: Receive funding within 24-72 hours of approval.
- BBB Rating: A+
What You’ll Learn in This Review:
- What is Kapitus?
- How does Kapitus work?
- Loan products, terms, and eligibility requirements.
- Pros, cons, and comparisons with other lenders.
- Frequently Asked Questions (FAQs).
What is Kapitus?
Kapitus is a reputable business funding company that connects small businesses with financing solutions tailored to their specific needs. Whether businesses require funds for equipment, working capital, or expansion, Kapitus offers a wide range of loan products designed to meet short-term and long-term financial needs.
Available Loan Products:
- Business Loans – Flexible loan options for growth and day-to-day operations.
- Equipment Financing – Purchase or lease equipment without impacting cash flow.
- Business Line of Credit – A revolving credit line for ongoing financial needs.
- Revenue-Based Financing – Fixed-cost financing based on sales history.
- SBA Loans – Long-term, low-interest loans for larger investments.
- Invoice Factoring – Advance funding on unpaid invoices.
Industries They Serve:
Kapitus works with businesses in a variety of industries, including:
- Healthcare
- Retail
- Restaurants
- Construction
- Professional services
- Manufacturing
How Does Kapitus Work?
Kapitus simplifies the business loan application process through its KapitusPLUS platform, which combines advanced technology with personalized service. Borrowers can submit one application to receive multiple loan offers, saving time and helping them choose the best option for their financial needs. The Kapitus team is extremely professional, ensuring a smooth and efficient process for all clients.
Key Features of Kapitus’ Process:
- Streamlined Application: Apply online in minutes.
- Loan Offers: Receive up to six competing offers to compare terms and costs.
- Fast Approval: Get approved within 24 hours.
- Quick Funding: Funds are deposited directly into your business bank account within 24-72 hours.
Kapitus’ process ensures a stress-free financing experience, helping businesses secure the capital they need quickly.
Kapitus Financing Products
Kapitus
Business Loans
- Loan Amounts: Up to $5,000,000
- Repayment Terms: Vary based on loan type.
- Uses: Expansion, payroll, inventory, or operational needs.
Kapitus’ flexible business loans are perfect for small businesses looking for short-term and fast access to capital.
Kapitus
Equipment Financing
- Loan Amounts: Up to 100% of equipment value.
- Repayment Terms: 12 to 60 months.
- Uses: Purchase or lease equipment, such as machinery, vehicles, or tools.
With equipment financing, businesses can acquire essential tools without depleting their cash reserves.
Kapitus
Business Line of Credit
- Loan Amounts: Up to $250,000
- Terms: Revolving credit; pay interest only on what you use.
- Uses: Manage cash flow, handle seasonal expenses, or cover unexpected costs.
A business line of credit provides flexible access to funds for ongoing or emergency needs.
Kapitus
Revenue-Based Financing
- Loan Amounts: Based on recent sales history.
- Repayment Terms: Fixed remittances tied to revenue.
- Uses: Ideal for businesses with fluctuating income or seasonal sales.
This product helps businesses access funding without the burden of fixed monthly payments.
Kapitus
SBA Loans
- Loan Amounts: Up to $5,000,000
- Terms: Long-term repayment options with low interest rates.
- Uses: Business expansion, real estate, or large purchases.
SBA loans are government-backed, making them a great choice for businesses seeking affordable, long-term financing.
Kapitus
Invoice Factoring
- Loan Amounts: Based on unpaid invoices.
- Uses: Improve cash flow by converting unpaid invoices into immediate funds.
Invoice factoring is ideal for businesses that need to access capital tied up in accounts receivable.
Kapitus Funding Requirements
Here is the basic criteria your business must meet for Kapitus requirements:
- Time in Business: At least 12 months.
- Credit Score: Minimum credit score of 600.
- Annual Revenue: $100,000 or more.
- Required Documentation: Bank statements and business tax returns.
What You Need to Know
A few things to know when considering Kapitus business loans:
- Transparent fees; origination fees may apply depending on the loan product.
- Early repayment options are available for most products.
- Terms vary by product, ranging from 6 months to 10 years.
How to Apply to Kapitus
Kapitus Application Process
Step 1: Complete the Online Application
- Fill out a simple online application on the Kapitus website.
- Provide basic business information, including revenue and time in business.
Step 2: Review Loan Offers
- The KapitusPLUS process provides multiple loan options.
- Compare loan terms, fees, and total costs to find the best fit.
Step 3: Accept Your Funding Offer
- Choose the loan product that aligns with your goals.
- Receive funding within 24-72 hours after approval.
Pros & Cons of Kapitus
PROS
CONS
Apply Now for Business Financing
- Access term loans, lines of credit, working capital & more
- Secure the terms and conditions that make sense for you
- Apply for working capital and cash flow funding to cover inventory, marketing and operations
Stay ahead of the curve - get access today!
Upgrade your capabilities with specialized financing for almost any industry.
Why Choose Upwise Capital
Quick & easy application
Our simple 15-minute application gets you on your way to funding quickly. Most applicants receive a fast decision within hours of applying. Then just choose your loan terms and you could have funds deposited into your account as soon as 24 hours.
Ensure you make the wise choice
Every Upwise applicant gets a dedicated funding advisor who takes the time to understand your business and it's unique needs. We are here for your support throughout the entire funding process.
Access multiple financing options
Upwise has an extensive product suite and a network of business line of credit lenders. This means you're more likely to find the best match for your funding needs.
Is Kapitus Legit?
Yes, Kapitus is a legitimate business lender with nearly 20 years of experience in providing financing solutions to small businesses. Their personalized service and flexible loan options make them a trusted partner for entrepreneurs.
If Kapitus doesn’t meet your requirements, consider exploring Upwise Capital for alternative financing options tailored to your business needs.
Kapitus Frequently Asked Questions - FAQ Frequently Asked Questions - FAQ
What other lenders compare to Kapitus?
- OnDeck: Offers similar fast funding but focuses more on term loans and lines of credit.
- Credibly: Provides working capital loans and merchant cash advances with relaxed credit requirements.
- BlueVine: Specializes in invoice factoring and lines of credit for businesses with fluctuating cash flow.
What Happens After Applying with Kapitus?
Once you apply, the Kapitus team will provide multiple loan options. After choosing the best option, funds are deposited into your bank account within 24-72 hours.
Does Kapitus report to credit bureaus?
Yes, depending on the loan product, Kapitus or its partners may report repayment activity to credit bureaus, which can help in building and improving your business credit.
How do I manage my loan with Kapitus?
You can manage your loan through the Kapitus login portal, where you can view your balance, repayment schedule, and other account details.
What is the customer experience like with Kapitus
Kapitus reviews highlight the company’s great communication, quick response times, and tailored loan solutions. Customers appreciate the whole process being seamless and the Kapitus team helping them secure funds quickly.
Trustpilot Rating: Not stated on the website.
Common Complaints: Some users mention higher fees for certain loan products.
Is Kapitus Legit?
Yes, Kapitus is a legitimate business lender with nearly 20 years of experience in providing financing solutions to small businesses. Their personalized service and flexible loan options make them a trusted partner for entrepreneurs.
If Kapitus doesn’t meet your requirements, consider exploring Upwise Capital for alternative financing options tailored to your business needs.
Kapitus: Final Verdict
Who Should Consider Kapitus?
- Businesses needing fast funding with flexible terms.
- Companies looking for working capital loans or equipment financing.
- Small businesses seeking personalized loan solutions.
Who Should Look Elsewhere?
- Startups with less than 12 months in business.
- Businesses seeking low-interest, long-term loans through traditional banks.
Tips for Success with Kapitus
- Prepare all required documentation before applying.
- Use the KapitusPLUS process to compare multiple loan offers.
- Work with a financing specialist to clarify loan terms and fees.
- Repay loans early if possible to save on interest.
Disclaimer:Â Kapitus trademark is owned by Strategic Funding Source, Inc. dba Kapitus and its use herein is for reference purposes only. This does not indicate sponsorship or endorsement from Strategic Funding Source, Inc.