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Kapitus Review: Expert Analysis & User Insights for 2023

Kapitus is a direct lender that offers a wide range of small business loans for borrowers with a 625 credit score and at least $250,000 in average annual revenue. Options include equipment financing, revenue-based financing, lines of credit, SBA loans, invoice factoring, and more.

Kapitus review
Min. Credit Score
Min. Credit Score 625+
Loan Amount
Loan Amount Up to $5 million
Loan Repayment
Loan Repayment Not disclosed
Holly D. Johnson
Award-Winning Personal Finance Contributor

Reviewed by: Sarah Brooks, Personal Finance Writer and Editor

Fact Checked by: Dr. JeFreda R. Brown, Financial Expert


Many or all of the products featured here are from our partners who compensate us. This may affect which companies we write about and where the company appears on a page. However, any analyses or reviews expressed in this article are those of the author alone and have not been approved or endorsed by any partner.

Expert Reviewer Verdict

If you’re looking for a small business loan with a simple, straightforward application process, high borrowing limits and a growing reputation for good customer service, Kapitus might be the one for you. Plus, credit score requirements aren’t too onerous and you can qualify for several loan types based on income criteria.

However, it can be difficult to know the full cost of your loan before you apply. Rates and terms are vague and you’ll need to contact the customer service team to find out more details. Still, it’s free to apply and your credit score won’t take a hit for simply looking at offers.

Summarized Ratings

Loan Features4.2
Interest Rates & Fees2
Qualification Leniency2.4
Application Process4
Customer Support4
User Reviews4.4
This parameter considers loan terms, repayment optionality, and loan limits. For each financing arrangement offered, each of these features was evaluated using the five-point scoring system. Then, the various scores were aggregated and averaged to establish an overall loan features score.

Kapitus gets a 4.2 for Loan Features. This well above average score reflects a broad offering of loan terms, flexible loan limits, and highly accommodative repayment options.

What Is Kapitus?

Kapitus provides fast and affordable financing so you can run and grow your small business. Kapitus offers eight loan products directly, but they also have a network of lending partners to allow you to choose the small business loan that’s right for you. And rather than charging an interest rate, they instead charge one fixed fee that does not change over the life of the loan. The fee is determined by your credit score, your industry, your annual revenue and length in business, and the terms of the loan that you choose.

Kapitus also has excellent customer service agents on hand to provide advice on how its loans can stabilize your cash flow, help consolidate debts, hire more employees, and expand your operations.


Kapitus Pros and Cons

Wide range of loan options
Five-minute application
Funding within 24 hours of loan approval
No prepayment penalties
Reasonable credit requirements
Unclear rates and terms
May have additional fees
High income requirements

Kapitus Loan Features

With an impressive eight loan types to choose from, Kapitus offers flexibility when it comes to their small business loans. The platform offers relatively high borrowing amounts and a respectable range of terms. However, it’s difficult to find detailed information on exact rates before you apply.

That being said, we’ve found that across all loan types, you’ll generally be paying a rate of 5.99% to 18.00% on average.

Small Business Loans

This offering from Kapitus works like a traditional term loan, where you receive the money upfront and make fixed payments over the life of the loan. Borrowing limits are quite generous, but eligibility criteria are a little higher than other lenders.

Term lengthUp to five years
Repayment periodDaily, weekly, or monthly
APR rangeAs low as 6.25%
Min - Max amountUp to $5 million

Equipment Financing

Equipment financing is used to purchase a specific piece of equipment, including vehicles. You’ll need to provide an invoice as proof of the equipment purchase, and the asset will be used to secure your loan. Kapitus equipment loans come with the added benefit of being eligible for a Section 179 tax deduction, too.

Term lengthUp to five years
Repayment periodMonthly
APR rangeNot disclosed
Min - Max amountUp to cost of equipment

Note: If you’re financing under $150,000 for equipment, you’ll only need to submit your application and invoice. No additional paperwork will be required.

Helix Healthcare Financing

Helix loans are specifically geared towards funding medical practices. Often considered a high-risk industry by other lenders, Kapitus has no issue offering a range of different loan products under its Helix Healthcare Financing Program.

Term length6 months to 10 years
Repayment periodMonthly
APR rangeNot disclosed
Min - Max amount$10,000 - $1 million

Invoice Factoring

A popular choice for businesses with cash flow issues, invoice factoring allows you to borrow against your unpaid invoices. You receive cash now and repay the loan when your customers pay their invoices.

Term lengthFlexible
Repayment periodOn receipt of payment from your customers
APR rangeNot disclosed
Min - Max amount$200,000 - $7 million

Line of Credit

Probably the most flexible type of small business loan, a line of credit allows borrowers to draw on only the amount they need up to a maximum amount. You’ll only pay interest on the amount you borrow, but will usually pay an administration fee to keep the account open.

Term lengthVaries
Repayment periodMonthly
APR rangeNot disclosed
Min - Max amount$10,000 - $250,000

Purchase Order Financing

Purchase order financing is a type of lending where Kapitus will pay your suppliers directly for inventory and materials. In order to use it, you must be a business-to-business or business-to-government company. It’s intended to be used to cover short-term emergencies or times when you might have an increase in orders.

Term lengthNot disclosed
Repayment periodNot disclosed
APR rangeFactor rates from 1.25%
Min - Max amount$200,000 to $7 million

Revenue-Based Financing

Revenue-based financing is based on business sales, not personal credit. It works similarly to a merchant cash advance. Although, instead of taking a percentage of your credit and debit card sales, Kapitus will take a percentage of all revenue, including cash-based transactions. This usually means you’ll be able to borrow more, but interest rates could still be high.

Term lengthNo set terms
Repayment periodDaily, weekly, or biweekly
APR rangeNot disclosed
Min - Max amount$10,000 - $500,000

SBA Loans

An incredibly popular choice for small businesses, SBA loans are backed by the federal government and come with impressively low interest rates. However, eligibility criteria tend to be strict and you’ll need to provide more documentation than with other options. Plus, it could take up to three months to get funded.

Term lengthUp to 25 years
Repayment periodMonthly
APR rangeAs low as 6.25%
Min - Max amountUp to $5 million

Kapitus Interest Rates and Fees

Kapitus keeps its fee and interest rate information confidential, and won’t disclose any exact numbers until you actually apply. This is becoming more common among lenders as the criteria varies from customer to customer. However, borrowers have noted that you’ll tend to find origination fees between 2.5% and 5%, and a number of additional administrative charges on certain loan types.

If you’d like to know more, we recommend you get in touch with the Kapitus customer service team.

How to Qualify for a Kapitus Loan

Kapitus has very clear qualifying criteria set out for each of its loan types. Credit score requirements are a little higher than those found at competitor lenders, so it’s not the best platform if you have a chequered credit history. Kapitus also doesn’t cater to startups, as most loan products require at least two years of business experience.

Small Business Loans

Minimum credit score625
Minimum annual revenue$250,000
Minimum time in business2+ years

Equipment Financing

Minimum credit score675
Minimum annual revenueNot disclosed
Minimum time in business3+ years

Helix Healthcare Financing

Minimum credit score600
Minimum annual revenue$120,000
Minimum time in business6+ months

Invoice Factoring

Minimum credit scoreNot disclosed
Minimum annual revenueNot disclosed
Minimum time in businessNot disclosed

Line of Credit

Minimum credit score650
Minimum annual revenue$180,000
Minimum time in business2+ years

Purchase Order Financing

Minimum credit scoreNone
Minimum annual revenueNot disclosed
Minimum time in businessNot disclosed

Revenue-based Financing

Minimum credit score625
Minimum annual revenue$250,000
Minimum time in business2+ years

SBA Loans

Minimum credit score685
Minimum annual revenue$250,000
Minimum time in business2+ years

Kapitus Loan Application Process

Kapitus offers free quotes for their small business loan options. However, you will need to speak with an agent first or move forward with the complete application. To start the process, you'll fill out the small sample form on the Kapitus website.

This form asks applicants to supply information such as:

  • Business name
  • Business industry
  • Credit score range
  • Email address
  • Phone number
  • Annual business revenue estimate
  • Years in business
  • State business operates in

If you decide to move forward with the application, you'll be taken to another page on the Kapitus website. This point of the process requires you to share more relevant details about yourself and your business, as well as the amount and type of funding you're hoping for.

Here, applicants are asked to upload relevant documents for their small business loan. Documents may include:

  • Personal and business resumes
  • Bank statements
  • Loan application history
  • Profit & loss statements
  • Income tax returns
  • Business lease, if applicable

Applicants can get approved for financing in as little as four hours and funded within 24 hours of approval.

How Kapitus Determines the Loan Amount

By reviewing the eligibility criteria, we can see that your credit score will play a major role in the calculation of your loan amount, followed by your annual business revenue. Contacting customer service may give you a better idea of what to expect.

Kapitus Customer Support

Kapitus offers a fairly standard customer service solution, operating a helpline and an email account. The platform encourages borrowers to ask any questions they’d like, and agents are on hand to help you deal with issues throughout the lifetime of your loan.

In addition, you’ll find a helpful blog packed with information on all topics lending-related, including how to save a small business on the brink of closure, how to optimize revenue streams, and general tips to grow your business.

Kapitus Loan Reviews

Kapitus has a respectable 4.7 stars out of 5 on Trustpilot and 4.6 out of 5 on Google reviews. Between the two platforms, there are around 700 reviews (and growing).

Customers are impressed by the performance of individual service agents, the quick and easy application process, and the advice provided on specific loan types. Others appreciate the speed at which funding is disbursed and the help provided at every step of the process.

In rare instances of criticism, customers have complained about the lack of transparency when it comes to rates and terms.They also mentioned high fees and unsolicited calls after submitting personal details.

Positive ReviewsNegative Reviews
Customer service tailored to each loan typeUnclear rates and terms
Fast funding timesHigh fees

Kapitus Perks and Bonuses


Kapitus offers several different loan options and repayment plans, and the company claims that it's fairly easy to be approved for a loan with favorable rates and flexible payback terms. Unfortunately, Kapitus does not offer a rewards program or any specific discounts. Further, the company does not let you modify the terms of your loan after the fact.


Kapitus maintains a professional website that lists plenty of details about their loan offerings and approval requirements. In fact, they state clearly on their homepage that their loans are available for borrowers with a credit score of at least 625 and average annual business revenue of $250,000 or more. The company only had five complaints with the Better Business Bureau (BBB) over the last three years, and each of those complaints has been closed.

As far as exact rates and fees, those are not disclosed on the website. Because fees vary so much between customers, it’s best to apply in order to see your specific options.


While Kapitus does not have their own mobile app, the website does have mobile functionality. Generally speaking, payments made to Kapitus will be automatically drawn on your behalf from your business bank account.

Final Thoughts

Kapitus offers several small business funding solutions with competitive industry rates, a five-minute application, and flexible loan terms to meet your needs. Eligible borrowers can be approved for a loan in as little as four hours.

Holly Johnson

Written by: Holly Johnson

Personal Finance Expert

Holly Johnson is an award-winning writer who covers personal finance topics such as insurance, loans and loan products, budgeting, credit cards and loyalty programs.

More about me
Sarah Brooks

Reviewed by: Sarah Brooks

Personal Finance Writer and Editor

Sarah Brooks is a personal finance writer and editor with more than 10 years of experience. She specializes in personal and business loans, mortgages, auto loans, and credit cards.

More about me
Dr. JeFreda R. Brown

Fact Checked by: Dr. JeFreda R. Brown

DBA, CFEI and a highly respected expert in personal and business finance

Dr. JeFreda R. Brown is more than a financial consultant: she’s an avid teacher and subject matter expert who helps people—individuals and groups in a business setting—master the skills they need to achieve lasting financial wellbeing.

More about me