Kapitus

Overview

Kapitus specializes in revenue-based financing and merchant cash advances for established businesses with substantial annual revenue ($250,000+). They offer high maximum advances ($5 million via MCAs) and use factor rates (1.1–1.5) for pricing across their products. Kapitus serves businesses needing substantial funding for growth, expansion, or major projects.

Key Differentiators:

• Large advances: Up to $5 million via merchant cash advances
• Revenue-based financing: Payments adjust with business performance
• Factor rate pricing: Across all products (including term loans)
• Established business focus: Minimum 24 months in business
• Multiple products: MCAs, term loans, equipment financing, SBA loans

Merchant Cash Advance Details

Factor Rates & Terms

• Factor rates: 1.1–1.5 (typical range)
• Advance amounts: $50,000 – $5,000,000
• Maximum advance: $5,000,000 (industry-leading)
• Holdback percentage: 10–20% of daily sales
• Term length: 3–24 months typically
• Renewal options: Available with sustained revenue growth

Eligibility Requirements

• Time in business: 24+ months minimum
• Annual revenue: $250,000+ minimum
• Credit score: 625–650+ (higher than many MCA providers)
• Bank statements: 6–12 months required
• Industry restrictions: Most established industries
• Business scale: Substantial operations preferred

Funding Speed

• Application to approval: 24–72 hours
• Approval to funding: 1–3 business days
• Large deal processing: May take longer for >$1M advances
• Documentation: Comprehensive for large advances

Other Financing Products

Term Loans

• Amounts: $50,000 – $750,000
• Terms: 6–36 months
• Rates: Factor rate pricing (1.1–1.5)
• Use cases: Major projects, expansion, acquisitions

Equipment Financing

• Amounts: Up to 100% of equipment cost
• Terms: 2–7 years
• Rates: 8–30% APR or factor rates
• Collateral: Equipment being financed

SBA Loans

• Amounts: $500,000 – $5,000,000
• Terms: 10–25 years
• Rates: 6–13% APR
• Processing time: 30–90 days

Invoice Factoring

• Amounts: Based on invoice value
• Terms: 30–90 days
• Rate: 1.5%+ of invoice value
• Requirements: Commercial invoices, established customers

Application Process

Step-by-Step

1. Initial assessment: Revenue analysis, business evaluation
2. Document submission: Comprehensive financial documentation
3. Underwriting review: Detailed analysis for large advances
4. Offer presentation: Factor rate, terms, repayment structure
5. Acceptance & funding: Agreement, funding appropriate to scale

Required Documents

• 6–12 months business bank statements
• Business tax returns (2–3 years for large amounts)
• Personal identification (driver’s license, SSN)
• Business financial statements (if available)
• Credit card processing statements (if applicable)
• Business plan/expansion plans for large projects

Cost & Fee Structure

Merchant Cash Advance Costs

• Factor rate fee: Built into total repayment (1.1–1.5)
• Origination fee: 2–5% for large advances
• Administrative fees: Possible for complex deals
• ACH return fee: Standard industry rates
• Early payoff: Terms vary based on deal size

Comparison to Industry Averages

Customer Experience

Ratings & Reviews

• NerdWallet: Positive review of factor rate approach
• ConsumerAffairs: Customer feedback available
• Industry publications: Recognized for large advance capability
• Customer testimonials: Positive for substantial funding

Common Praises

• Large funding capability: Industry-leading maximums
• Revenue-based approach: Payments adjust with performance
• Multiple product options: Comprehensive financing solutions
• Established business focus: Tailored for growing companies
• Factor rate transparency: Clear pricing model

Common Complaints

• High requirements: Strict eligibility criteria
• Fee structure: Multiple fees for complex deals
• Processing time: Longer for very large advances
• Limited for startups: Not suited for new businesses

Industry Specializations

Best For These Industries

• Manufacturing: Equipment purchases, expansion
• Distribution: Inventory financing, warehouse expansion
• Healthcare groups: Multiple location expansion
• Restaurant chains: Multiple unit financing
• Service businesses: Scaling established operations

Industries With Limitations

• Startups: <24 months history not accepted
• Small businesses: <$250K annual revenue not eligible
• Highly volatile industries: Unpredictable revenue patterns
• Cash-heavy operations: Limited credit card sales

Regulatory & Compliance

Licensing & Registration

• Registered: Nationwide operations, established lender
• Licenses: Licensed lender in all 50 states
• Compliance: Follows state lending regulations
• Transparency: Factor rate disclosure standard

Industry Affiliations

• Small Business Finance Association (SBFA): Member
• Commercial Finance Association (CFA): Participant
• Financial industry groups: Various affiliations

Strategic Considerations

When Kapitus Makes Sense

• Established businesses: 2+ years, $250K+ revenue
• Large funding needs: $500K–$5M financing requirements
• Growth/expansion plans: Major business scaling
• Revenue consistency: Strong, predictable growth
• Multiple financing needs: MCAs plus other products

When to Consider Alternatives

• Startups: <24 months history
• Small businesses: <$250K annual revenue
• Simple small advances: <$50K needs
• Fastest funding: Other providers offer 24-hour funding
• Lowest rates: May find better rates with smaller providers

Contact Information

Primary Contact

• Website: kapitus.com
• Phone: (800) 780-7134
• Address: 575 8th Ave, New York, NY 10018
• Email: info@kapitus.com

Application Portal

• Online application: kapitus.com/apply
• Document upload: Secure portal for comprehensive documents
• Status tracking: Deal progress updates
• Support: Phone, email, dedicated representatives

Comparison to Other Providers

vs. OnDeck

• Kapitus advantage: Much larger maximum advances ($5M vs $250K)
• OnDeck advantage: Lower requirements, faster for small deals

vs. National Funding

• Kapitus advantage: Larger advances, revenue-based financing
• National Funding advantage: Longer history, equipment financing focus

vs. Credibly

• Kapitus advantage: Massive advance capability, established focus
• Credibly advantage: Startup-friendly, lower starting rates

vs. Rapid Finance

• Kapitus advantage: $5M maximum vs $500K maximum
• Rapid Finance advantage: Faster funding, no origination fees

Final Recommendation

Overall Rating: 4.0/5 Stars

Best suited for: Established businesses (2+ years, $250K+ annual revenue) needing large financing ($500K–$5M) for growth, expansion, or major projects.

Consider if: You have substantial revenue, need large-scale funding, prefer revenue-based repayment, or have complex financing needs requiring multiple products.

Look elsewhere if: You’re a startup or small business (<$250K revenue), need small advances (<$50K), want fastest possible funding, or seek the absolute lowest rates.

Bottom line: Kapitus excels at large-scale financing for established businesses, offering industry-leading maximum advances ($5 million) through their revenue-based financing approach. While their requirements are strict (24+ months, $250K+ revenue) and fees can be substantial for complex deals, they provide unparalleled funding capacity for businesses ready to scale significantly.

Last updated: March 2026. Rates, terms, and eligibility requirements subject to change. Verify current offers directly with Kapitus before applying.