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Kapitus Funding Review – Pros & Cons, Payback Terms, Rates (2021)

Kapitus is a direct online lender who finances small businesses. The main product of Kapitus Funding is a business loan, equipment financing, healthcare financing, business line of credit, invoice factoring, purchase order financing, revenue-based financing, SBA loans. And all the funding processes of Kapitus are done in-house and online. You can borrow $10,000 t0 $5,00,000. But the online lender is not out of some cons. The funding institute has some cons as well.

Hi there, today I am going to review Kapitus Funding. In this review, I will try to give you a clear idea about all the pros & cons of Kapitus, interest rates, payback terms, qualifications, how to apply for a loan, and more.

Kapitus Pros

Let’s take a look at the upsides of Kapitus Funding. It will help you to make a better decision and compare with other online lenders for small business financing.

1. Fast Approval

Approval time is really very important for funding, especially when you need money as soon as possible. The online lender takes a couple of hours to give you an offer. If you are pre-qualified it will ask you for additional paper works and if you are not qualified they will let you know or you will see an update on the dashboard.

2. Fewer Documents

We already know online lenders require less paperwork than a traditional bank. The Kapitus Funding requires less paperwork. If you apply for a business loan to a traditional bank it will ask you for a lot of papers and documents.

3. 100% Online

Application to payments all the funding processes are done online. So you don’t need to waste your time by visiting the lender’s office. And it is one of the plus points for business owners who don’t have extra time to get a business loan.

4. No Personal Geurantee

If you work with a bank or mortgage lender, a personal guarantee is needed. But when you work with an online lender like Kapitus, Credibly, or Bitty Advance you don’t need to put any collateral. It is a kind of unsecured funding.

5. Quick Funding

My experience says, most small business owners take a loan when they need emergency extra working capital or want to expand the business. And most of them don’t have a good credit score and much deposit, as a reason they got declined from a traditional loan. Besides when you will work with a traditional bank it will take two to three months.

6. Good Customer Care

I worked with more than 10 online lenders and if you ask me about Kapitus Funding customer care support. Then I will say 9 out of 10. Kapitus funding has really great customer care support.

7. In-house Funding

You may know there have hundreds of brokers in the market. They claim they are not a broker they are lender but the end of the day this brokers work with direct lenders and earns a commission. But Kapitus is a full-service direct lender. All the funding processes are done in-house. So you are getting cheap money.

8. Multiple Financing Options

Most of the online lender for the small business owner offers merchant cash advance or MCA. And the cost of capital is too high. But Kapitus Funding has multiple financing options. They have different loan programs for different business categories.

Downsides of Kapitus Funding

As I have working experience with Kapitus Funding, I found some cons of this online lender. And now I will share with you. Well, let’s have a look at the downsides of Kapitus Funding. And I

1. Minimum Credit Score Required

If you are planning to apply for a small business loan to Kapitus Funding, then you must know their required credit score is 625. It means if you apply for a loan then you must have at least 600 or more personal credit scores. Otherwise, you will be declined.

2. Minimum Deposit

The online lender doesn’t work with a low deposit file. Their minimum required deposit is 25 thousand. It means you must have a 25 thousand monthly deposit into your business checking account.

3. High-Interest Rate

The interest rate is higher than a traditional bank and mortgage lender. Besides, you have to pay some extra fees like origination fees and processing fees. So it makes your cost of capital high.

4. No Mortgage Loan

Another downside of Kapitus is they don’t have any long-term or mortgage loan programs. Nowadays most small business owners look for mortgage loans. If you need a business mortgage loan or term loan then you can take a look at August Funding Group.

Kapitus Interest Rate & Payback Terms

Kapitus interest rate is anywhere between 3% to 18%. But they have an extra number of origination fees. And the payback terms are anywhere between 6-18 months. You can borrow up to 5 million business loans.

Is Kapitus Legit Or A Scam?

Kapitus is a 100%, legit online lender they are not a scam. The online lender is based in New York and provides business loans to small businesses. The lender has multiple loan programs for small businesses.

Kapitus Fuinding Qualification

If you want to get loan approval from Kapitus you must meet the following requirements:

  1. 625 or more personal credit score.
  2. Two years in business.
  3. Business checking account.
  4. Average monthly revenue 20000 or more (into your business checking account).

How To Apply

It is really easy to apply for a loan. You just need to visit Kapitus official website and you will find apply now button at the top. Now click and you will find an application. Just fill it out with some basic information about you and your business. Once the application is done you will see an update. Or a funding advisor will call you and help you out to complete the funding process.

Kapitus Alternatives

The best Kapitus alternatives are Credibly Finance, OneDeck, Kabbage, Rapid Finance, Fundbox, Bitty Advance. If you are looking for a better rate than Kapitus you can take a look at Credibly. For less daily payback look at Bitty Advance.


Kapitus address is 120 W 45th Street, New York, United States.

Customer Service

kapitus Customer care service number is +1 880 780 7133; email address is

Our Review On Kapitus Funding

Well, in line still now Kapitus is one of the best online lenders for small businesses. If you are looking for emergency working capital or another purpose you can work with the lender. From our side, the rating of Capitas is 9 out of 10.


Kapitus is a good online lender. But if you already have time and an excellent credit score. You can simply get a loan from your bank with a better rate and terms than an online lender.

Dear visitor if you have any questions or opinions on this review feel free to ask us.

You can read more about the top bridge loan lenders in the USA.

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