Kapitus
Kapitus offers merchant cash advances with factor rates 1.10–1.40, revenue-based financing, and funding up to $5M for established businesses with $250K+ annual revenue.
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 (1.10–1.40) 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: 1.10–1.40 (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 (1.10–1.40)
- 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
- Initial assessment: Revenue analysis, business evaluation
- Document submission: Comprehensive financial documentation
- Underwriting review: Detailed analysis for large advances
- Offer presentation: Factor rate, terms, repayment structure
- 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 (1.10–1.40)
- 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
| Metric | Kapitus Average | Industry Average |
|---|---|---|
| Minimum time in business | 24 months | 6–12 months |
| Minimum annual revenue | $250,000 | $120,000 |
| Maximum advance | $5,000,000 | $500,000 |
| Credit score requirement | 625–650+ | 550–600+ |
| Deal complexity | High | Medium |
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: [email protected]
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.
See our Kapitus vs. Fora Financial comparison and Libertas Funding vs. Kapitus comparison for full side-by-side breakdowns, or compare all 24 providers on the MCA comparison table. Use the MCA cost calculator to model Kapitus’s factor rate range against your advance amount and repayment timeline.
Last updated: June 2026. Factor rate max updated to 1.40 (June 2026 verification). Rates, terms, and eligibility requirements subject to change. Verify current offers directly with Kapitus before applying.
Ready to explore Kapitus?
Frequently Asked Questions
What credit score does Kapitus require?
Kapitus requires a minimum personal credit score of 625–650, which is higher than many MCA providers. They serve established businesses with substantial revenue ($250,000+ annually) and at least 2 years of operating history, so their underwriting reflects a more selective, institutional approach.
How fast does Kapitus fund?
Kapitus typically processes applications within 24–48 hours and funds within 3–5 business days after approval. Their process involves more thorough underwriting given the larger advance amounts, so the timeline is slightly longer than same-day MCA providers.
How much can I borrow from Kapitus?
Kapitus offers revenue-based financing and merchant cash advances from $50,000 to $5,000,000 — among the highest maximum advance amounts in the industry. Qualification is tied to annual revenue (minimum $250,000) and 2+ years in business.
How does repayment work with Kapitus?
Kapitus uses revenue-based financing with daily or weekly automatic ACH withdrawals as a percentage of business revenue. Factor rates range from 1.10 to 1.40. Renewal options are available for businesses with sustained revenue growth, and repayment adjusts with business performance.
What disqualifies a business from Kapitus?
Businesses with less than 24 months in operation, annual revenue below $250,000, or personal credit scores under 625 are ineligible. Kapitus targets established, revenue-positive businesses — startups, early-stage companies, and businesses with erratic revenue patterns are not their target market.