Kapitus Logo

Loan Amounts


$5,000 - $5,000 000

Minimum revenue


$250,000 on average per year

Min. Credit Score



Funding Time


24 hours

Editorial Rating

Kapitus Logo

Editorial Rating

Kapitus Review

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Loan Amounts


$5,000 - $5,000 000

Minimum revenue


$250,000 on average per year

Min. Credit Score



Funding Time


24 hours

Payment terms


up to 5 years

BBB Rating



Founded in



Kapitus Logo

Editorial Rating

Finding the right financing option for your small business can be tough. Banks and traditional finance companies make you jump through so many hoops that it takes forever to get your money. Non-traditional lenders offer a faster alternative but may charge exorbitant interest rates.

Kapitus claims to be different, offering businesses access to financing quickly and easily.

But does it deliver? We’ve scoured thousands of Kapitus reviews in search of an answer. Read on for a comprehensive review of the company and its financing options.

What Is Kapitus?

Kapitus is a US-based private lender catering to small businesses. It’s had a rocky past. The firm, formerly known as Strategic Funding, was the subject of a $5,000,000 class-action suit in 2018. The plaintiffs claimed that it practiced predatory lending and charged exorbitant interest. The matter was settled out of court.

Since then, the firm has undergone a complete rebranding process. While still under the umbrella of Strategic Funding Source Inc, it changed its trading name to Kapitus. It has since worked hard to establish a reputation as the best lender in the United States.

Who Is Kapitus Best For?

Companies looking for fast, easy credit will appreciate the secure options the company offers.

Kapitus serves small to medium businesses, many of whom have a good credit history. The range of products that the company offers is extensive, meaning that there’s a financing option for almost everyone.

Based on Kapitus reviews, the company allows some low credit lending but may require collateral in such cases.

Kapitus doesn’t specifically market a bad credit loan. Businesses with FICO scores of under 600 won’t qualify for most products. They may, however, qualify for revenue-based financing or invoice factoring.

The company serves a wide range of industries. These include:

  • Agriculture
  • Contractors
  • eCommerce
  • Hotels
  • Manufacturers
  • Medical
  • Restaurants
  • Wholesalers
  • Automotive
  • Construction
  • Transportation
  • Towing

Terms & Requirements

Kapitus only caters to borrowers in the United States, and the loan requirements and terms differ for each type of loan. The company offers both secured and unsecured lending. Which one your loan falls under depends on your credit rating.

Kapitus typically offers loans between $5,000 and $5,000 000. You’ll need to discuss this with your loan consultant before finalizing everything.

The repayment terms range from three months to five years, depending on the product. Clients may opt to pay daily, weekly, bi-weekly or monthly. Funds are typically drawn directly from your business bank account.

According to the Kapitus news and site, the requirements for each financial product are as follows.

Revenue-based financing

To apply for revenue-based financing with Kapitus, you must meet the minimum credit score requirement of 625. Moreover, your business must have been operating for at least two years with an average annual income of $250,000.

The process is fast, making this an excellent way to borrow money online. You’ll usually have an answer within one business day and receive funds within one week. The payments will represent a percentage of your daily or weekly income.

Helix healthcare financing

This funding gives those in the healthcare industry ready access to working capital. It’s designed to provide bridging finance for practitioners waiting for insurance payments. The funds are usually available within three days.

You may borrow from a minimum loan amount of $10,000 to a maximum loan amount of $1,000,000. You may repay your loan over a period of six months to ten years, weekly or monthly.

Business loans

Kapitus offers several types of business loans. It doesn’t, however, provide unsecured loans for bad credit. Instead, it offers short-term or long-term loans, fixed installment loans, or revenue-based repayments.

The rates are based on your business score, revenue, and whether or not you need collateral. To qualify, your business needs to have a minimum of $250,000 in annual revenue.

Kapitus has a handy tool that allows you to narrow down the types of business loans you need.

SBA loans

The government-backed SBA loans go from $100,000 to $5,000,000. They’re not the same as business loans for bad credit because businesses must prove their creditworthiness. The terms range from six months to 25 years.

The process of obtaining a loan is long because of the paperwork required. You’re looking at a minimum of 14 days to get your money (if you apply for the SBA Express Loan program).

The interest rate ranges from Prime plus 2.7% to Prime + 3.7%. As for the purpose of the loan, you can use it for anything you need. Businesses may use it as bridging finance for debt consolidation, working capital, equipment, or commercial property financing.

With favorable loan terms and a government guarantee, an economic injury disaster loan is difficult to get. You’ll have to meet the following criteria to qualify:

  • Be an established, US-based business
  • Have a personal FICO score of at least 680
  • Already have established a credit record for your company
  • Have been in business for at least two years
  • Running a profitable business

Business lines of credit

A line of credit is a revolving credit facility that works in a similar way to credit cards. You’ll have to service the interest and make the minimum monthly payments as with any other loan. The difference between a line of credit and a typical installment loan is that here, you can draw down money as and when you need it.

Kapitus only charges you interest on the outstanding balance. It’s less stringent about your credit history with this product. Kapitus will determine how much you can borrow by looking at your credit history and your business’s average revenue.

Approval is quick, with funds usually available within a couple of days.

Invoice factoring

Invoice factoring is essentially selling off your outstanding commercial invoices. It’s designed to help small business owners ease cash flow problems or raise emergency funding. This type of financing differs from your typical loan because you don’t pay interest. Instead, Kapitus advances you a percentage of the invoice value.

In exchange, you sign over the rights to collect on the invoice. When your client pays, the full amount of the invoice goes to Kapitus.

Factoring might be a good option for businesses with poor credit. Here Kapitus pulls the credit rating of your commercial client rather than your own.

You’ll have to provide:

  • Your accounts receivable or payable aging report
  • Business registration papers denoting ownership
  • Your personal or corporate tax return and financial statement
  • Equipment financing

This type of funding is great for business owners who want to expand their business.

You can qualify for equipment financing with Kapitus if:

  • You have an excellent credit score of 775+ and have been in business for at least a year
  • You have a credit score of at least 675 and have been in business for more than three years

The application process is straightforward. All you’ll need to do is complete the application form and upload a copy of the invoice from your supplier.

On approval, Kapitus will pay the funds directly to your supplier.

Purchase order financing

Purchase order financing is a good funding source for businesses wanting to expand and take on new clients. It’s an alternative to seeking investor financing and allows you to take on new clients without worrying about how to service your current orders. When you receive the money, you’re supposed to use it to pay your suppliers.

The credit requirements are not as strict as for installment loans, but the amount you qualify for depends on your gross margin. If it’s high enough, you may be eligible for 100% of supplier costs. Furthermore, there is no personal credit score requirement for this type of funding.

Getting Started With Kapitus

Head over to the Kapitus website. Once there, you’ll have to fill out a free application form.

Unlike most lenders who ask just a few questions to prescreen you, Kapitus has a quite comprehensive form you need to fill in. However, the company does this to speed up the loan approval process.

Kapitus requires the following information:

  • Your business information:
    The desired loan amount
    Loan purpose
    Business name
    Business address (physical address, zip code, city, state
    Business type and industry
    Business start date
    Annual revenue of your business
    Tax ID
    Business website
  • Your personal information:
    First and last name
    Date of birth
    Phone number
    Home address (street, zip code, city, state)
    Estimated credit score
    Social Security number
    Whether you have an existing loan
    Business ownership percentage
  • Documents (bank statements, required for faster approval)

When you submit your application, you will receive a call from a consultant shortly. They will then discuss your loan eligibility and options. Once you’ve confirmed which financing option you prefer, they’ll complete the application process.

The supporting documents depend on the type of loan. You’ll usually need to provide your three latest bank statements, the previous year’s tax return, and the details of three trade references.

The company provides a Small Business Financing Checklist to ensure you have all the requisite documents. Upon final approval, you’ll get the loan agreement laying out the terms.

User Reviews

Formerly called Strategic Funding, now Kapitus, reviews of the company are at both ends of the spectrum.

The Kapitus BBB rating is A-, though the company is not BBB accredited. Clients have also given Kapitus a pretty high rating on Trustpilot.

Users generally fall into one of two categories – they either love the service or hate it. When we started our research, the class-action suit filed against the Strategic Funding Group did raise some red flags.

To sum up, the majority of the negative reviews are from customers complaining about delayed funding, high fees, and poor customer service.

Most clients seem to have had a positive experience, judging by the number of positive Kapitus reviews. They praised the speed and efficacy of the whole process.

Rates & Fees

Since Kapitus offers multiple financing options, the particular fees will depend on the product you are applying for. In addition, your credit score, revenue, industry, and other variables pertaining to your business will affect the overall cost of your financing.

Your loan consultant will explain the estimated annual percentage rate of the loan rate when they present your offer. We recommend reading the offer carefully before you accept it so that you know what you’re getting yourself into.

Privacy & Security

As with many financial services, the site uses a gateway provider. Therefore, it doesn’t store or process transaction information on company servers. It protects your data with secured networks and good encryption codes. Any sensitive information is further protected via SSL technology.

Employees only have access to systems that they need to do their job. The company limits access to the system as much as possible.

Clients requesting and signing in for a loan have minimal access to the resources on the website.

Customer Support

You may contact Kapitus via phone or by email. It also has profiles on LinkedIn, Twitter, Instagram, Facebook, and YouTube.

For any questions about your loan, you can simply contact the consultant assigned to you upon applying.

Kapitus Alternatives

What are the best alternatives for funding?

Kapitus vs. Fundera

Kapitus is a direct lender, so you’ll only get one loan offer from it. If you think peer-to-peer lending might suit you better, Fundera is a good option. Read any lending platform review, and you’re bound to find Fundera listed.

The company is popular because it offers different financing options and is more transparent about its fees. It works with a large network of reputable partner lenders.

Kapitus vs. BlueVine

The number of Kapitus funding options blows BlueVine out of the water. However, BlueVine offers loans up to $3 million. Moreover, it doesn’t charge an origination fee, has a fast turnaround time, and also offers unsecured lending.

Kapitus vs. Kabbage

Kapitus may not be such a good option for businesses with bad credit, as they might not qualify for a loan with the company. Meanwhile, Kabbage reviews highlight the company as being a good lender for those with bad credit. The company offers lines of credit, invoice factoring, and PPP loan options.

Final Verdict

The company went through a rough patch. It has since cleaned up its offers and rebranded with technology-powered financial services. On the upside, Kapitus offers a broad loan range. It is not as strict as a bank tends to be and has a better turnaround time.

Kapitus’ specialist healthcare product and flexible loan repayment options make it an innovative lender. Businesses may also access SBA loans through the company.

But is Kapitus the best option? If your business has strong credit, possibly not. Kapitus doesn’t offer the best rates. If you need funding fast or have some credit issues, it’s worth applying. The company charges reasonable rates on low credit loans.

Overall, the majority of Kapitus reviews are positive, so we’ll give it a thumbs up.


  • Offers SBA loans
  • Fast turnaround time
  • Many different options
  • Easy application process


  • More expensive than banks
  • Not transparent about the fees
  • You won’t know the interest rate until you apply
Kapitus Logo

Editorial Rating


Is Kapitus legit?

Yes. The company is registered and has a California Finance Lenders License. It doesn’t score as highly as some of its competitors on TrustPilot, but that’s not everything. If you look at Strategic Capital reviews, for example, Strategic Capital Partners scores higher on Trustpilot. They’re not, however BBB-rated.

Is Kapitus safe?

Yes. Based on some of the negative Kapitus reviews, we advise borrowers to do their due diligence, however. The less stringent lending criteria makes it a lot easier to get loans. Firms should borrow only if essential as it’s easy for them to overextend themselves.

What kind of financing does Kapitus provide?

Kapitus funding products include:

Revenue Based Financing
Helix Healthcare Financing
Business Loans
SBA Loans
Line of Credit
Invoice Factoring
Equipment Financing
Purchase Order Financing

Is Kapitus linked to Strategic Funding Source (SFS)?

Yes. SFS changed its name to Kapitus.

Is it easy to get a loan from Kapitus?

That depends on whom you ask. If you look at Kapitus reviews on Reddit or on other sites, opinion is divided. Well-managed businesses with reasonable turnovers will usually find it easy. The Kapitus requirements for credit are less strict, so business owners with credit mistakes also find it simpler to get loans.

Has Kapitus overcome the Strategic Funding furor?

Yes. The media coverage made the company take stock and revise its lending practices. However, to be fair, we can’t lay the blame there solely at the company’s door. The rates they offered then were higher, but no one forced the business owners to take up the Kapitus loans.

Does Kapitus offer personal loans?

No. If you need personal loan services, this is not the right site.

Does the application have a potential impact on your credit score?

The company does a soft pull with the initial application.  These soft pulls don’t impact your credit score. The hard pull that is done before a decision is reached does impact your score.

Are the company’s business loan requirements excessive?

No, but our research and Kapitus reviews indicate that they do sometimes ask for collateral with factoring. That’s not a standard practice in the industry.