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A small business loan that is partially guaranteed by the U.S. Government’s Small Business Administration, this option is great for businesses with stellar financial and operating histories. Because the government has agreed to back a portion of the loan, the application process is very thorough and can take anywhere from 3 weeks to 3+ months. The qualifying requirements are very restrictive, but this is an excellent option with favorable terms if you are able to qualify.
Line of Credit
Similar to a personal credit card, a business line of credit provides you with a line of credit that is accessible for you to use at any time. You only pay interest on the portion of the line that you use, and once paid, funds become available for you to use again. This is a great option for businesses who want to stabilize their cash flow or those who are in need of short-term working capital.
Revenue Based Financing
Revenue Based Financing is an up-front sum of cash that is based on a business’s future sales. Though not technically a loan, this is a great option for businesses that need access to cash quickly. Because this is not a loan, there is no APR or compounded interest associated with this product. Instead, borrowers agree to pay a fixed percentage in addition to the amount provided.
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“The Team at [Kapitus] are top notch and superhero quality. They do exactly what they say they can do and deliver when they say they are going to deliver. They are approachable and highly professional. I recommend this company to the highest degree. It is enjoyable to be a business partner with [Kapitus]."
Owner, Custom Framing Company
“Great company and they listened to my needs and offered affordable solutions. They gave me several options that would insure a long-lasting relationship at a very fair price that I could easily afford and refinancing options times that exceeded my expectations. I would recommend this company to everyone that needs business funding. And thanks to [my account manager] that knows how to listen to the needs of the customer, the entire process was easy to complete.”
Owner, Professional Painting Company
“This is how business funding should work. [My account managers] handled our application for funding seamlessly from start to finish. [They] provided direction, advice and counsel where needed while still allowing us the autonomy to determine what and how we could successfully achieve our funding goals. I have worked with several finance companies in the past two years and I would put [my account manger and Kapitus] at the top of the list.”
Owner, Razor Company
Ready to Apply?
If a business loan seems like the right fit for you, let’s get your ready to apply. To begin the application, you will need to be able to provide your 3 most recent bank statements, last year’s tax statements and contact information for 3 business references. Additional documentation will likely be required as you move through the underwriting process. If you’re still not sure that a business loan is right for you, you can use our financing matching tool or give us a call at (800) 780-7133 to speak with one of our financing specialists.