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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.
Available for both short- and long-term needs. Our business loans provide you with an agreed upon sum of money that you will pay back over a specified amount of time, with interest. The amount of interest paid and the total overall cost will be depend on whether you opt for a short-time loan, which typically has a higher interest rate but a lower overall cost or a long-term loan, which tends to have a lower interest rate but a higher overall cost.
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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“As a service company, it's rarely easy for us to get financing for long-term client projects without tons of meetings and lots of back-and-forth. [Our account manager] took our request, took the time to learn about what we do, and pitched us a proposal on how we could leverage capital to accelerate our business goals. And he got it all done for us within a single business day. I feel like we gained a trusted partner we'll be able to rely on as our company continues to grow.”
Owner, Counseling Center
“Happy to have help! Now that I have had a two year relationship with [Kapitus] we have been able to grow and successfully utilize our business relationship to benefit both their company and ours. Thanks for being there…I look forward to many years working relationship.”
Owner, Trucking Company
“My experience with [Kapitus] was a great process especially working with [my account manager]. From the beginning he was up front on what he was going to make happen for us. We had good, open communication on what we needed and he listened…and the end results was we got funded.”
Owner, Pool Installation Company
Ready to Apply?
If a line of credit seems like the right fit for you, let’s get your ready to apply. To complete 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. For peace of mind, you can download our Small Business Financing Checklist, to make sure you’ve got everything covered. If you’re still not sure that a line of credit 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.