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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.
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.
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.
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“[An] excellent transaction - my bank was dragging its feet. We needed to update and expand our kitchen [and Kapitus] pulled us through fast and professional. Our contractor is starting Monday on renovations. Thank you [to Kapitus and our account manager] for getting it done.”
Owner, Pub & Pizzeria
“The process was surprisingly quick and painless. We're in a typically hard to fund industry— [My account manager] and his team were able to get us the funds we needed— I can recommend them without hesitation and will be using them for our future financing needs.”
Owner, Retirement Planning Company
“Professional and straight to the point just what I wanted... One thing, I can't stand is a sales pitch and with [Kapitus] you totally get honesty and transparency.”
Ready to Apply?
If revenue based financing seems like the right fit for you, let’s get your ready to apply. To complete the application, you will need to have on-hand 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 revenue based financing 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.