Our goal is to get every business the financing it needs, when and how it is needed. As a direct lender we have our own vast menu of financing options. But sometimes, we’re not the best option. So, we’ve built a trusted network of lending partners that we work with to get you the financing that fits your business needs. With one application you can save yourself the time, money and stress that comes along with applying to different lenders. You worry about running your business. We’ll take care of the financing.
If your business needs new equipment, but you don’t have enough available cash to make the purchase then this is a great option for you. Our equipment financing product allows you to choose between purchasing your new equipment or leasing it with rights to renew. Equipment loans involve regular payments that include both the principal and interest. Equipment leasing is similar to leasing a car where you pay “rent” for use of the equipment over a specified amount of time.
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 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.
Helix is a financing product exclusively for the healthcare industry. The economics of running an independent practice have changed extensively over the past couple of years, making it difficult to manage cash flow. The Helix underwriting process, financing length and repayment terms all take into account the new reality of lower insurance premiums and longer wait times for insurance payouts being faced by independent healthcare practices.
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.
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.
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.
If your cash flow is hurting because you are waiting on invoices to be fulfilled from customers, then this is a great financing option for you. With Invoice Factoring you can receive a lump sum of cash that will keep your business running while you wait on payment of these invoices. With invoice factoring there is no APR or compounded interest, instead you are typically charged a one-time set up fee and transaction fee which is a percentage of the amount provided to you.
Purchase Order Financing
Purchase Order Financing is designed to provide businesses with the cash they need to fulfill a customer order. With this option, the financed amount goes directly to your supplier to cover the manufacturing and delivery of goods to your customer. The larger the transaction amount, the lower your rates will typically be. You will have a starting rate that is determined during the underwriting process, and after the first month the rate will increase.
With so many aspects of running a business being tied into a stable cash flow and your ability to acquire financing, we have launched our Business services group to help give you a leg up. From choosing the right credit card processor to expanding your audience and adding revenue streams, concierge services give you access to tools that can help you grow your customer base, improve brand awareness and improve your bottom-line. All at no cost to you.
Our concierge services are no-cost solutions for business owners to help them choose the best technologies, improve their marketing and business development efforts and increase customer loyalty. With these services we help you to:
> Vet and select processors
> Place ATMs at your business
> Institute gift card programs
> Create International partnerships
“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.”
"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
"[My account manager] is awesome! Just when I thought I couldn’t get approved for some bad decisions I made 20 years ago, he came through and got me funding. Funding was quick and funds available within 24 hours. Because of [him] I will continue to grow my business, and if I need funding again, I will without a doubt go through him. Thank you [to him] and all the staff at [Kapitus]."
Owner Trucking Company
Get Started Today
Let’s get you the financing you need to grow your business. Whether you’re looking to expand, purchase equipment, fulfill an order or stabilize your cash flow, we can get you the right type of financing for your needs. If you’re still not sure which type of financing is right for you, you can use our matching tool or give us a call at (800) 780-7133 to speak with one of our financing specialists.