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.
Equipment Financing is a great tool to leverage when you are in need of expensive equipment – anything ranging from new office equipment to machinery – but you are unable to purchase the equipment upfront. Equipment financing allows you to purchase your need equipment outright or, if you need equipment that is updated frequently, you have the option to lease instead of purchase. Equipment financing can only be used to purchase or lease new equipment with the money you finance is paid directly to your equipment vendor.
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-term 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.
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.
“[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.”
–Robert L. Owner, Pub & Pizzeria
SUCCESS ON EVERY CORNER
“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.”
–James C. Owner, Retirement Planning Company
SUCCESS ON EVERY CORNER
“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.”
– Claude W. Hotel Owner
SUCCESS ON EVERY CORNER
“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.”
-Steve K.
Owner, Razor Company
“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.”
–James C.
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.”
– Claude W.
Hotel Owner
