Business Financing Specialist 
69,000
businesses funded
$10 Billion
in capital provided
Why Kapitus?
New paint. New space. New hires. Or an unexpected challenge along the way. That’s where Kapitus comes in. Since 2006, we have provided straightforward, flexible financing — backed by strong customer ratings — so you can stay focused on growing your business and have one less thing to worry about.
Types of financing available through Kapitus
Business Loans
Large expenses like opening a new location.
SBA Loans
Non-urgent expenses to help grow your business.
Line of Credit
Flexible expenses without large sum payment upfront.
Equipment Financing
Upgrading or adding new equipment.
Revenue-Based Financing
Cover seasonal dips in revenue.
Invoice Factoring
Cover cash flow shortages quickly.
Purchase Order Financing
Fulfilling large purchase orders.
Not sure which funding option is right for you?
Give us a call to discuss your business needs.
(646) 630-7618
Clear guidance — every step of the way
Clear guidance — every step of the way
Apply
A short application with basic business details.
Get approved
Speak with a financing specialist and get a fast decision — often in as little as 4 hours, with funding in as little as 24 hours.
Get funded
Choose flexible terms with financing up to $5 million and repayment from 6–60 months.
Business financing qualification at a glance
We believe in being clear and upfront, so you know what to expect right away.
Time in Business
2+ Years
Annual Revenue
$250K
Personal Credit Score
650
Annual Revenue
$250K
Time in Business
2+ Years
Personal Credit Score
650
Not quite there yet? Kapitus may still be able to help connect you with other financing options through our lending network.
Call us to explore what may be available for your business (646) 630-7618
Success stories from business owners like you
Kind, supportive and easy to work with.
As good as it gets! You truly feel like you have a teammate that cares about your business.
Excellent service! great platform and customer services 5 stars
Nick and the Kapitus team got me funded quickly and had a great streamlined process.
Great Company, Great People!
Business Funding FAQs
How long does it take to get approved for business funding?
Applicants for Kapitus’ business funding can get approved in as little as 4 hours.
Do I need collateral to get approved for a small business financing?
Some financing options may require collateral for approval. See your specific offer for more information. No-collateral funding may feature higher interest rates.
What credit score do I need to get approved for business financing?
We recommend a minimum credit score of 650 before applying for a Kapitus small business financing.
Does business financing affect personal credit?
Business financing may affect your personal credit score. See terms and conditions for more information.
When does refinancing make sense for small businesses?
Refinancing may make sense when interest rates are lower or you are able to get more favorable terms.
Product availability is subject to confirmation of eligibility and underwriting. Products may vary based on credit profile and the state in which your business is located. Certain products may not be available in all states or to all customers. Business loans made or brokered by Kapitus in California are made or brokered by Strategic Funding Source, Inc. d/b/a Kapitus pursuant to California Finance Lenders License No. 603-G807. SBA loans, business lines of credit, invoice factoring, and purchase order financing are offered only by members of Kapitus’s financing network and not by Kapitus directly.
Have questions? Let’s talk.
Connect with one of our financing specialists at (646) 630-7618.
Copyright 2026 Strategic Funding Source, Inc. All rights reserved. Kapitus and the Kapitus logo are registered trademarks of Strategic Funding Source, Inc. Loans made or brokered in California are made or brokered pursuant to California Finance Lenders License No. 603-G807.
Loans may be funded by WebBank. The specific lender will be identified in your agreement.