Sales 
$7 Billion
$7 Billionin capital provided
65,000
65,000businesses funded
Reviews
Reviews4.6
Find Line of Credit Terms That Work for Your Business
A Business Line of Credit through the Kapitus financing network is built based on your business’s unique and specific needs. You tell us what you need and our financing specialists will do everything in their power to get you the line of credit that gives your business the flexibility it needs for long-term success.
Why business owners choose Kapitus to compare line of credit offers
Small business owners come to Kapitus for our fast, hassle-free application process and quick approvals.
Why Choose Kapitus for Your Business Financing
We provide fast, hassle-free Financing
with minimal paperwork and quick approvals.
Flexible Access to Capital
Draw funds when you need them and only pay interest on what you use, giving your business financial flexibility.
Fast, Simple Process
Transparent terms with no surprises
No Hidden Fees
Transparent terms with no surprises.
Customer Satisfaction
Rated 4.6/5 stars by thousands of happy business owners.
Apply for a Business Line of Credit in
5 Simple Steps
Let’s Make Sure We’re a Good Fit!
Business line of credit offers are designed to help businesses succeed, but there are minimum requirements that must be met.
Time in Business
2+ Years
2+ Years
Annual Revenue
$250K
$250K
Personal Credit Score
650
650
Location
USA
USA
Don’t meet all of the criteria? Kapitus may be able to help you access other financing options.
Give us a call to discuss what other financing options may be suitable for your business needs: (646) 630-7618.
Trusted by Small Business Owners for Almost 20 Years
Thousands of business owners put their trust in Kapitus each year to help them access business loans.
FAQs
What is a business line of credit?
A business line of credit allows access to a predetermined amount of funds when you need it while only paying interest on the actual amount used. No unnecessary complexities. Draw and repay as you go for a truly flexible and revolving credit option.
What are the Pros and Cons of a business line of credit?
As with all other types of small business financing, a business line of credit comes with benefits and drawbacks when compared to other financing options. Here are some pros and cons to weigh when comparing types of loans and financing.
Business Line of Credit Pros
- Revolving line of credit
- Cash flow flexibility
- Only pay interest on funds you draw
Business Line of Credit Cons
- Variable interest rates
- Inconsistent repayment amounts
- Risk of over-drawing
How can I use my business line of credit?
Your Business Line of Credit is built to handle any needs that may come up during your operations. A line of credit provides your business with a financial cushion to help guard your working capital and keep operations running smoothly.
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.
Copyright 2025 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.