Customer Service 
Qualifications
2+ years
in business
650+
credit score
250K+
in revenue
Find the Best Business Loan for Your Needs
Whether you’re looking to fuel growth, cover operational costs, or address unexpected expenses, you have a variety of options available for you to explore – from traditional term loans and lines of credit to revenue-based financing and SBA Loans.
Kapitus financing specialists take a consultative approach to business financing. We get to know you and your business to help you weigh your options and choose the best financing option to meet your current needs, without over-extending your business.
Why Choose Kapitus for Your Business Loan?
Small business owners come to Kapitus for our fast, hassle-free application process and quick approvals.
Why Choose Kapitus for Your Business Loan?
Small business owners come to Kapitus for our fast, hassle-free application process and quick approvals.
Flexible Funding Options
We offer a solution tailored to the unique needs of your business.
Fast, Simple Process
Apply online in minutes, get approved in as little as 24 hours, and receive funding quickly.
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 Loan in 5 Simple Steps.
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 the minimum credit score for a small business loan financed by Kapitus
At this time, the minimum credit score requirement for our small business financing is 650.
How is working with an online lender different than working with a traditional bank?
There are a variety of reasons that business owners will choose one type of provider over another – and each has its advantages and disadvantages. To further explore the differences, check out Traditional Bank vs. Alternative Lender.
What other business financing options can I access by working with Kapitus?
Kapitus can help you explore a full suite of financing products and help you explore all your options at the same time. Did you know that a term loan is not always the best option in every situation? Depending on why you need financing, the speed at which you need it, and terms you would like to see, there are alternative financing products that could be a better fit. Some additional financing options we can help you explore include:
- Business line of credit.
- Revenue-based financing.
- Equipment financing.
- Invoice factoring.
- Purchase order financing.
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 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.