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KAPITUS INCREASES DEBT FACILITIES TO $540 MILLION
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Expands ability to provide companies with needed capital during a volatile economy.

April 3, 2023

NEW YORK, NY– NEW YORK, NY– Kapitus, a leading provider of financing for small and medium-sized businesses, today announced the closings of a $100 million asset-backed securitization (ABS) and a $30 million investment-grade corporate note financing. These closings bring Kapitus’ total debt facilities to $540 million. Kroll Bond Rating Agency served as the rating firm for the ABS facility and Egan-Jones served as the rating firm for the corporate note transaction. The company plans to use the financing to increase its funding capacity for small businesses – providing a place where businesses can obtain much-needed working capital in this volatile economic environment.

“Recent bank failures have compounded an already uncertain economic environment, leading creditors to more deeply scrutinize how and where they invest. The closing of these facilities is a testament to the strength of Kapitus, the prominent role we play in the alternative financing space, and our ability and commitment to meeting the demands of both our stakeholders and our customers,” said Andrew Reiser, Chief Executive Officer of Kapitus. “The world is seeing macro-economic trends that indicate impacts of the same order of magnitude that we saw during the great recession. As we did 15 years ago, Kapitus will continue to demonstrate significant leadership in the industry. Completing this financing is just one of many steps we are taking to further support businesses with access to capital during these volatile times.”

Committed to helping the small business community through fast and efficient funding alternatives, Kapitus offers a variety of financing products to meet the unique needs of each individual company. Since its founding in 2006, Kapitus has provided $5 billion in growth capital to over 50,000 small businesses. In 2022, Kapitus increased its funding capacity by nearly $140 million and the company is on track to outpace that growth this year.

“We greatly appreciate the ongoing support we receive from a diversified group of leading credit investors,” added Ben Johnston, Chief Operating Officer of Kapitus. “In an era of credit tightening, increased regulatory scrutiny, and rising cost of capital across the banking sector, we see a significant opportunity to help our small business customers obtain the capital they need to grow. The economic conditions we saw in 2008 cemented non-bank financing organizations as a mainstay in the financing landscape, and we stand ready – with the support of our financial partners – to provide small businesses with the capital they need to succeed.”

Guggenheim Securities served as sole structuring advisor for the $100 million ABS notes, while Brean Capital, LLC served as the company’s exclusive financial advisor and sole placement agent for the $30 million corporate note.

About Kapitus

Founded in 2006, Kapitus is one of the most experienced and trusted names in small business financing. As both a direct capital provider and through its expansive network of financing providers that offer a variety of products, Kapitus has provided over $5 billion in growth capital to over 50,000 small businesses. Kapitus, either directly or through other financing providers, offers products tailored to the need of every small business including term loans, sales-based financing, SBA loans, equipment leases, and revolving lines of credit. For additional information about the company,: https://kapitus.com/

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KAPITUS AWARDS $250,000 TO WINNERS OF THE ITS BUILDING RESILIENT BUSINESSES CONTEST
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Winners selected based on 22,000 public votes.

November 3, 2022

NEW YORK, NY – Kapitus, a leading provider of financing for small and medium sized businesses, today announced the winners of its inaugural Building Resilient Businesses contest.  Over three hundred small businesses submitted video entries to the contest.  An initial judging round narrowed the pool of the contestants down to fifteen finalists and a public vote determined the winners. 22,000 votes were placed.

Grand Prize Winner – $100,000:  Play Pits (Atlanta, GAa

Second Place Winner – $50,000: TFTI Experience (Houston, TX)

Third Place Winners – $20,000:

“We are so proud to be supporting these small businesses through our Building Resilient Businesses initiative and we’re honored to play a part in their small business stories.,” said Andrew Reiser, CEO of Kapitus. “Our winners are now part of the Kapitus family and we are here to support them in any way we can.  We’re looking forward to watching them grow and celebrating their future successes.”

The 2022 contest marked the official launch of Kapitus’ Building Resilient Businesses Initiative, a program dedicated to giving back to the small business community through programs that offer the financial help, educational resources, and products and services they need to grow their business and remain resilient.

To learn more about the Building Resilient Businesses Contest and to keep up with our winners, visit www.kapitus.com/brb

To be notified of future programs in the Building Resilient Businesses Initiative email brb@kapitus.com

About Kapitus
Founded in 2006, Kapitus is one of the most experienced and trusted names in small business financing. As both a direct lender and a marketplace with an expansive network of financing partners offering a variety of products, Kapitus has provided over $4 billion in growth capital to over 50,000 small businesses. Kapitus, either directly or through trusted partners, offers products tailored to the need of every small business including term loans, sales-based financing, SBA loans, equipment leases, and revolving lines of credit.

KAPITUS ANNOUNCES SMALL BUSINESS FINALISTS IN COMPETITION FOR $250,000 IN CASH AWARDS
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Finalists selected based on creativity, enthusiasm, and passion – now look to the public to help determine winners.
September 19, 2022
NEW YORK, NY – Kapitus, a leading provider of financing for small and medium sized businesses, today announced the finalists in its inaugural Building Resilient Businesses (BRB) Contest that will award $250,000 in cash prizes to small business owners across the U.S. A total of seven prizes will be awarded – one 1st place prize of $100,000, one 2nd place prize of $50,000 and five 3rd place prizes of $20,000.
In the first step of the competition, each small business that entered submitted a video sharing their small business story and how $100,000 would help them to continue writing that story. A total of 15 finalists have been selected from hundreds of small business video entries, coming from 37 states across the U.S. Finalists were chosen based on scores received in the initial judging round that were based on the storytelling, creativity, enthusiasm, and passion portrayed in their video submissions.
In the next phase of the competition, Kapitus is asking the public to help choose the winners by viewing the video entries and voting for their favorite small business. Voting opens on Monday, September 19, 2022, at 1:00 pm EDT and runs through Monday, October 10, 2022, at 11:59 pm PDT.
The finalists of Kapitus’ Building Resilient Businesses Contest include (in alphabetical order):
1 Black People Will Swim – Long Island, NY – Smashing the stereotype that Black people don’t swim, Black People Will Swim is based on four foundational pillars encouraging people to F.A.C.E. (Fun. Awareness. Community. Education) their fears.
2 Brash Brownies – Winston-Salem, NC – A mobile, Black woman-owned, bakery with small batch desserts based on old family recipes and innovative imagination. Brash Brownies is bringing Louisiana culture to North Carolina.
3 Courtside ATL – Lithonia GA – Creating VIP basketball experiences where anyone can participate, by deconstructing the game into: Shoot, Dribble & Pass. We employ tech features to transform, gamify and transfer content for elevated experiences.
4 Fat Lady Cake’s – Amherst, NY – Fat Lady’s Cakes and Pies specializes in the creation of gourmet desserts made from all natural ingredients. From classics to new innovations, we offer a full range of flavorful treats.
5 Frères Branchiaux Candle Co – Indian Head, MD – Frères Branchiaux Candle Co. is a mission-based company that creates vegan fragrance products. Founders Collin, Ryan, and Austin Gill have donated $40K to homeless shelters through sales of their products.
6 Kai’s Kookies – Houston, TX – Specialty bakery offering low-carb gluten-free treats with no added sugar. Inspired by a father and daughter who recreated their baking style due to allergies and a commitment to improving health.
7 Monolith Games – Siloam Springs, AR – A small husband- and wife-owned board and card game shop. We have created a safe space where people can hang out, play games, and above all – be themselves.
8 Play Pits – Atlanta, GA – 100% all-natural deodorant, free of aluminum, parabens, synthetic fragrances, and harsh chemicals. Play Pits is a mother’s solution to providing a kid-friendly, all-natural hygiene option for youth with active lifestyles.
9 Postal Petals – West Hollywood, CA – A new way for people to enjoy the beauty of flowers through the experience of arranging them. Fresh cut flowers are shipped nationwide for customers to create their own DIY floral arrangements.
10 Stir it Up – Fairbanks, AK – Inspired by a little boy with allergies and a town lacking options, Stir It Up provides options for your dietary lifestyle, guaranteed. A women-owned company specializing in gluten-free, vegan, vegetarian and low-carb options.
1 Strands of Faith – Pearl, MS – SOF is a conscious beauty brand curated and formulated with cruelty free rich ingredients to nourish, restore and refresh textured strands while increasing moisture-length retention and overall healthy hair.
1 Superfit Hero – Los Angeles, CA – Superfit Hero is the world’s most inclusive line of premium plus size activewear for women, with sizes L-7XL. Fitness is for Every Body.
1 TFTI Experience – Houston, TX – Houston’s original photo experience. 15+ creative installations for jaw-dropping photos including Infinity Mirrors, LOVE Letters, Upside Down room, DJ Confetti Room and more. TFTI has something fun for everyone.
2 the Enchanted Rose Emporium – Vancouver, WA – Providing a unique collection of vintage style gifts and craft supplies emphasizing sustainability and teaching classes in the handcrafting skills of yesterday to children and adults – preserving these art forms.
3 The Tree Yoga Cooperative – South Los Angeles, CA – Black and Latina-Owned hub of holistic wellness and community support. We provide accessible, inclusive, trauma-informed and culturally centered yoga classes and training to all body types, abilities and ages.
The official winners of the Building Resilient Businesses Contest will be announced in November 2022.
The contest marks the official kick-off of Kapitus’ larger Building Resilient Businesses Initiative, a program dedicated to giving back to the small business community through programs and initiatives that offer the financial help, educational resources, and products and services they need to grow their business and remain resilient.
To vote for your favorite finalist visit: https://kapitus.com/brb-vote/ (voting is now closed).
About Kapitus
Founded in 2006, Kapitus is one of the most experienced and trusted names in small business financing. As both a direct lender and a marketplace with an expansive network of financing partners offering a variety of products, Kapitus has provided over $4 billion in growth capital to over 50,000 small businesses. Kapitus, either directly or through trusted partners, offers products tailored to the need of every small business including term loans, sales-based financing, SBA loans, equipment leases, and revolving lines of credit.

KAPITUS INCREASES FUNDING CAPACITY BY $95 MILLION
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Now with $360 million in total facilities, fintech expands ability to fund small business growth.

August 25, 2022

NEW YORK, NY – Kapitus, one of the largest and most reliable providers of small business financing, today announced the closing of $95 million in additional funding capacity, bringing total debt facilities to $360 million. In July, the company closed a $60 million upsize to its existing securitization and this month expanded its existing warehouse facility to $100 million. This comes on the heels of an additional $40 million upsize of its securitization in February, bringing Kapitus’ capacity increase in 2022 to nearly $140 million.

This financing comes as Kapitus ushers in a new phase of growth, having seen the highest funding volume in its 16-year history in 2021. Growth in 2022 continues, with record application and funding volume each month and a global expansion of its operations with the opening of an administrative office in India. This additional funding capacity demonstrates continued investor and bank partner confidence in the Kapitus platform, which helps small businesses grow and prosper though individualized financing solutions.

“Kapitus helped small businesses navigate unprecedented financial difficulty through the pandemic and resulting economic challenges, including the supply chain breakdown, record inflation and labor shortages,” said Andrew Reiser, Chief Executive Officer of Kapitus. “Today, we are poised and ready to help businesses through their next chapter, whatever stage of growth they might be in.”

Kapitus is committed to helping businesses grow strong through financial support, educational resources, tools and volunteer programs. This includes a variety of financing products to meet the unique needs of each individual business, as well as programs that give back to the small business community, such as its Building Resilient Businesses Initiative which will award $250,000 in grants to small businesses across the U.S.

About Kapitus

Founded in 2006, Kapitus is one of the most experienced and trusted names in small business financing. As both a direct lender and a marketplace with an expansive network of financing partners offering a variety of products, Kapitus has provided over $4 billion in growth capital to over 50,000 small businesses. Kapitus, either directly or through trusted partners, offers products tailored to the need of every small business including term loans, sales-based financing, SBA loans, equipment leases and revolving lines of credit.

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KAPITUS TO AWARD $250,000 TO SMALL BUSINESSES WITH LAUNCH OF BUILDING RESILIENT BUSINESSES CONTEST
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New initiative aims to provide the small business community with the financial help and educational resources needed to bounce back.

May 2, 2022

NEW YORK, NY – Kapitus, a leading provider of financing for small and medium sized businesses, today announced its inaugural Building Resilient Businesses (BRB) Contest, that will award $250,000 to small business owners across the U.S.

“Kapitus has worked with the small business community for over 16 years, helping them to overcome struggles from environmental disasters, social inequities, economic downturns, and global health crises,” said Josh Jones, Chief Revenue Officer of Kapitus. “We are inspired by the incredible resilience we’ve seen from small businesses, particularly over the last couple of years, and have launched the BRB Contest as an extension of our dedication to supporting their needs during this economically challenging time.”

The contest opens for submissions on May 2, 2022, in line with the start of National Small Business Week. To enter, companies will need to submit a video sharing their small business story and how $100,000 would help them to continue writing that story. The submission deadline is June 30, 2022.

Following a judging round from the Kapitus team, and then a public voting round, winners will be announced on August 23, 2022. A total of seven prizes will be awarded – one 1st place prize of $100,000, one 2nd place prize of $50,000 and five 3rd place prizes of $20,000.

“During these challenging times, addressing the financial help and educational resources needed for business continuity is more important than ever,” said Andrew Reiser, Chief Executive Officer of Kapitus. “We created the BRB contest, and larger initiative, to help the small business community overcome these challenges and continue to thrive for years to come.”

The contest is just the first of many projects that will be part of Kapitus’ larger BRB initiative, aimed at giving back to the small business community. The goal of the ongoing initiative is to help businesses grow strong through financial support, educational resources, tools and volunteer programs that help businesses bounce back from crises. Kapitus has also created groups on Facebook and LinkedIn to give small businesses a private and dedicated space to continuously learn and connect with fellow business owners and to get  access to ongoing information and resources to help them run their business.

For additional details on the BRB Contest, including qualifications and submission guidelines, visit Kapitus.com/brb .

About Kapitus

Founded in 2006, Kapitus is one of the most experienced and trusted names in small business finance. As both a direct lender and a marketplace built with an expansive network of lending partners, Kapitus has provided over $3.6 billion in growth capital to over 64,000 US-based small businesses. Kapitus offers, either directly or through its trusted providers, a variety of financing products to small businesses, including business loans, SBA loans, revenue-based financing, equipment financing, revolving lines of credit, invoice factoring and purchase order financing.

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Kapitus Opens Office in Chennai, India, Expanding Operations to Better Serve U.S. Small Businesses
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April 7, 2022

NEW YORK, NY & CHENNAI, INDIA– Kapitus, a leading provider of financing for small and medium sized businesses in the United States, today announced the expansion of its operations with the opening of its office in Chennai, India. The expansion comes as part of a larger roadmap of company growth and denotes Kapitus’ commitment to delivering innovative, customizable business financing options.

The 7,500 sq ft. office located along the Rajiv Gandhi IT Expressway in Perungudi, Chennai, opened on April 1, 2022 with nearly 100 employees.  The India team provides application processing, credit analysis, data analytics, predictive modeling, and technology and finance support. Throughout 2022 Kapitus will be seeking top talent to join the team, with plans to hire an additional 20 new, full-time employees in India by year end, and an additional 30 new hires in 2023.

“Kapitus is dedicated to helping small businesses grow by providing quick and efficient financing options that banks are unable or unwilling to offer. The Covid-19 pandemic, staffing shortages throughout the U.S., supply chain disruptions and inflation have combined to make fast and reliable small business financing even more critical,” said Ben Johnston, Chief Operating Officer at Kapitus.  “Expansion of our workforce in India helps further this mission, while ensuring our ability to provide small businesses with critical financing throughout macroeconomic cycles.”

Murali Govindarajulu will be serving as Business Head of Kapitus India, leading the office in Chennai and working with Kapitus leadership in the United States and leading an India-based team with extensive experience scaling global operations.

“The small business financing industry is a dynamic ecosystem that is undergoing major technological transformation in both the United States and India,” said Govindarajulu.  “It is an exciting time to be in the industry and I am delighted to be working alongside mission-oriented individuals in both countries who share a passion for innovating financing solutions for small businesses.”

To learn more about Kapitus and how they serve small businesses visit: www.kapitus.com

About Kapitus

Founded in 2006, Kapitus is one of the most experienced and trusted names in small business finance. As both a direct lender and a marketplace built with an expansive network of lending partners, Kapitus has provided over $3.6 billion in growth capital to over 64,000 US-based small businesses. Kapitus offers a variety of financing products to small businesses, including business loans, SBA loans, revenue-based financing, equipment financing, revolving lines of credit, invoice factoring and purchase order financing.

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KAPITUS RECEIVES RATING AFFIRMATION FROM KBRA ON SECURITIZATION NOTES
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October 1, 2020

NEW YORK, NY– Kapitus, a leading provider of financing to small and medium-sized businesses, has received rating affirmation from Kroll Bond Rating Agency (“KBRA”) on three classes of notes it issued through SFS Asset Securitization LLC (“SFS”).

According to KBRA, “the affirmations are due to KBRA’s analysis of the supporting collateral pool of receivables, Kapitus’s managed static pool performance data and current credit enhancement levels for each class of notes.” In addition, the ratings on the three classes of notes have been removed from “Watch Downgrade”. On March 30, 2020 KBRA placed all outstanding ratings from 10 U.S. small business ABS transactions, covering 29 securities and $2.1 billion outstanding, on Watch Downgrade owing to the economic effects of Covid-19.

“We are pleased with the rating affirmations from KBRA as it underscores our approach to underwriting and credit risk and shows the importance of proactive management through the ongoing covid-19 pandemic,” said Andrew Reiser, Chief Executive Officer at Kapitus. “We are proud of the fact that Kapitus is among the only companies in the space to perform through this crisis and remain fully open for business and given the current consolidation of the industry we believe we are well positioned for future growth.”

About Kapitus

Founded in 2006 and headquartered in NYC, Kapitus is one of the most reliable and respected names in small business financing. As both a direct lender and a marketplace built with a trusted network of lending partners, Kapitus is able to provide small businesses the financing they need, when and how it is needed. With one application business owners can save time and money, while eliminating the stress that comes with applying to different lenders. At Kapitus, we believe that business owners should be able to focus on running their business, while we take care of the financing. To learn more, visit www.kapitus.com.

The notes are not registered under the United States Securities Act of 1933, as amended (the “Securities Act”), or any state securities laws, and may not be offered or sold in the United States absent registration or an applicable exemption from, or a transaction not subject to, registration requirements. The notes were offered only to qualified institutional buyers under Rule 144A and to persons outside the United States pursuant to Regulation S under the Securities Act. This press release shall not constitute an offer to sell, or the solicitation of an offer to sell the notes, nor shall it constitute an offer, solicitation or sale in any jurisdiction in which, or to any person to whom, such an offer or solicitation or sale is unlawful.

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KAPITUS CLOSES $160 MILLION SECURITIZATION
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December 17, 2019

NEW YORK, NY – Kapitus, a leading provider of financing to small and medium-sized businesses, today announced that it has closed its second asset-backed securitization (ABS) for $160 million. The facility, which has a 3-year revolving period, a 5-year legal final, and is expandable to $500 Million, was issued in three classes with the senior class earning a rating of “A (sf)” by Kroll Bond Rating Agency (KBRA). Guggenheim Securities served as sole structuring advisor and sole initial purchaser of the notes.

“The execution of our second securitization saw a significant increase in size over our inaugural $105 million issuance in June of 2018,” said Andrew Reiser, Chief Executive Officer of Kapitus. “This upsize demonstrates the sustainability of the asset class and reflects the market demand for our technology platform and funding processes.”

Through its proprietary technology, risk and underwriting models, Kapitus has provided small businesses with fast and efficient funding alternatives for nearly 14 years.

“The world of fintech is evolving to provide a larger suite of products to a more diverse group of businesses,” said Chief Operating Officer of Kapitus, Ben Johnston. “Our latest securitization allows us to grow with our customers while expanding the financing options available to them.”

About Kapitus

Founded in 2006 and headquartered in NYC, Kapitus has been recognized by customers and the industry as one of the most reliable and respected names in small business financing. With flexible financing options, Kapitus provides small businesses with the working capital they need to take advantage of opportunities and grow. Since its founding, Kapitus has provided small businesses over $3.0 billion in funding. To learn more, visit www.kapitus.com.

The notes are not registered under the United States Securities Act of 1933, as amended (the “Securities Act”), or any state securities laws, and may not be offered or sold in the United States absent registration or an applicable exemption from, or a transaction not subject to, registration requirements. The notes were offered only to qualified institutional buyers under Rule 144A and to persons outside the United States pursuant to Regulation S under the Securities Act. This press release shall not constitute an offer to sell, or the solicitation of an offer to sell the notes, nor shall it constitute an offer, solicitation or sale in any jurisdiction in which, or to any person to whom, such an offer or solicitation or sale is unlawful.

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STRATEGIC FUNDING SOURCE ANNOUNCES LAUNCH OF NEW BRAND IDENTITY; UNITES ITS FUNDING ARM AND SERVICING ARM UNDER THE NAME KAPITUS
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Change reflects new strategy, expansion of product portfolio, technology advancements and a renewed commitment to provide financing to more businesses.

January 15, 2019

NEW YORK, NY – Strategic Funding Source, a veteran of the small and medium-sized business alternative lending space, today announced the launch of a new corporate brand identity, including a new name. As part of this rebrand, the funding division and servicing division will be united under the name Kapitus. The unification of these two divisions will allow for an improved experience for both clients and partners.

Since its inception in 2006, Strategic Funding Source has provided over $2 billion to almost 40,000 businesses in hundreds of industries across the U.S. Over the past two years, the organization has been proactively building out its executive team, bringing in a wealth of experience to transform its risk model, underwriting processes, lending capacity and product line, technology capabilities and customer experience.

With these and other planned advancements, the company required a new brand that better reflected the company’s commitment to be a reliable source of capital to all small and mid-sized business owners.

“The small business lending landscape is consolidating around a few strong and reputable companies. Over the last several years, Kapitus has experienced tremendous growth both in its product offerings to small and medium-sized businesses and in the total number of businesses it serves” said Andy Reiser, CEO of Kapitus. “We chose a name and identity that represents our strength and stability as well as our promise to be a responsible and fair source of capital to small and medium-sized businesses nationwide.”

Along with the name change there will be a new logo, tagline (“Let’s Grow Together”) and domain name (kapitus.com). The rebrand is the first step in the company’s strategy to grow its own financing product line, add to its marketplace of 3rd party lenders and create a foundation for new partnership opportunities. The new brand also represents the company’s commitment to keep the human touch throughout the financing process, while improving customer experience through technology to aid the decisioning process and improve speed to funding.

“This is an exciting change for us,” added Reiser. “This new branding builds upon our history and pays allegiance to our standing as a leader in a fast-evolving industry, opening the door for future opportunities for us, our clients and our partners.”

About Kapitus

Founded in 2006 and headquartered in NYC, Kapitus is one of the most reliable and respected names in small business financing. As both a direct lender and a marketplace built with a trusted network of lending partners, Kapitus is able to provide small businesses the financing they need, when and how it is needed. With one application business owners can save time and money, while eliminating the stress that comes with applying to different lenders. At Kapitus, we believe that business owners should be able to focus on running their business, while we take care of the financing. To learn more, visit www.kapitus.com.

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STRATEGIC FUNDING CLOSES $105 MILLION INAUGURAL SECURITIZATION; EXPANDABLE TO $500 MILLION
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June 3, 2018

NEW YORK, NY – Strategic Funding, a leading provider of financing to small and medium-sized businesses, today announced that it has closed the issuance and sale of $105 million of fixed-rate, asset-backed notes in a 144a private securitization. The facility has a 3-year revolving period, a 5-year legal final, and is expandable to $500 Million. The notes were issued from a wholly-owned subsidiary of Strategic Funding, SFS Asset Securitization LLC, and consist of four classes. The senior class of notes has a rating of “A- (sf)” by Kroll Bond Rating Agency (KBRA). Guggenheim Securities served as sole structuring advisor and sole initial purchaser of the notes.

“The securitization will give us enhanced flexibility allowing us to continue our rapid growth while providing superior financing products to small businesses,” said Andrew Reiser, Chief Executive Officer at Strategic Funding. “It is a confirmation of our business model and maturity.”

The securitization represents Strategic Funding’s first asset-backed securities issuance since the company’s inception in 2006. The notes are secured by a pool of loans and revenue-based financing agreements to small- and medium-sized businesses. This new facility will enable Strategic Funding to expand its operations, while broadening its portfolio of financing products for small and medium-sized business nationwide.

“The tech-enabled small business financing space is rapidly innovating to reach a broader group of credit-worthy businesses. This securitization – and the interest we have seen from top-tier investors – demonstrates that with the processes we have established, revenue-based financing can be a reliable asset class for investors,” said Strategic Funding’s Chief Operating Officer, Benjamin Johnston.

About Strategic Funding

Founded in 2006 and headquartered in NYC, Strategic Funding has been recognized by customers and the industry as one of the most reliable and respected names in small business financing. With flexible financing options, we provide small businesses with the working capital they need to take advantage of opportunities and grow. To learn more, visit www.sfscapital.com

The notes are not registered under the United States Securities Act of 1933, as amended (the “Securities Act”), or any state securities laws, and may not be offered or sold in the United States absent registration or an applicable exemption from, or a transaction not subject to, registration requirements. The notes were offered only to qualified institutional buyers under Rule 144A and to persons outside the United States pursuant to Regulation S under the Securities Act. This press release shall not constitute an offer to sell, or the solicitation of an offer to sell the notes, nor shall it constitute an offer, solicitation or sale in any jurisdiction in which, or to any person to whom, such an offer or solicitation or sale is unlawful.

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Copyright 2024 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.