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Fast Business Financing with Flexible Terms to Meet Your Needs

No Hidden Fees, Just Clear Terms and Fast Processing

How much funding do you need?

$5,000
$5K
$5M

What's the name of your business?

When did you start your business?

MM slash DD slash YYYY
This helps us understand your business maturity level

Where's your business registered?

Business State(Required)

What’s your annual revenue?

We use this to match you with the most relevant loan options

What's your name?

What’s your email address?

We’ll only send relevant updates – no spam, ever

And the best phone number to reach you on?

One of our funding experts may call to guide you personally

How would you like to proceed?

By clicking “Submit” below, you authorize Kapitus to contact you about our products and services, at the email addresses and/or telephone numbers you provided (including via automated telephone dialing systems, prerecorded messages, and SMS/MMS (text) messages), even if your number is on a federal or state Do-Not-Call list. Message and data rates may apply. Consent to be contacted through these means is not a condition to use of our services. You may opt out of these communications at any time. For more details, please review our Privacy Policy.

Compare up to

6 Offers

Financing up to

$5M

Decisions in as little as

4 Hours

$7 Billion

in capital provided

65,000

businesses funded

Reviews

4.6

Business Financing Explained

Financing provides your business with the working capital you need to fuel growth, cover operational costs, or invest in expanding your business.

At Kapitus, we offer flexible financing options that meet your unique needs.

Why Choose Kapitus
for Your Business Financing

We provide fast, hassle-free Financing with minimal paperwork and quick approvals.

Why Choose Kapitus for Your Business Financing

We provide fast, hassle-free Financing
with minimal paperwork and quick approvals.

Flexible Funding Options

Flexible Funding Options

We offer a solution tailored to the unique needs of your business

Fast, Simple Process

Fast, Simple Process

Apply online in minutes, get approved in as little as 24 hours, and receive funding quickly

No Hidden Fees

No Hidden Fees

Transparent terms with no surprises

Customer Satisfaction

Customer Satisfaction

Rated 4.6/5 stars by thousands of happy business owners

Apply for Financing in
5 Simple Steps

Check Your Eligibility

Our business financing is designed to help businesses succeed.
Let’s see if you’re a good fit.

Business Tenure
2+ Years
Annual Revenue
$250K
Credit Score
650
Location
USA

Even if you don’t meet all the criteria, you may still qualify for financing.

For assistance or to discuss your options, please contact us at (646) 630-7618.

What Our Customers Are Saying

Thousands of Business Owners Trust Kapitus for Their Financing Needs

Rating score: 4.6 of 5, based on 991 reviews

FAQs

What is the minimum credit score needed for a small business loan with Kapitus?

At this time, the minimum credit score requirement for our small business Financing is 625.

What are the current interest rates on Kapitus Small Business Financing?

When calculated, our small business Financing have competitive industry rates. However, our Financing don’t technically have a rate; instead, we charge one fixed price that does not change. Our pricing may change depending on a number of factors, including your credit score, revenue, your industry, and terms of the loan you choose. Because our Financing are short term, when you calculate the “rate,” it will be higher than some other options, but the overall cost is often much less than long-term financing options such as SBA Financing or equipment financing.

How is an alternative lender to get a business loan better than using tradional banks?

During the 2008 recession, online lenders gained prominence as an alternative option for many small businesses to obtain financing when traditional bank funding opportunities dried up. Since then, these lenders have become a common-place resource for business funding.While your specific needs should dictate where you seek financing, there are some well-known advantages to using alternative lenders, including:

Qualification Requirements: Alternative lenders tend to have less stringent requirements for approval. Typically, alternative lenders have lower requirements for an applicant’s revenue, time in business, and credit score.

Shorter Timelines: Because of the applications are shorter and fewer documents are required for underwriting, alternative lenders can review, approve and fund business Financing in a matter of days – sometimes even in as little as 24 hours depending on how quickly you’re able to get your full application package submitted.

Loan Size Flexibility: Alternative lenders have more flexibility with the funding amounts they will approve, so they are able and willing to finance both smaller and larger amounts than traditional lenders. For example, many banks will not consider Financing above $1 Million and the use of those funds is often limited. However, with many alternative lenders, Financing are available in amounts up to $5 Million and the funds can be used for any business purpose. If you need less capital, many banks aren’t as willing to lend out lower amounts because it is not economically feasible for them to do so, while alternative lenders are willing to finance amounts as low as $10,000.

Higher Approval Rates: Because of their easier qualification requirements and simpler application process, alternative funders approve financing for more small and medium-size businesses than traditional lenders.

Providing the best financing solutions for small businesses since 2006.

Apply Now

Apply Now

(646) 630-7618

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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.

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