What Is Kapitus?
This company works with businesses of all shapes and sizes and in all kinds of industries to find or create financing options that are easy to apply for, have favorable terms, and match the company’s financial needs and goals. Because Kapitus is a direct lender, it can customize a funding solution to fit your needs.
How Does Kapitus Work?
Kapitus knows that, as a business owner, you have a lot on your plate. That’s why it created a simple online application process that takes less than five minutes to finish.
The application starts with you sharing some basic details about your business and your goals. Then, based on that information, you’ll be matched with the best-fit financial solutions — solutions that other companies in similar situations have used.
Upon completing your application, Kapitus typically gives you an approval decision within three to four hours. A member of the Kapitus team will contact you to review the terms of your loan and to request any documents needed to finalize the loan agreement.
Once everything is complete, you can expect to receive funding in two or three business days and sometimes in as little as 24 hours.
How Can Kapitus Help Your Business?
Kapitus works with businesses that have been established for at least two years and have annual revenues exceeding $250k. You will need to have a 625-credit score or better. If your business fits these qualifications, this company will work hard to ensure that your business gets funded. You can use Kapitus to secure funds to run your business, grow your business, or increase your business’s security.
Run Your Business
Use Kapitus funding to cover operational costs like payroll, taxes, or repairs.
Grow Your Business
A Kapitus business loan allows you to take advantage of opportunities that come your way. For example, it can provide the capital necessary for equipment upgrades. If you need a cash infusion to hire new employees, that’s another way Kapitus can help your business. You can also use Kapitus funding to renovate or expand your space.
Secure Your Business
When you can see a downturn coming, consider a Kapitus loan. Business financing can give you a way to stabilize your cash flow, consolidate your debt, or build up emergency funds for any unexpected circumstances.
What Business Products Does Kapitus Offer?
As a direct lender, this company can offer businesses a wide array of financing options.
Business Loans
A business loan is one of the most flexible ways to secure financing. Kapitus provides funding up to $5 million and works with your business to determine the best loan amount and terms to fit your needs. The application takes about five minutes to complete, and you’ll receive an approval decision within four hours. If your loan is approved, you can receive your funds within 24 hours.
Equipment Financing
Equipment financing may be a good option if you need new equipment to keep your business running smoothly. Kapitus offers equipment financing up to $150,000 for terms of up to 60 months. Securing equipment financing requires a credit score of 675 or higher and that you have been in business for three years.
Helix Loan
Because healthcare practitioners have to navigate many government regulations to receive payment from their patients, Kapitus has created financing options tailored to the needs of healthcare businesses. Its Helix Healthcare loan program considers the complexities of running a business in the healthcare industry.
Invoice Factoring
With invoice factoring, you can receive financing based on your outstanding invoices. Kapitus offers invoice factoring lines of financing ranging from $250k to $7 million. The brief application takes only a few minutes to fill in, and you could be funded within 24 hours.
Business Line of Credit
This type of funding gives you the benefits of a credit card at lower interest rates. To qualify, your business must be at least two years old and earn $180,000 in annual revenues. In addition, your credit score must be 650 or better. Interest rates start at 13%.
Purchase Order Financing
If you don’t have the cash flow to pay your suppliers, purchase order financing may be a good fit. You can receive financing to cover your purchase orders in amounts ranging from $200k to $7 million at a factor rate as low as 1.25%.
Revenue-based Financing
If you need a smaller-than-typical business loan or your credit could be better, revenue-based financing may be a way to get funding. If your business has a strong track record of sales and recurring revenues, you may qualify for this type of financing.
SBA Loans
These loans are partially guaranteed through the U.S. Government’s Small Business Administration. As a result, these loans can provide financing at more favorable rates for businesses in good financial shape and with an excellent operating history.
Concierge Services
Kapitus will work with you to analyze your business’s financial situation and goals. Then, based on what you need, it will work to customize the correct type of financing at the best rate and with terms that work for you.
Who Is Kapitus For?
Kapitus provides business funding to small, medium, and large businesses. Most of its funding options require annual revenues of $180,000 or more. Still, no matter your business size, a team member from the company will discuss your needs and options and help you figure out a financing solution for your business.
Is Kapitus Worth It?
As a direct lender, Kapitus has more flexibility in the types of financing it can offer. If your business needs funding, and you need help figuring out the best kind of funding and the terms you should seek, Kapitus can help you through the process. Its commitment is to help every business get cost-effective financing when needed.
How to Get Started with Kapitus
If you want to get started, visit the company website and fill out a simple online application form for business financing. The form takes about five minutes to complete.
Based on your information, Kapitus may contact you to discuss the best financing solution for your business. Typically, once your application is complete, you’ll receive a decision about your loan in around four hours. Depending on the type of financing, you could receive funding in as little as one business day.
