Kapitus LLC

Kapitus is a New York-based small business financing company that provides a range of capital products to small businesses across the United States. Originally known as Strategic Funding Source, Kapitus rebranded in 2019 and has been operating for over a decade.

Kapitus offers several financing products including revenue-based financing, term loans, lines of credit and equipment financing. Revenue-based financing is similar to a merchant cash advance: the company provides upfront capital and collects a set percentage of your daily sales until the agreed total repayment amount is reached. Term loans provide a fixed lump sum repaid over a set period with regular payments. Equipment financing helps businesses acquire machinery, vehicles or tools by spreading the cost over time.

Kapitus positions itself as a lender willing to work with a broad range of small businesses, including those that have had difficulty qualifying for bank loans. The application process is primarily online and approval decisions can come quickly relative to traditional lenders.

As a non-bank private lender, the cost of borrowing from Kapitus is generally higher than what you would pay at a bank or through an SBA loan program. Revenue-based financing and merchant cash advances often carry a high effective annual cost of capital, and business owners should calculate the full dollar cost of repayment before accepting any offer.

Kapitus also offers an equipment financing division, Kapitus Equipment Financing, as a separate product line. The company serves businesses across most industries in the United States.

Before using Kapitus, compare the total cost of its financing products against alternatives including your bank, credit unions, SBA loans and other online lenders. Non-bank lending can be a useful tool in specific circumstances, but understanding the full cost is essential.