Kapitus
Kapitus Review 2026
The biggest published product ceiling in this roundup, with a disclosed factor-rate range.
Quick answer
Kapitus funds $10,000–$750,000 term loans (up to $5,000,000 across its full menu) at a disclosed 1.10–1.45 factor rate plus a 2.5%–5% origination fee, requiring 625–650+ FICO, 24+ months in business, and $250,000+ annual revenue. Approval can land in as fast as 4 hours with funding within 24 hours — it's one of only two lenders in this roundup that actually publishes its pricing.
Who Kapitus is best for
Businesses with 2+ years of history and $250K+ revenue that want a large funding ceiling and a real published rate range.
At a glance
- Term loan amount
- $10,000–$750,000
- Factor rate
- 1.10–1.45
- Term
- 6–24 months
- Min credit
- 625+ (NerdWallet) / 650+ (Kapitus's own site)
- Time in business
- 24+ months
- Funding speed
- Approval as fast as 4 hours; funds as fast as 24 hours
Third-party sourced — nerdwallet.com/business/loans/reviews/kapitus; Kapitus's own site cites up to $5,000,000 across its full product menu. Verified August 20, 2026
Third-party sourced — nerdwallet.com/business/loans/reviews/kapitus, verified August 20, 2026
NerdWallet review of Kapitus
The two sources disclose slightly different floors — use the higher, more conservative figure
kapitus.com; NerdWallet review agree
kapitus.com; NerdWallet review agree
Pros
- +Publishes an actual factor-rate range (1.10–1.45) — one of only two lenders in this roundup that discloses pricing
- +Large product ceiling — up to $5,000,000 across its full menu (business loans, line of credit, revenue-based financing, equipment financing, PO financing, SBA loans, invoice factoring)
- +Fast funding — approval in as soon as 4 hours, funds as fast as 24 hours
- +Inc. 5000 honoree; $10 billion funded per its own site
Cons
- −Disclosed origination fee of 2.5%–5% of the loan amount plus a wire fee adds real cost on top of the factor rate
- −$250,000 minimum annual revenue is one of the higher bars in this roundup
- −Credit-score minimum differs slightly between Kapitus's own site (650+) and NerdWallet's review (625+) — a minor but real disclosure discrepancy
Kapitus requirements
- 625–650+ personal FICO
- 24+ months in business
- $250,000+ annual revenue
Kapitus alternatives
Top alternatives worth comparing from Best Alternative Business Lenders 2026.
Biz2Credit
Biz2Credit
Established businesses (1+ year, $100K+ revenue) that want to compare several funding types from a single online lender.
Rapid Finance
Rapid Finance
Businesses that want an actual published factor-rate range instead of an undisclosed 'competitive rates' claim.
Expansion Capital Group
Expansion Capital Group
Businesses with weaker credit or shorter history (6+ months) that need revenue-based financing or fast accounts-receivable factoring.
Ready to apply?
Application takes minutes. Pre-qualification (where available) uses a soft credit pull with no impact to your credit score.
See if you qualify→Last verified at the issuer on 2026-08-20
The full lineup
See all picks in Best Alternative Business Lenders 2026
Editorial methodology + complete ranking criteria + side-by-side comparison of all picks.
Read the full guide →Bottom line
Kapitus scores 3.9 / 5 on the ClearValue Rating — a deterministic editorial composite from the product's own published fees, terms, and eligibility. Best for: Businesses with 2+ years of history and $250K+ revenue that want a large funding ceiling and a real published rate range.
◆ How we scored it
The ClearValue Rating, broken down.
- Cost
- 35%
- Fit & approval odds
- 30%
- Speed & terms
- 20%
- Transparency
- 15%
Cost (35%), Fit & approval odds (30%), Speed & terms (20%), Transparency (15%) — scored consistently across every product, independent of compensation. Full methodology →
Frequently asked
Questions about Kapitus
What is Kapitus's factor rate?+
Kapitus's term-loan product carries a factor rate of 1.10 to 1.45, per an independent NerdWallet review. A 2.5%–5% origination fee plus a wire fee apply on top, per the same source — so the total cost of capital runs higher than the factor rate alone suggests.
How much can I borrow from Kapitus?+
NerdWallet's review cites $10,000–$750,000 for Kapitus's specific term-loan product. Kapitus's own site cites funding up to $5,000,000 across its full product menu, which also includes a line of credit, revenue-based financing, equipment financing, PO financing, SBA loans, and invoice factoring.
What credit score does Kapitus require?+
Kapitus's own site states a 650+ personal FICO minimum; NerdWallet's independent review cites 625+. The two sources disagree slightly — treat 650+ as the safer planning figure and confirm your specific eligibility directly with Kapitus.
Is ClearValue Lending affiliated with Kapitus?+
No. ClearValue Lending is a small business funding platform — not a lender, broker, or financial advisor. Kapitus is an independent direct funder (CA Finance Lenders License No. 603-G807). All loan approvals and terms are determined solely by Kapitus. Verify current terms at kapitus.com.
Related guides
Independent editorial review. ClearValue Lending is a business & personal financing platform — not a lender, broker, or financial advisor. Some links are affiliate links; the issuer may pay a referral commission at no cost to you, which never changes the score. Specific product terms vary; verify with the issuer before applying. See privacy policy.