Published fundingUp to $5 million

Products reviewedBusiness loan, Equipment financing, Revenue-based financing, Provider network

Best fitEstablished firms comparing large financing routes

Some financing is supplied through the Kapitus network, so the named provider can change by offer.

Kapitus at a glance

Kapitus serves established businesses through business loans, equipment finance and revenue-based products. It also uses a provider network, making lender identity and price format part of the review. The advertised maximum is not a promise of approval. A final offer can be smaller and can use a different payment structure after the provider reviews revenue, credit, industry, state and recent bank activity.

What works

Large published limits
Equipment and operating products
Monthly payments may be available
Network can add product choice

What needs a closer look

High published revenue threshold
Provider role varies
Revenue-based pricing differs from APR
Equipment ownership terms need a separate check

Published starting profile

Time in businessPublished business-loan guidance starts around 2 years

Business revenuePublished guidance starts around $250,000 annually

Credit profilePublished business-loan guidance starts around 650 FICO

ApprovalSubject to underwriting and a final agreement

What the financing actually looks like

Provider role

Business-finance company using its own products and a provider network, depending on the request.

Pricing

Loans use rate and fee disclosures. Revenue-based financing commonly uses a factor. Equipment finance has its own rate, term and asset costs.

Repayment

Business loans can use daily, weekly or monthly schedules. Equipment and revenue-based products follow separate contracts.

Security

Guarantees, UCC liens and equipment security depend on the chosen product.

Availability

State, industry and network-partner rules apply.

Application file

Kapitus publishes business-loan guidance around two years in operation, $250,000 in annual revenue and 650 FICO. Equipment guidance can use a 660 score threshold.

One brand can lead to different providers

Kapitus states that some business-loan offers come through its network. That means the application brand may not be the lender brand. Ask whether Kapitus or another company supplies the funds, then save the provider's disclosures. This also makes complaint research and state licensing checks more accurate.

Equipment should stay on an asset schedule

Kapitus advertises equipment financing up to $500,000. A machine with a seven-year working life may justify a longer monthly schedule than unsecured working capital. Compare any lease buyout, insurance requirement and lien release. The cheapest monthly number is not always the cheapest ownership route.

Revenue-based finance needs sales headroom

A percentage or fixed remittance can feel flexible when revenue is strong. It becomes awkward when gross sales hold up but margins fall, because the payment is tied to receipts rather than profit. Test the offer using a low-margin month, not the best recent deposit total.

Who should keep it on the shortlist?

An established, higher-revenue business comparing a conventional loan with equipment or revenue-based finance.

A startup or microbusiness below the main published revenue and operating-history thresholds. That second group should compare a bank, credit union or government-backed route before paying for a shorter online process.

Our view

Kapitus offers scale and product breadth, but the provider role and price format need to be identified offer by offer. No published threshold can predict an individual approval, and no company maximum should set the size of the request.

How to read the offer

Ask for the cash delivered after withheld fees, total dollars repaid, number of payments and payment frequency. Then read the personal guarantee, UCC filing, collateral, default and early-payment sections. If the offer uses a factor, calculate an estimated annualized cost for comparison without pretending that estimate changes the contract into a loan.

Model the payment against the weakest recent revenue month. Leave payroll, sales tax, suppliers and existing debt in the bank forecast. A fast approval can still be the wrong product when automatic withdrawals create another gap before the financed project returns cash.

Primary sources checked

Kapitus business loans ↗Kapitus equipment financing ↗Kapitus revenue-based financing ↗

Accessed July 16 and 17, 2026. Company pages can change after publication.

Compare beyond one company

Start with the amount and repayment the business can carry.

Compare options →