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Kapitus

Listed
Broker and lender for revenue based financing and working capital loansArlington, VirginiaBased in Virginia; service area not yet provided
View Kapitus on Best Business Loan Brokers →View 1 loan officer at this lender ↓
BBLL 000127Listed Oct 2026From public recordsLast checked Oct 31, 2026
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About

Kapitus offers multiple financing products through its own operations and financing network. Compare the specific program, funding entity and written agreement.

Online lender. Takes applications and makes credit decisions online.

This entry starts from public records. The lender fills in the rest when it claims the entry, which is free.

Financing they offer

Revenue based financingWorking capital loansTerm loansEquipment financingBusiness lines of creditInvoice factoring

Some products may be arranged through other lenders.

Medical and dental
From the lender's own site and public records.

A second look at Kapitus

Kapitus offers multiple financing products through its own operations and financing network. Compare the specific program, funding entity and written agreement.

Product pages distinguish Kapitus and its financing network; equipment through Kapitus Equipment Finance, lines of credit through the financing network. Marketing footer says loans may be funded by WebBank, with actual lender identified in the agreement.

Published by Levr, not by Kapitus. This is a source-based profile and editorial assessment, not customer reviews or a promise of approval. Sources checked October 31, 2026.

Visit the official provider website →

Programs and published requirements

Compare the specific program and legal funding entity on your offer. Advertised limits and minimums do not guarantee eligibility or your price.

Business loans

Funding route
Kapitus and/or financing-network provider
Published amount
Up to $5,000,000
Repayment
6 to 24 months. daily / weekly / monthly payment options; confirm your offer.
Published program requirements
Months in business: 24; Annual revenue (USD): 250,000; Credit score: 650; Business location: US.
Eligibility discrepancy to confirm
The detailed program page lists 650 FICO; a marketing page lists 625. Confirm which threshold applies to the actual program offered.
Pricing
A complete program-specific rate and fee schedule was not established by the sources reviewed. Ask for the full written pricing; do not substitute pricing from another product.
Security
Some larger loans may require collateral; not a blanket unsecured product.
Early payoff
FAQ says no early-payment penalties; this does not establish that all remaining finance cost is waived.
Restrictions
Product FAQ says Kapitus does not provide startup loans.

Provider sources: Business loans official program · Provider role and program disclosures

Equipment financing

Funding route
Kapitus Equipment Finance
Published amount
From $20,000. Page says no maximum financing amount; $500k is application-only threshold, not loan ceiling.
Repayment
Up to 72 months.
Published program requirements
Months in business: 24; Credit score: 660.
Pricing
Advertised interest starts at 7.5%; not identified as fee-inclusive APR.
Security
Page says financed equipment only, no cross-collateral required.
Early payoff
Page says no early payoff penalty; request payoff calculation.
Equipment scope
new and used equipment, medical and dental, laundromat, restaurant, construction, material handling
Equipment conditions
Revenue-generating equipment from a licensed dealer.
Cash contribution
Up to 100% equipment cost; no down payment for qualified buyers.

Provider sources: Equipment financing official program · Provider role and program disclosures

Business line of credit

Funding route
Kapitus financing network
Published amount
Up to $750,000
Repayment
12 to 36 months. daily / weekly / monthly payment options; confirm your offer.
Published program requirements
Months in business: 24; Annual revenue (USD): 180,000; Credit score: 650; Business location: US.
Pricing
A complete program-specific rate and fee schedule was not established by the sources reviewed. Ask for the full written pricing; do not substitute pricing from another product.
Security
Secured and unsecured options discussed; provider and agreement determine requirements.

Provider sources: Business line of credit official program · Provider role and program disclosures

Revenue-based financing

Funding route
Kapitus and/or financing network
Published amount
Up to $5,000,000
Repayment
No fixed repayment term; duration depends on revenue.. daily / weekly / monthly payment options; confirm your offer.
Published program requirements
Months in business: 24; Annual revenue (USD): 250,000; Credit score: 650; Business location: US.
Pricing
A complete program-specific rate and fee schedule was not established by the sources reviewed. Ask for the full written pricing; do not substitute pricing from another product.
Security
Page advertises no personal assets as collateral; do not infer no personal performance guaranty.
Structure
Purchase of future sales, not a loan or equity issuance; fixed financing cost expressed using a factor rate.

Provider sources: Revenue-based financing official program · Revenue-based financing official program · Provider role and program disclosures

When it may fit

Our assessment of the published programs

  • Established US businesses may compare multiple financing types through one platform.
  • Equipment buyers can investigate a distinct equipment program rather than assume general loan criteria apply.

What to weigh carefully

  • The funded product may come from a partner; identify the actual lender.
  • Minimums differ by program and marketing page.
  • Short loan terms and frequent payments need comparison against monthly cash generation.
  • No early-payment penalty does not by itself mean proportional savings.

Questions before you accept an offer

  1. Will Kapitus, Kapitus Equipment Finance, WebBank or another partner be the actual lender?
  2. Is my offer a business loan, line, equipment contract or receivables purchase?
  3. Which credit threshold applies: the program page or marketing page?
  4. What fees are withheld and what net amount arrives?
  5. What is total repayment and what changes if I pay early?
  6. What liens, collateral and guarantees are required?
  7. For equipment, are the vendor, asset age, soft costs and delivery expenses eligible?

Ask for written terms. Compare net cash received, total repayment, fees, payment timing and early-payoff costs for the same financing need.

Prepare your comparison

Use the same questions and figures for each offer you receive.

Alternatives to research

These are options for a related financing need, not a ranking or a claim of equivalent eligibility or pricing.

National Funding

Compare smaller equipment purchases and working-capital offers.

OnDeck

Compare term-loan or credit-line payment obligations.

The lender

Type
Online lender
Legal name
Kapitus LLC
Founded
2006
Charter
Not yet provided Add it
Headquarters
Arlington, Virginia
Service area
Based in Virginia; service area not yet provided
Meets in person
Not yet provided Add it
Languages
Not yet provided Add it
Program approvals
Not yet provided Add it
Also lends to consumers
Not yet provided Add it
Website
kapitus.com
LinkedIn
Company page

Loan officers at this lender (1)

Each loan officer here has a profile of their own.

RH
Reid HarrisListedStrategic funding for small business
Loan officer. Listed from public records. Details fill in when Reid claims the profile.
Unclaimed
New York, NY

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