Kapitus Funding Reviews - Financial Lender Pros & Cons

tamara-cohen writer
By Tamara Cohen
Updated October 30, 2020
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In this article, we provide a review of Kapitus Funding, a lender that delivers a variety of financial products, including equipment financing, business loans, lines of credit, and MCA financing.

Types of loans
Business loans
Loan amounts
$10,000 to $1,000,000
Terms of payment
4-18 months
  • Range of financial products
  • Approves borrowers with lower personal credit scores
  • Fast and easy application and approval process
  • Rates may be high
  • Additional high fees may apply
  • Must complete application in order to compare offers

Company Profile

Businesses seeking funding solutions will likely find a small business loan that suits their needs with Kapitus. The lender offers business loans ranging from $10,000 to $1,000,000. Kapitus is also known by the company name Strategic Financial Solutions, or SFS, in California. The lender offers flexible daily and weekly repayment options on short term business loans for any operational or strategic need.

Credit Policy

Businesses often need extra cash to cover operational expenses, but do not qualify for bank loans. Kapitus Funding carries loan offers that make it easier for businesses to qualify. MCAs, for example, require repayment from future revenue, so the borrower’s credit health is less important to the lender than anticipated business earnings. Even applicants with less than stellar personal credit profiles will likely find a loan with Kapitus, if they meet some basic criteria.

While approval criteria are flexible, businesses will need to meet certain requirements in order to be considered for a loan:

Businesses that meet these requirements will be considered for a small business loan from Kapitus.


The majority of borrowers must meet the above criteria to qualify for standard loans, but some Kapitus reviews show that exceptions have been made in the past. Kapitus does offer retention pricing. Businesses that qualify for retention pricing will have higher approval rates and around a 3.5% discount on payments.

Cautionary Industries

Kapitus Funding is likely to approve loans to businesses that meet the minimum criteria. Financing amounts and terms are typically determined by business cash flow, transaction volume, and the industry.

While most industries are eligible for loans from Kapitus, there are certain sectors that do not qualify. These are determined to be higher risk to the lender. The industries excluded are:

Target Market

Building and scaling a business often requires working capital. When business owners face temporary cash flow challenges or large expenses, there often isn’t the time for a length loan application and approval process. This is where Kapitus can help. The industries that Kapitus provides funding to are:

Term Length

The length of business loan terms from Kapitus Funding ranges from 4 to 18 months. Loan terms are determined by a range of factors, including loan amount and borrower’s financial profile.

What’s Required to Apply

Kapitus offers fast online application and approval for business loans. The application requirements are minimal — merchants seeking financing must submit a completed and signed application form and at least six months of recent bank statements.

Applicants will be required to include basic business and personal information in the loan application. To expedite the process, prepare all of the necessary documents in advance:

Business name and address Federal tax ID Industry that the business operates in Business start date Requested loan amount Proof of business revenue Details about any current financing

Once the application and documents are received, Kapitus will process the application swiftly. Once approved, funds are transferred to the borrower’s account.

Factor Rates

Instead of paying typical interest rates, factor rates refer to a fixed cost that is set for the duration of the contract. The factor rate on loans from Kapitus range from 1.12 to 1.26.


Kapitus does not approve loan applications for businesses that already have active financing, or stacking.

Documentation Fees

Kapitus does not charge any fee for receiving application documents.

Origination Fees

Kapitus charges a 2.5% origination fee to cover the cost of handling and approving a loan.

Renewal Policy

Kapitus makes it easy for businesses to access additional funding once they have already received a loan. Borrowers that have repaid at least 50% of the original loan amount can apply to renew the loan.

Interest Forgiveness

While Kapitus does not offer interest forgiveness for early payment, they do not have a prepayment penalty either - no fees or charges are associated with paying back a loan in full.

Loan Use

There are many reasons why a business might require some extra financing. Kapitus permits loans to be used for any business-related purpose, making this lender a good option for any growing business.

Once approved, some potential uses for a business loan from Kapitus include:

Online Reputation and Kapitus Reviews

Businesses interested in borrowing from Kapitus Funding will be pleased with the lender’s online positive reputation online. With many positive reviews, Kapitus customers are generally pleased with repayment terms, customer service, and other features. Kapitus doesn’t have the highest Trust Pilot score among online lenders but is rated a respectable 3.6/5.

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Customer Reviews

star star star star star Average Customer Rating |18 Reviews