Small Business Loans by Kapitus

Kapitus offers small business loans and revenue-based financing that approve owners primarily on bank deposits and monthly revenue rather than credit score alone, typically funding $10,000 and up in roughly 24-48 hours for businesses with a FICO around 500+ and several months of operating history. In practice it works as both a direct funder and a marketplace: you submit one application, and the offers that come back are structured around your cash flow — a set amount of capital repaid through fixed daily or weekly remittances tied to your deposits. That makes it a fit for owners who have healthy, consistent sales but do not fit a bank's credit-and-paperwork box, and a weak fit for anyone who needs the lowest possible annual rate and can afford to wait weeks. No legitimate funder can promise a yes, and any offer of "guaranteed" approval should be treated as a red flag.

How Kapitus small business loans actually work

The core product is working capital advanced against your revenue. Instead of underwriting a fixed monthly payment the way a bank amortizes a term loan, the underwriter reads the last several months of business bank statements: average daily balances, deposit frequency and size, how steady revenue looks month to month, negative days, and how many other advances are already pulling from the account. From that picture they size an amount of capital your cash flow can carry, along with a remittance schedule — usually a fixed daily or weekly debit from your operating account.

Because approval leans on deposits over credit, the decision is fast and the documentation is light: an application plus a few months of bank statements is the typical starting point, not tax returns, a business plan, or collateral filings. The trade-off is honest and worth stating plainly — money priced on revenue and speed carries a higher cost of capital than a bank term loan or an SBA loan. You are buying certainty and turnaround, not the cheapest dollar available.

Who qualifies, and what underwriters really look for

The baseline is designed to be reachable for real operating businesses rather than only pristine borrowers. Typical thresholds look like this, and every funder sets its own floor:

• Personal credit: FICO around 500 and up. Credit is one input, not the gate.
• Revenue: consistent monthly deposits are the heart of the file. Many owners qualify starting near $10,000 to $15,000 in monthly revenue.
• Time in business: generally at least 6 months of operating history so there is a deposit record to read.
• Bank health: few negative or overdraft days, deposits that match the revenue you claim, and an account that is not already stacked with several other daily-debit advances.

What actually moves an approval is the quality and consistency of deposits. Two businesses with identical revenue can get very different offers if one has steady daily card and ACH deposits and the other has a few lumpy wires and several overdrafts. Clean, predictable cash flow is the strongest thing you bring to the table.

Products offered through Kapitus

Kapitus is broader than a single advance. Through one application an owner may see several structures, which is the advantage of a marketplace model — you compare options side by side instead of chasing them one lender at a time.

• Revenue-based financing / working-capital advance: the flagship. Capital sized to deposits, repaid via fixed daily or weekly remittances.
• Short-term business loan: a fixed amount with a set term and regular payments, for owners who want a defined payoff timeline.
• Line of credit: a revolving limit you draw on as needs come up and repay as you go — useful for recurring gaps rather than one lump need.
• Equipment financing: the equipment itself serves as collateral, which can lower cost versus unsecured working capital.
• Invoice factoring: advancing cash against unpaid receivables for businesses that invoice other companies and wait 30-90 days to get paid.

If your need is a one-time working-capital gap, the revenue-based advance is usually the fastest route. If the need is recurring, a line of credit often costs less over a year because you only pay for what you draw.

Example scenarios (illustrative, not quotes)

The figures below are labeled for example to show how offers scale with revenue and cash-flow health. They are not quotes, and your actual amount, factor, and schedule depend on your bank statements.

Notice the pattern: stronger, cleaner deposits pull offers toward larger amounts, longer terms, and gentler weekly remittances. Thinner or choppier cash flow pulls offers toward smaller amounts and shorter, daily schedules that de-risk the file.

Decision framework: when Kapitus fits and when to avoid it

Match the tool to the job. Revenue-based funding is a genuinely good answer for some situations and the wrong answer for others.

Works best when:

• You have steady deposits but a credit score or paperwork profile that a bank rejects.
• The need is time-sensitive — payroll, inventory before a busy season, a repair that keeps you earning, a same-week supplier discount worth more than the cost of capital.
• The use of funds generates near-term revenue, so the new cash flow helps carry the remittance.
• You have been declined by a bank or SBA lender and need a bridge now.

Avoid or wait when:

• You qualify for a bank term loan or SBA loan and can wait the weeks it takes — those cost far less.
• Your margins are thin and a daily debit would strangle operating cash rather than fund growth.
• You are borrowing to cover a structural loss, not a timing gap; new capital does not fix an unprofitable model.
• You are already carrying multiple advances. Stacking is the fastest path to a cash-flow spiral.

A simple gut check: if the funded dollars will earn or save more than the cost of the capital within the remittance window, the math tends to work. If they will not, slow down.

How to apply and fund faster

Speed is mostly about giving the underwriter a clean file up front. To fund in the 24-48 hour range rather than dragging it out:

• Have 3-6 months of business bank statements ready as PDFs straight from your bank, not screenshots.
• Use your true operating account — the one where revenue actually lands. Deposits that match your stated revenue build trust fast.
• Clean up before you apply if you can: a couple of weeks without overdrafts and without adding new advances noticeably strengthens the read.
• Know your number and your purpose. An owner who can say exactly how much they need and what it funds gets a tighter, faster offer.
• Compare the offers you receive. Because this is a marketplace, look at the total cost of capital, the remittance amount against your daily cash, and the term before you sign.

For the fundamentals behind these choices, see our pillar guide on business funding options and how revenue-based financing compares with traditional loans.

How Kapitus compares to Lendio, OnDeck, and banks

Owners usually weigh a few names together, and the honest comparison is about trade-offs, not a single winner.

• Versus a bank or SBA loan: banks win on price and term length; Kapitus wins on speed, documentation, and willingness to approve on cash flow when credit is imperfect. Different tools for different situations.
• Versus OnDeck: both serve the fast working-capital lane. OnDeck leans toward term loans and lines with its own box; a marketplace model can surface more structures from one application, which matters when you do not fit the first funder's criteria.
• Versus Lendio: Lendio is a broad marketplace that shops your file across many lenders. Kapitus can act as both funder and marketplace, which can mean a more direct path to an offer but a narrower set of partners.

The practical move is to get an offer, then judge it on cash flow: can your account absorb the remittance and still leave you room to operate? That question matters more than the brand on the paperwork.