Kapitus®Small Business Loans
Get the working capital loan you need to run the business you want
FAST AND AFFORDABLE BUSINESS FINANCING:
- Competitive industry rates
- Flexible terms to fit your business needs
- 5-minute application
- Approval in as little as 4 hours
- Funding in as little as 24 hours
MINIMUM BUSINESS REQUIREMENTS:
- 625 credit score
- 2+ years in business
- $250K average annual revenue
Copyright 2022 • Kapitus • All Rights Reserved Loans made in California are issued by Strategic Funding Source, Inc. dba Kapitus, pursuant to California Finance Lenders License No. 603-G807.
Small business loans in all shapes and sizes – for expenses of all shapes and sizes
Getting access to affordable, reliable financing from a trustworthy lender is at the top of the to-do list for every small business owner. With Kapitus small business loans, you can cross that task off your list. With business term loans up to $5 Million, rates and terms that meet every business need, and flexible payment options that complement incoming revenue, you can end your search right here.
Why Consider A Business Loan?
Business loans are one of the most versatile forms of business financing available to owners on the market today. They are available in a large range of sizes, come with an array of payment options and there is no limit on the way you can use the funds for your business. Whether you’re looking to grow, maintain daily operations, or build yourself a cash flow safety net to manage the unexpected, Kapitus can help you build the right loan product for your unique business needs.
Business Flexibility
Kapitus business loans can be used for any business purpose, unlike business loans provided by traditional lenders and the SBA which often have restrictions on use associated with them.
With competitive rates and a variety of terms and payment plans available, you have the ability to build out a loan product that is created specifically for your business needs.
Wallet-Friendly
Competitive rates mean you might end up paying less than a traditional bank loan, keeping more of your hard-earned revenue in your business account, not ours.
With a range of payment terms available, we will work with you to build a payment plan that works with the ebb and flow of your business revenue.
Time Sensitive
Additional bandwidth and free time are not a perk that comes with running a small business; so we established an underwriting process that requires minimal documentation for approval.
With an expedited underwriting process, you can receive approval in as little as four hours and have the funds in your bank in less than three days, so you can get the working capital you need quickly and securely.
Business Loans – What You Need To Know
Business loans are a great working capital resource, regardless of the current priorities of your business. Whether your focus is expanding your business, ensuring you have cash reserves for slow periods or unanticipated disruptions, or you’re looking for additional cash flow to help maintain daily operations, you’ll be able to find exactly what you need with a Kapitus Small Business Loan.
Do I Qualify For A Business Loan*?
Qualifying for a business loan through Kapitus is easier than you think! Depending on the amount you are looking to secure, there are minimum criteria that you must meet (perfect credit not required!), including:
- You must have a personal credit score of at least 625.
- Your business needs to have been operating for at least two years.
- You need to have a minimum of $250,000 in annual revenue.
Kapitus financing products vary by state, so business loans may not be available to everyone. Not to worry! We have a product for every business in every state. Please contact a Kapitus Financing Specialist to discuss your particular circumstances.
How To Apply?
The Kapitus business loan application process is quick and painless! It should only take you about 5-10 minutes to get your full application package submitted. Simply fill out our online form, and provide your three most recent bank statements, and…that’s it, you’re done! Once your package has been submitted, a Kapitus Financing Specialist will be in touch with a decision or, when necessary, to learn more about your business. Once approved, your Financing Specialist will work with you to build out terms and a payment plan that works best for your business.
Who Should Use A Business Loan?
Kapitus business loans are available to businesses in almost every industry (though some exclusions do apply) and are useful when unexpected expenses arise. Here are the industries that most frequently use our Business Loans:
- Personal Services
- Business Services
- General Contractors
- Restaurants
- Retail
- Specialty Trades
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We Silence The Noise On The Internet
There is SO MUCH INFORMATION on business financing available through the internet. Determining what information is correct, which lenders are trustworthy and which financing option is right for you can seem like an impossible task. We’re here to put an end to the noise. As specialists in small business financing for 15 years, we’ve stayed on top of this ever-changing landscape. Our financing specialists have in-depth knowledge of how each financing product works and the situations in which each product is best applied.
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And In Your Head
We value and use data just as much as the next guy. But, we also know that businesses are run by humans, and that many times a fully data-driven scenario is not the appropriate course of action. This is why we take a consultative approach when helping small businesses seeking financing. We listen to your situation. We get a thorough understanding of your needs. We prioritize your wishes around the type of funding you are looking to acquire. We put your mind at ease by helping you find the best possible financing solution for your business.
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No Financial Smoke & Mirrors
With Kapitus, what you see is what you get. We keep the best interests of our customers at the center of the financing process by being up-front about every aspect of the application and funding process. At Kapitus, our core tenets are transparency, fairness and integrity – this is how we empower business owners to make educated financial decisions and keep their businesses thriving.
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