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Business Line of Credit

Get access to cash you need when you need it at better rates than a credit card

FAST AND AFFORDABLE BUSINESS FINANCING:

Competitive rates
5-minute application
Approval in as little as 4 hours
No origination fee

MINIMUM BUSINESS REQUIREMENTS:

650 credit score
2+ years in business
$180K 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.

Want to get rid of ridiculous rates and inflexible terms that come with a credit card?

It’s time to consider a business line of credit. Access as little or as much of your credit line as you need, when you need it, for ANY business purpose. Make payments only on the funds you draw!

Why Consider A Business Line Of Credit?

Having additional access to working capital is always a best practice when running a small business.  For the times you don’t want or need a large lump sum and the long-term commitments that come with a small business loan; or the times when a business credit card is just not the right choice for the health of your business, a business line of credit may be exactly what you need.  With an expedited application process, affordable rates, and flexible repayment schedules (weekly or monthly), having reliable and continuous access to cash flow has never been simpler.

Stabilize Cash Flow

Have access to working capital reserves to manage daily operations or cover unexpected business expenses, even during your slow seasons.

Small Business loans require payment even if you aren’t using the cash; but with a business line of credit, you only pay for what you use.

Easy Access

Lines of credit have less stringent requirements than a term loan. Businesses can qualify with a 650+ personal FICO, and funds can be disbursed in as little as 24 hours.

Lines of credit are a revolving type of financing, meaning that businesses can pay off balances as they go and then use the credit again as needed.

Save Money

While the overall interest rate of a line of credit can be higher than a term loan, you only pay interest on the portion of the available money you use.

Credit card rates and fees can be astronomical, but rates associated with a line of credit are typically lower, starting at just 13%.

Increase Adaptability

Whether you’re facing a crisis or an opportunity, a line of credit gives you on-demand access to working capital to navigate almost any situation.

Business seasonality can cause a cash crunch during slow times.  Lines of credit all you to balance cash flow off-season and keep your operations running smoothly.

Business Lines Of Credit – What You Need To Know

Running a business can make life very unpredictable, with unforeseen equipment repairs, seasonality disruptions, unanticipated growth, and everything in between.  But with a business line of credit arranged by Kapitus, unpredictability does not have to mean a lack of sustainability and stability.  You have the flexibility to cover business expenses that are too large for a credit card at a lower interest rate or cost too little for a small business loan while only paying interest on the amount you use. Having continuous access to working capital and ensuring balanced cash flow – even during the craziest of times – has never been easier.

Do I Qualify For A Line Of Credit?

Qualifying for a Line of Credit is not as difficult as you might think!  Depending on the amount you are looking to secure, there are minimal criteria that you must meet (perfect credit not required!), including:

  • You must have a personal credit score of at least 650
  • You must have established business credit
  • Your business needs to have been operating for at least 2 years
  • You need to have an average annual revenue of $180,000

How To Apply?

Applying for a line of credit through Kapitus is simple, taking only minutes to get started.  Simply fill out our online application, upload your three most recent bank statements…and you’re all set!  Upon receipt of your application and bank statements, your Financing Specialist will be in touch letting you know the credit line size for which you qualify and walk you through the next steps.

APPLY NOW

Who Should Use A Line Of Credit?

Kapitus lines of credit are available to businesses in virtually every industry and are useful when unexpected expenses arise.  Here are the industries that most frequently use our Line of Credit Program:

  • Business Services
  • General Contractors
  • Trucking
  • Real Estate
  • Retail
  • Plumbing & Electric

1

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 the small business financing industry for 15 years, we’ve stayed on top of this ever-changing landscape. Our financing specialists are rigorously trained to have in-depth knowledge of how each financing product works and the situations in which each product is best applied.

2

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.

3

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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