Company overview
Direct lender · HQ · New York, NY
Revenue Based Financing (MCA style)Business Term LoanBusiness Line of CreditEquipment Financing & LeasingSBA LoanInvoice FactoringPurchase Order Financing
Kapitus is a financial services company founded in 2006 that provides a range of financing solutions to small and medium-sized businesses (SMBs). It operates as both a direct lender and a marketplace, leveraging an extensive network of partners and strategic acquisitions to offer a diverse product suite including term loans, revenue-based financing, and equipment financing.
Company focus
- Legal name
- Strategic Funding Source, Inc.
- Business role
- Direct lender
- Also known as
- Kapitus
- Headquarters
- New York, NY
- Founded
- 2006
- Employees
- 501-1000
- Geography
- Kapitus serves businesses nationwide. However, product availability and terms are not uniform across all states and are subject to local eligibility, underwriting criteria, and state-specific regulations, particularly commercial financing disclosure laws in states like California, New York, Utah, and Virginia. For example, applicants from California and New York are required to upload four months of business bank statements. The company holds a California Finance Lenders License (No. 603-G807) to operate in that state.
- Industries
- Kapitus is a generalist lender that provides financing to businesses in nearly every industry. However, it has a particular strategic focus and specialization in capital-intensive sectors, especially following its acquisition of Ten Oaks Commercial Capital. These specialized industries include construction, manufacturing, hospitality, and healthcare. The company's equipment financing products are specifically tailored to support businesses in these verticals that require significant capital for critical equipment.
- Excluded industries
- Cannabis (inferred), Adult entertainment (inferred), Gambling (inferred)
- Specialties
- Kapitus provides financing up to $5 million, a cap significantly higher than many alternative lenders. This allows them to serve mid-market businesses with larger capital requirements for expansion, equipment, or working capital., Following the October 2024 acquisition of Ten Oaks Commercial Capital, Kapitus launched a dedicated equipment financing division. They offer terms up to 72 months, a simplified application for amounts up to $500,000, and plan to fund transactions directly on their balance sheet, indicating deep specialization., Kapitus operates as both a direct lender and a marketplace (KapitusPLUS). This hybrid model increases the probability of finding a suitable financing option for a broad range of business credit profiles, enhancing overall application placement rates., The company markets its rapid decision-making, with approvals possible in as few as 3-4 hours for some products and funding within 24 hours. This speed is a key differentiator for businesses with urgent capital needs., Unlike single-product funders, Kapitus offers a diverse range of solutions including Revenue-Based Financing, Term Loans, Lines of Credit, Equipment Financing, SBA Loans, and Invoice Factoring, positioning itself as a one-stop-shop for various business financing needs., Kapitus runs a structured program for ISOs and brokers, offering 'industry-leading commissions,' commissions on renewals, volume-based bonuses, and a streamlined submission portal. This indicates a strong focus on building and maintaining partner relationships.
Reported eligibility
- Reported score (scale not specified)
- 50
- Monthly revenue from
- $20,833
- Time in business (months)
- 24
- Accepts stacked positions
- No
Funding & terms
- Funding from
- $10,000
- Funding up to
- $5,000,000
Third-party reputation
- Reported research
- Kapitus has a strong online reputation with a high volume of reviews (790-890) and an aggregate rating of 4.5 to 4.6 out of 5 stars. A large majority (80-86%) of reviews are 5-star. Positive themes consistently praise the speed of funding and helpful, professional account representatives. Negative themes center on the high cost of financing (high effective interest rates, confusing fees), aggressive collection tactics, and poor customer service when resolving billing disputes.
- Reading this research
- Third-party ratings are historical research, not a Plutus merchant rating. Legal and cost statements are attributed reports, not findings by Plutus; confirm the original sources and current terms.