Easily compare up to six offers to find the best financing solutions for you and your business.
Business Loans at a Glance
A business loan has the power to drive small business success. It is a type of commercial financing that provides you with the working capital you need to cover the costs of running and growing your business. We offer a wide range of business loans, all with customized terms and payment options designed to fit your unique needs. From covering daily operations to expanding your enterprise, our loans are here to help your business thrive.
Submit your application and one of our certified financing specialists will reach out shortly afterward to start the process of building you the best financing package for your business needs. Once you’re approved, you’ll be provided with up to six options to choose from, each varying in amount, terms, and repayment schedules.
Select your ideal loan package and receive a lump sum of cash in as little as 4 days.
Because we respect your time, the Kapitus business loan application process is straightforward and built for real-world small business owners who need capital fast.
Our user-friendly application and minimal required documentation mean that you can get your capital and return your focus on what truly matters — growing your business.
Kapitus takes the stress out of your financing decisions.
With one application, you can access up to six financing offers, giving you the flexibility to explore your options and make an informed decision that works best for you and your business.
Time is money, and you need your cash quickly.
With our streamlined process and the expertise of our certified financing specialists, you can receive your working capital in as little as one day after the finalization of your loan agreement.
Our team is dedicated to securing loans for small businesses at terms that work best for your budget. Our unwavering commitment to seeing your business succeed has earned Kapitus one of the highest satisfaction ratings in the industry. Your success is our number one priority.
Before we can get started with your business loan, we request that some basic minimum qualifications are met. These essential criteria allow our financing specialists to better evaluate your eligibility and individual situation to find you the perfect financing solution for your needs.
Navigating risks is all part of being a small business owner, and we recognize that as well. This is why we must consider some important factors to assess the health of your business and determine if it’s the right time to take on additional debt. Here are the crucial factors we must consider and why:
Personal credit scores provide us insight into how you handle debt on a personal level, which often reflects how you manage debit in your business. If you have bad credit, reach out to one of our financing specialists to see what other options might be available to you.
Lenders prefer businesses with at least two years of operation, since this demonstrates a stronger likelihood of success.
Consistent annual revenue is important to demonstrate your business’s financial stability and ability to make payments. We would never approve financing that could lead to financial strain or a negative impact on your business.
Of course, these criteria are only a small part of what is taken into account when assessing loans for small businesses. A more comprehensive set of criteria[1], that considers the business behind the numbers, will be taken into account as final financing decisions are made.
Tips on Researching Small Business Loans
Before making a decision to pursue any type of loan, it is crucial that you do some research beforehand. Begin by deciding what exactly you’ll be using your loan to purchase. Evaluate your financial status and examine the options that are available to you, such as equipment loans, lines of credit, and SBA loans to see which best fits your business needs.
Once you know what it is you’re looking for, you’ll be better able to match a loan type to your specific needs. Explore various lenders, carefully considering their base rates, prime rates, fees, eligibility requirements, and customer reviews.
If at any point in your journey, you feel as if you need some expert guidance to make an informed decision, don’t hesitate to reach out to one of our financing specialists.
Determining if you need a small business loan depends on your current financial situation and business goals.
If you’re looking to expand, invest in new equipment, manage cash flow gaps, or seize growth opportunities, a loan could be very beneficial to your business. Assess your specific needs, evaluate available resources, and consider the potential return on investment. It’s essential to weigh the benefits of financing against the associated costs and obligations.
To find out how much of a business loan you can afford, it’s best to look at your annual gross sales, creditworthiness, current debts, and overall business health.
Using those numbers, calculate how much of a repayment you can afford and reasonably can manage. Be sure to leave some financial cushion to account for any unexpected expenses.
Finding the most suitable business loan type involves matching your needs with the financing solution that fits them best.
Start by understanding why you need the loan—is it for new equipment, growing your business, or handling day-to-day expenses? How would you prefer to repay it—flexible ongoing access or set payments? Also, think about whether you have collateral and how your credit score comes into play. Consider where your business is at—startup or established player? Your industry matters too.
Lastly, keep your long-term goals in sight. With these factors in mind, explore your financing option and choose the one that has the small business loan rates and terms that best align with your needs and situation.
Applying for a Small Business Loan
When it comes to choosing how to get your service, you’ve got three options: a lender, a marketplace, or hiring a broker. Here is how the process will work with each of these three options.
Lender — Work directly with the loan provider. This is the best way to secure a quick business loan to meet your financial needs.
Marketplace — Connect to many different options and online lenders through a platform. Be aware that this method will require you to do some research to find your best match.
Brokers — A broker is the middle-man between you and your funding. Give your broker your information and they handle the task of finding the right service and solution for you. This option will require you to pay for the broker’s services.
To effectively compare your business loan options, it is helpful to focus on key factors like interest rates, repayment terms, fees, and loan amounts. Consider your specific needs, such as loan purpose and how long you plan to take to repay your loan. Evaluate the lender’s reputation, customer reviews, and eligibility criteria. Look into the application process and turnaround time. If you are unsure how to choose the loan that works best for your business, please reach out to one of our financing specialists. We are here to help you make an informed decision that aligns with your business goals.
Applying for a business loan is a streamlined process. Simply fill out the Business Loan application on the Kapitus website. We only ask for what is necessary to approve your loan.
You’ll need your basic information, credit score, and 3 month’s worth of your business’s bank statements.
*For businesses in California or New York, 4 month’s worth of statements are required.
Applications can be approved in as little as 4 hours.
Once your loan application and terms have been approved, you can expect the funds to be deposited into your designated bank account within 24 hours.
To ensure a smooth repayment process, make sure you’ve set up your repayment plan according to the terms specified in your loan agreement. Consistent, on-time payments are crucial for maintaining a positive financial relationship. If you ever have questions or concerns, don’t hesitate to reach out to our dedicated team of financial specialists. We’re here to help you every step of the way.
Making the most of your small business loan involves strategic choices on your part. It is wise to invest in areas that directly contribute to your business goals, such as investing in new facilities, acquiring inventory, or hiring additional staff. By prioritizing smart spending, you’ll build financial stability and create opportunities for your business to thrive.
If, after submitting your application, you are denied a business loan, then that does not mean financing is out of the picture for your business.
Reach out to one of our financing specialists or visit this website for steps you can take.
Tips on Researching Small Business Loans
Applying for a Small Business Loan
Receiving a Business Loan
What to do if You Were Declined for a Business Loan
Before we can get started with your business loan, we request that some basic minimum qualifications are met. These essential criteria allow our financing specialists to better evaluate your eligibility and individual situation to find you the perfect financing solution for your needs.
Kapitus’ Referral Program is designed specifically for organizations and professionals who work with business owners on a daily basis. As a direct lender, we can offer your clients the opportunity to get financing when they need it, while rewarding you generously for each successful referral. The Referral Program also equips you with advanced training and support, and a wealth of marketing resources for your convenience.
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Copyright 2024 Strategic Funding Source, Inc. All rights reserved. Kapitus and the Kapitus logo are registered trademarks of Strategic Funding Source, Inc. Loans made in California by Strategic Funding Source, Inc. dba Kapitus are issued pursuant to California Finance Lenders License No. 603-G807.