Kapitus
Kapitus is a private, NYC-based alternative lender founded in 2006 that has deployed over $7 billion in capital to approximately 65,000 U.S. small and mid-sized businesses through term loans, SBA loans, lines of credit, equipment financing, and revenue-based financing.
- Company typePrivate
- Founded2006
- HeadquartersNew York, United States
- Headcount251–500
- GTM typeB2B
- OfferingServices
What Kapitus does
Kapitus (legal name: Strategic Funding Source, Inc.) is a private, New York City-based alternative lender founded in 2006 that provides financing solutions to small and mid-sized businesses (SMBs) across the United States. The company has deployed over $7 billion in capital to approximately 65,000 small businesses since inception and operates with 251-500 employees. Its core product suite includes business term loans, SBA loans, lines of credit, equipment financing, revenue-based financing, invoice factoring, and purchase order financing, with verticalized offerings such as Helix Healthcare Financing and exposure to trucking, restaurants, medical, plumbing, and construction segments.
The company's technology platform, KapitusPLUS, functions as a financing marketplace and lead-generation engine that connects SMBs with capital across multiple product lines. Underwriting is supported by an internal AI capability led by CTO Ella Haman, with emphasis on data cleaning, data governance, and phased automation of credit decisioning. The business model is sales-led and direct-lending plus marketplace, generating revenue primarily through net interest margin on originated loans, fee-based products, and ABS-driven portfolio economics. Capital is sourced through a mix of asset-backed securities, investment-grade corporate notes, and institutional equity, with total debt facilities of approximately $585M as of June 2024 expanded to roughly $680M following a $345M raise in July 2025.
Kapitus has executed multiple large debt raises between 2014 and 2025, acquired Ten Oaks Commercial Capital in October 2024 to extend its equipment finance footprint, and partnered with capital-markets and data providers (e.g., Brean Capital, Experian) to support origination, distribution, and risk decisioning. The customer base is highly diversified across tens of thousands of small businesses, limiting single-name concentration but exposing the portfolio to SMB credit cycles and macro conditions.
Kapitus firmographics
Firmographics- Name
- Kapitus
- Legal name
- Strategic Funding Source, Inc.
- Website
- https://kapitus.com
- Company type
- Private
- Founded year
- 2006
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Short description
- Kapitus is a private, NYC-based alternative lender founded in 2006 that has deployed over $7 billion in capital to approximately 65,000 U.S. small and mid-sized businesses through term loans, SBA loans, lines of credit, equipment financing, and revenue-based financing.
- Ownership category
- akta.pro rank
Kapitus industry classification
Industry- Product category
- Small Business Financing
- NAICS
- Mortgage and Nonmortgage Loan Brokers (52231), Sales Financing (52222), Sales Financing (522220)
- SIC
- Loan Brokers (6163), Miscellaneous Business Credit Institution (6159), Short-Term Business Credit Institutions (6153), Finance Lessors (6172)
- akta.pro primary industry
- SME Term Loans & Growth Capital (FSAKAGAB)
- akta.pro secondary industries
- Equipment & Asset Finance (SME) (FSAKAGAF), Merchant Cash Advance (MCA) & Revenue-Based Financing (FSAKAGAD), Supply Chain Finance (Trade Credit, PO/Inventory Financing) (FSAKAGAE), P2P Small Business / SME Marketplace Lending (FSAKAHAC), SBA/USDA Government-Backed Loan Intermediation (FSAEAEAI)
Keywords
Where Kapitus is headquartered
LocationHeadquarters
- HQ city
- New York
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Kapitus business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Operations, Infrastructure, Technology or R&D, Personnel, Marketing or Sales, Others
Revenue model
- Purchase Order Financing Fees: Fees charged on purchase order financing transactions. The cost structure includes percentage-based fees ranging from 1.8% to 6% per 30-day period depending on the time it takes customers to pay invoices.
- Revenue-Based Financing: Fixed-cost financing where repayment is based on a factor rate applied to the financed amount. Businesses pay a predetermined percentage of revenue (daily, weekly, or monthly) until the agreed total amount is reached. No interest or APR involved.
- Equipment Financing Interest: Equipment financing with interest rates starting at 7.5%, repayment terms up to 72 months. The equipment being financed serves as collateral.
- Business Line of Credit: Revolving credit lines up to $750,000 with variable interest rates. Customers only pay interest on amounts drawn.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Revenue-Based Financing: Up to $5,000,000 with 6-24 month payment periods |
| Subscription | Monthly | Equipment Financing: No maximum loan amounts, rates starting at 7.5%, terms up to 72 months |
| Usage-based | Pay-as-you-go | Business Line of Credit: Line sizes up to $750,000, repayment terms 12-36 months |
| Transaction based/ take rate | Pay-as-you-go | Purchase Order Financing: Factoring lines $200K-$7 Million, funding turnaround as little as 4 days |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels4 records
Kapitus product offering
Product offeringCore offering
Kapitus is a small business financing provider that funds U.S. SMBs directly and through a curated network of partner lenders via its KapitusPLUS single-application process. Its product suite spans business loans, SBA loans, lines of credit, equipment financing, revenue-based financing, invoice factoring, and purchase order financing, with financing sizes ranging from $20,000 to $5 million, approvals in as little as 4 hours, and funding in as little as 24 hours for qualified applicants.
Product overview
Kapitus is a small business financing company offering a comprehensive suite of financing products through both direct lending and an extensive financing network. The core offering includes Business Loans, SBA Loans, Lines of Credit, Equipment Financing, Revenue-Based Financing, Invoice Factoring, and Purchase Order Financing, all accessible through the proprietary KapitusPLUS platform that enables customers to receive multiple competing offers from a single application. Products range from traditional term loans to alternative financing options like revenue-based financing (where payments scale with business revenue) and purchase order financing (for fulfilling large orders without cash depletion). The company also offers specialized healthcare financing through Helix Healthcare Financing. The platform serves small and medium-sized businesses across the U.S., providing financing from $20,000 to $5 million with approval times as fast as 4 hours and funding within 24 hours for qualified applicants.
Differentiator
Problem solved
Functional benefit
Brands
- KapitusPLUS: A curated financing process that allows customers to compare up to six financing options from multiple financing companies through one simple application.
- Kapitus Equipment Finance
Products and services
- Business Loans Flexible small business loans for operations, expansion, and equipment purchases, offered through Kapitus and/or members of its financing network.
- SBA Loans
- Line of Credit
- Equipment Financing
- Revenue-Based Financing
- Invoice Factoring
- Purchase Order Financing
- Helix Healthcare Financing
- KapitusPLUS Marketplace Process
Quantifiable outcome
- Applications can be approved in as little as 4 hours with funds available in as little as 24 hours for qualified businesses
- +3 more outcomes
Companies that use Kapitus
Customer profileSegments6 records
Ideal customer profiles5 records
Kapitus technology and API
TechnologyTechnology focussed No
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Feature1 record
Kapitus partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Various Financing Network PartnerscoreKapitus maintains a network of traditional and alternative financing providers who participate in the KapitusPLUS marketplace, offering competing financing options to applicants through a single application process.
Scale indicators8 records
Recent moves6 records
Expansion highlights5 records
Kapitus competitors and assessment
Company assessmentDirect peers
- Rapid Finance: SMB-focused direct lender offering working capital, term loans, and SBA loans through both direct and partner channels; competes for similar borrowers.
- CAN Capital: Long-standing alternative SMB lender offering working capital and small business loans; competes in the same 'Main Street' SMB segment as Kapitus.
- Fundbox: Focused on SMB working capital and invoice-based financing, overlapping with Kapitus's invoice factoring and short-term loan offerings.
- Credibly: Provides working capital, business loans, and merchant cash advance to SMBs, with a multi-product distribution model comparable to Kapitus's.
- BlueVine: Provides SMB lines of credit, invoice factoring, and term loans, competing head-to-head on working-capital products for U.S. small businesses.
- OnDeck Capital (Enova): Pioneer in online SMB term loans and lines of credit. Overlaps with Kapitus on short-term working capital products for similar SMB customer profiles.
- National Funding: Provides working capital, equipment financing, and merchant cash advance to small businesses, with comparable speed-to-fund positioning to Kapitus.
- Fora Financial: Provides working capital, merchant cash advance, and SBA loans to SMBs, with a verticalized sales motion that mirrors parts of Kapitus's distribution.
- Lendio: Operates an SMB loan marketplace where a single application surfaces offers from multiple lenders, directly analogous to KapitusPLUS. Competes for the same credit-invisible and underserved SMB borrower segment.
Emerging players
- Accion Opportunity Fund: Community-development small business lender offering SBA microloans and working capital to underserved SMBs; partial overlap with Kapitus's credit-invisible borrower focus.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks7 records
Key highlights7 records
Customer concentration
Kapitus social profiles
Digital presenceKapitus financial estimates
Financial estimateRevenue estimate
Valuation estimate
Kapitus leadership team
Management profileNumber of profiles
Profiles5 records
Kapitus funding detail
Funding detailFunding overview
Funding rounds6 records
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Kapitus M&A and investment
M&A and investmentM&A2 records
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Kapitus
What does Kapitus do?
Kapitus is a small business financing provider that funds U.S. SMBs directly and through a curated network of partner lenders via its KapitusPLUS single-application process. Its product suite spans business loans, SBA loans, lines of credit, equipment financing, revenue-based financing, invoice factoring, and purchase order financing, with financing sizes ranging from $20,000 to $5 million, approvals in as little as 4 hours, and funding in as little as 24 hours for qualified applicants.
Is Kapitus a public or private company?
Kapitus is a private company. It is classified as private equity controlled and is currently operating.
When was Kapitus founded?
Kapitus was founded in 2006. It employs 251 to 500 people.
Where is Kapitus based?
Kapitus is headquartered in New York, United States, in the North America region.
How does Kapitus make money?
Four revenue lines are on record. Purchase Order Financing Fees are the primary driver. The others are revenue-Based Financing, equipment Financing Interest and business Line of Credit.
Who are Kapitus's main competitors?
Direct peers on record are Rapid Finance, CAN Capital, Fundbox, Credibly, BlueVine, OnDeck Capital (Enova), National Funding, Fora Financial and Lendio. Accion Opportunity Fund is listed as an emerging player.
Does Kapitus have an API?
Yes. Kapitus exposes a public API. Developer documentation is at kapitus.com/developer-documentation.
What industry is Kapitus in?
Kapitus's product category is Small Business Financing. Its primary akta.pro industry code is FSAKAGAB, SME Term Loans & Growth Capital, with a secondary code of FSAKAGAF, Equipment & Asset Finance (SME). Its NAICS code is 52231 and its SIC code is 6163.