Kapitus

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.

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

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

• Small business financing
• Equipment financing
• Revenue-based financing
• Business line of credit
• Invoice factoring

Headquarters

HQ city

New York

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Operations, Infrastructure, Technology or R&D, Personnel, Marketing or Sales, Others

Revenue model

1. 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.
2. 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.
3. 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.
4. Business Line of Credit: Revolving credit lines up to $750,000 with variable interest rates. Customers only pay interest on amounts drawn.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core 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

Segments6 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

One partnership is on record.

• Various Financing Network PartnerscoreChannel Partner/ Reseller/ DistributorKapitus 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

Direct 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

• Xx.com/KapitusFinance
• YouTubeyoutube.com/channel/UCvZ5ahnMH9jCnN0lP4rRROA
• Facebookfacebook.com/KapitusFinance
• LinkedInlinkedin.com/company/kapitus
• Instagraminstagram.com/kapitus_financing

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds6 records

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A2 records

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Kapitus