Kalamata Capital Group

What Kalamata Capital Group does

Kalamata Capital Group, LLC is a US-based specialty finance and fintech platform that provides working capital financing to small and medium-sized businesses. Its core offerings include Merchant Cash Advances and Small Business Loans with approvals up to $750,000 and funding decisions in as little as 3 hours, distributed via inside sales, an online application portal, and broker/referral channels. The company targets four primary verticals: Retail/Wholesale/eCommerce, Medical/Dental/Pharmaceutical, Trucking/Construction/Logistics, and Restaurant/Hotel/Franchises, with additional COVID-era capabilities in SBA PPP loan facilitation (up to $2M) and supply chain financing for PPE (up to $10M per order, 30-120 day terms).

The company operates an integrated SMB ecosystem through wholly-owned subsidiaries: Kalamata Asset Management (investment management services), Kalamata Payments (payment processing and omnichannel solutions with approvals in 15 minutes), and Software & Analytics (reporting, tracking, and data analytics for FinTech companies, capital providers, and specialty lenders). Headquartered in Bethesda, MD with offices in Pearl River, NY and Miami Beach, FL, Kalamata is a subsidiary of Kalamata.com, LLC (founded 2013), operating as a privately held LLC.

Kalamata's revenue model is transaction-fee based across its lending and payments products, with funding for receivables sourced primarily through capital markets securitizations rather than traditional equity rounds. The company completed an $80M inaugural securitization in April 2024 (expandable to $500M, BBB rated) and a $111.87M follow-on securitization in April 2026 (A- rated), demonstrating improved credit quality and access to institutional capital. Customer acquisition relies on direct phone-based inside sales, an online self-serve application funnel, and earned media coverage in Forbes, Bloomberg, and BusinessWeek.

Name

Kalamata Capital Group

Legal name

Kalamata Capital Group LLC

Website

https://kalamatacapitalgroup.com

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

51–100 employees

Short description

Kalamata Capital Group is a US-based fintech platform providing merchant cash advances and small business loans up to $750,000 to SMBs across retail, medical, trucking, and restaurant verticals, supported by an integrated ecosystem of payments, asset management, and analytics services.

Ownership category

akta.pro rank

Product category

Small Business Lending

NAICS

Commercial Banking (522110), Other Financial Vehicles (525990)

SIC

Short-Term Business Credit Institutions (6153), Asset-Backed Securities (6189)

akta.pro primary industry

SME Lending & Working Capital Platforms (FSAGAJAA)

akta.pro secondary industries

SME Term Loans & Growth Capital (FSAKAGAB), SME Trade Finance & Working Capital (LCs, Guarantees, Receivables) (FSABABAF), SME Cash Management & Payments (Merchant, ACH/Wires, Payroll) (FSABABAD)

Keywords

• Small business lending
• Merchant cash advances
• SBA PPP loans
• Payment processing services
• Asset management services

Headquarters

HQ city

Bethesda

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Merchant Cash Advances: Provides merchant cash advances to small businesses, repaid based on future receivables. Primary revenue stream for working capital financing.
2. Small Business Loans: Direct lending to SMBs for working capital and growth needs, with approvals up to $750,000.
3. Securitization Revenue: Structured finance through asset-backed securitizations of small business receivables. Completed $111.87M securitization in April 2026 (Series 2026-1) and $80M initial securitization in April 2024.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels9 records

Core offering

Kalamata Capital Group provides working-capital financing to small businesses in the form of Merchant Cash Advances and Small Business Loans with approval amounts up to $750,000 and funding decisions in as little as 3 hours. The lending business is supported by an integrated ecosystem of three sub-brands — Kalamata Asset Management (investment management for funds), Kalamata Payments (omnichannel payment processing with 15-minute approvals), and Kalamata Software & Analytics (reporting and data analytics for FinTech firms and SMBs) — plus PPP loan facilitation and supply chain financing for PPE orders up to $10 million.

Product overview

Kalamata Capital Group operates as an integrated financial technology platform providing small business financing solutions. The core offering consists of Merchant Cash Advance (MCA) and Small Business Loans up to $750,000 with rapid 3-hour approvals. The platform is supported by three interconnected ecosystem components: Kalamata Asset Management (investment management), Kalamata Payments (payment processing), and Software & Analytics (reporting and data analytics). Additional modules include PPP Loan Facilitation for COVID-era government-backed loans and Supply Chain Financing for B2B receivables.

Differentiator

Problem solved

Functional benefit

Brands

• Kalamata Asset Management: Asset management firm providing investment management services to funds and other entities
• Kalamata Payments
• Kalamata Capital

Products and services

• Merchant Cash Advance (MCA) Provides working-capital financing to small businesses where repayment is made through a percentage of daily or weekly sales, designed for businesses needing quick access to funds.
• Small Business Loans Provides financing solutions with approvals for up to $750,000 and funding decisions in as little as 3 hours, serving small businesses nationwide across most industries.
• Paycheck Protection Program (PPP) Loan Facilitation Partnership-enabled platform facilitating SBA PPP loans up to $2 million for small businesses impacted by COVID-19, in partnership with an SBA-approved lender bank.
• Supply Chain Financing Facilitates B2B purchases and financing of receivables through technology-enabled non-bank partners, supporting 30-120 day payment terms for up to $10 million per order, including PPE supply chain financing.
• Kalamata Asset Management

Quantifiable outcome

• Approvals up to $750,000 in as little as 3 hours
• +3 more outcomes

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

One partnership is on record.

• Technology-Enabled Non-Bank Online Financing CompanycoreStrategic or Co-development Partner · 4 May 2020Kalamata partnered with a technology-enabled, non-bank, online financing company specializing in supply chain finance to facilitate purchasing of PPE (Personal Protective Equipment) during the COVID-19 pandemic. This partnership enabled 30-120 day payment terms for up to $10 million per PPE order, supporting first responders in the United States by financing the entire PPE value chain from manufacturers to distributors to retailers.

Scale indicators8 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Fundbox: Online SMB lender providing working capital advances and lines of credit with rapid underwriting. Comparable fintech-driven underwriting and SMB focus.
• CAN Capital: Long-standing MCA and small business loan provider to retail, restaurant, and service SMBs. Closely aligned product mix and vertical specialization.
• Fora Financial: Direct MCA and small business loan provider to retail, restaurant, and service SMBs. Closely matches Kalamata's product mix, vertical segmentation, and rapid-approval positioning.
• National Funding: Provides MCAs and small business loans to underserved SMBs across retail, restaurant, and service industries. Comparable product offering, vertical focus, and inside-sales distribution.
• Credibly: SMB working capital provider offering MCAs, term loans, and lines of credit with fast decisioning. Direct competitor on product, customer segment, and speed.
• OnDeck Capital (now OnDeck / ODX): Direct competitor offering term loans and lines of credit to small businesses with rapid online underwriting. Highly comparable on product set, target customer, and speed-of-funding value proposition.
• Rapid Finance: Direct competitor providing MCAs and small business loans with rapid approval process. Comparable product suite and SMB target customer.
• BlueVine: SMB-focused online lender offering working capital, lines of credit, and invoice factoring with fast approvals. Comparable fintech underwriting model and small-business customer base.

Broad incumbents

• Square (Block) Capital: Embedded SMB lending product from Block, offering working capital advances to merchants using Square's payments ecosystem. Comparable on product and SMB segment, with payments-platform distribution advantage.
• Intuit QuickBooks Capital: Embedded SMB lending arm of Intuit offering MCAs and lines of credit to QuickBooks SMB customers. Comparable product and SMB customer base with deeper platform data advantage.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/kalamatacapital
• YouTubeyoutube.com/channel/UCbeT7PTUpJm0A_AWHCxqkww/featured
• Facebookfacebook.com/Kalamata-Capital-Group-1873486502739725
• LinkedInlinkedin.com/company/kalamata-capital-group
• Instagraminstagram.com/kalamatacapitalgroup

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Subsidiaries5 records

Funding overview

Funding rounds2 records

Investors1 record

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

M&A

Investments

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

Frequently asked questions about Kalamata Capital Group