Kalamata Capital Group
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.
- Company typePrivate
- Founded2013
- HeadquartersBethesda, United States
- Headcount51–100
- GTM typeB2B
- OfferingServices
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.
Kalamata Capital Group firmographics
Firmographics- 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
Kalamata Capital Group industry classification
Industry- 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
Where Kalamata Capital Group is headquartered
LocationHeadquarters
- HQ city
- Bethesda
- HQ country
- United States
- HQ region
- North America
Offices3 records
Markets served
Kalamata Capital Group business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Others, Personnel, Technology or R&D, Marketing or Sales, Operations
Revenue model
- Merchant Cash Advances: Provides merchant cash advances to small businesses, repaid based on future receivables. Primary revenue stream for working capital financing.
- Small Business Loans: Direct lending to SMBs for working capital and growth needs, with approvals up to $750,000.
- 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
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Merchant Cash Advance up to $750,000 |
| Other | Pay-as-you-go | SBA PPP Loans up to $10 million |
| Transaction based/ take rate | Pay-as-you-go | Supply Chain Financing up to $10 million |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels9 records
Kalamata Capital Group product offering
Product offeringCore 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
Companies that use Kalamata Capital Group
Customer profileSegments4 records
Ideal customer profiles4 records
Kalamata Capital Group technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Kalamata Capital Group partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Technology-Enabled Non-Bank Online Financing CompanycoreKalamata 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
Kalamata Capital Group competitors and assessment
Company assessmentDirect 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
Kalamata Capital Group social profiles
Digital presenceKalamata Capital Group compliance and trust
Trust signalCompliance1 record
Kalamata Capital Group financial estimates
Financial estimateRevenue estimate
Valuation estimate
Kalamata Capital Group leadership team
Management profileNumber of profiles
Profiles3 records
Kalamata Capital Group subsidiaries and ownership
Company hierarchySubsidiaries5 records
Kalamata Capital Group funding detail
Funding detailFunding overview
Funding rounds2 records
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Kalamata Capital Group M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Kalamata Capital Group
What does Kalamata Capital Group do?
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.
Is Kalamata Capital Group a public or private company?
Kalamata Capital Group is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Kalamata Capital Group founded?
Kalamata Capital Group was founded in 2013. It employs 51 to 100 people.
Where is Kalamata Capital Group based?
Kalamata Capital Group is headquartered in Bethesda, United States, in the North America region.
How does Kalamata Capital Group make money?
Three revenue lines are on record. Merchant Cash Advances are the primary driver. The others are small Business Loans and securitization Revenue.
Who are Kalamata Capital Group's main competitors?
Direct peers on record are Fundbox, CAN Capital, Fora Financial, National Funding, Credibly, OnDeck Capital (now OnDeck / ODX), Rapid Finance and BlueVine. Broad incumbents are Square (Block) Capital and Intuit QuickBooks Capital.
Does Kalamata Capital Group have an API?
No public API is recorded for Kalamata Capital Group.
What industry is Kalamata Capital Group in?
Kalamata Capital Group's product category is Small Business Lending. Its primary akta.pro industry code is FSAGAJAA, SME Lending & Working Capital Platforms, with a secondary code of FSAKAGAB, SME Term Loans & Growth Capital. Its NAICS code is 522110 and its SIC code is 6153.