King Capital

What King Capital does

King Capital (The King Capital, LLC) is a US-based private alternative business lender headquartered in New York City's Financial District, providing capital to small businesses and startups that have difficulty accessing traditional bank financing. The company offers seven core financing products — Revenue Based Financing, Invoice/Receivables Financing, Equipment Financing, Business Term Loans, Business Line of Credit, SBA Loans, and HELOC — with funding amounts up to $2 million across the portfolio and up to $5 million per piece for equipment financing or revenue-based financing. The company claims over 95% approval rates in as little as 2 hours, with no collateral or personal guarantee requirements, and reports "millions of dollars funded monthly" without quantitative disclosure.

King Capital operates a direct-to-consumer SMB acquisition model combining SEO-optimized vertical-specific landing pages for Construction, Contractors, Healthcare, Hospitality, Logistics, and Wholesalers; an educational blog with named authors; phone-based funding specialists (888-811-6101) with after-hours availability; multi-step online application and contact forms; and a Trustpilot review integration. Revenue is generated through interest charges, origination fees, and transaction-based financing fees on its lending portfolio. The company explicitly co-invests its own capital alongside clients, signaling a balance-sheet lending model rather than a marketplace or brokerage.

No proprietary technology platform, AI/ML capabilities, patents, leadership team, headcount, funding rounds, or audited revenue figures are disclosed in the source material. All operations are US-domestic with no stated international expansion. The competitive positioning centers on speed (2-hour approvals, same-day funding), accessibility (no collateral, no personal guarantee, performance-based underwriting rather than asset-based), and a vertically-tailored SMB focus across six industries.

Name

King Capital

Legal name

The King Capital, LLC

Website

https://kingscapital.com

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

King Capital is a US-based alternative business lender providing small businesses and startups with rapid access to capital through seven financing products including revenue-based, invoice, equipment, and SBA loans. The company serves six verticals nationwide via direct-to-consumer channels.

Ownership category

akta.pro rank

Product category

Alternative Small Business Lending

NAICS

Sales Financing (52222)

SIC

Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Merchant Cash Advance (MCA) & Revenue-Based Financing (FSAKAGAD)

akta.pro secondary industries

SME Term Loans & Growth Capital (FSAKAGAB), SBA/Government-Backed & Development Finance Loans (FSAKAGAI)

Keywords

• Alternative business lending
• Small business financing
• Revenue based financing
• Equipment financing
• SBA loans

Headquarters

HQ city

New York

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Revenue-Based Financing: Flexible funding based on business revenue with repayments that adjust to cash flow. Interest and fees charged on funded amounts.
2. Invoice/Receivables Financing: Purchase of unpaid invoices at a discount, providing immediate working capital to businesses. Fee-based revenue from the discount rate.
3. Equipment Financing: Loans secured by equipment, with monthly payments over fixed terms. Interest revenue generated.
4. Business Term Loans: Lump sum loans with fixed repayment terms and competitive rates. Interest revenue over the loan term.
5. Business Line of Credit: Revolving credit lines with interest charged only on drawn amounts. Ongoing interest revenue.
6. SBA Loans: Government-backed financing products facilitated for small businesses. Origination fees and interest revenue.
7. HELOC: Business Home Equity Lines of Credit secured by real estate. Interest revenue on drawn amounts.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

King Capital provides alternative business financing products to small businesses and startups across the United States, including revenue-based financing, invoice/receivables financing, equipment financing, business term loans, business lines of credit, SBA loans, and HELOCs. Funding up to $2 million is approved in as little as 2 hours with no collateral or personal guarantee required, and same-day funding is available.

Product overview

King Capital offers a comprehensive suite of alternative business financing products designed for small businesses and startups. The portfolio includes seven core financing products: Revenue Based Financing (flexible repayment tied to business revenue), Invoice/Receivables Financing (immediate capital from unpaid invoices), Equipment Financing (up to 100% equipment value with affordable payments), Business Term Loans (lump sums for expansion with flexible terms), Business Line of Credit (revolving credit with interest-only payments on amounts used), SBA Loans (government-backed with competitive rates and longer terms), and HELOC (home equity-based business financing). These products serve multiple industries including construction, contractors, healthcare, hospitality/restaurants, logistics, and wholesalers, with funding amounts up to $2 million and approvals often within 2 hours.

Differentiator

Problem solved

Functional benefit

Products and services

• Revenue Based Financing Flexible funding based on business revenue with repayments that adjust to cash flow, ideal for growing companies that want capital without fixed payment pressure.
• Invoice / Receivables Financing Turns unpaid invoices into immediate working capital, allowing businesses to get paid in days instead of waiting weeks or months.
• Equipment Financing Financing up to the full value of equipment needed for business growth with affordable monthly payments, without large upfront costs.
• Business Term Loans Lump sum financing for expansion, inventory, or major investments with flexible repayment terms and competitive rates.
• Business Line of Credit Revolving credit line that can be drawn from whenever needed, with interest charged only on the amount used.
• SBA Loans Government-backed financing with lower rates and longer terms designed to support long-term business growth.
• HELOC (Home Equity Line of Credit) Business financing option leveraging home equity for flexible access to capital.

Quantifiable outcome

• 95%+ approval rate in under 2 hours
• +4 more outcomes

Named customers4 records

Segments6 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Lendio: Lendio is a small business lending marketplace that matches SMBs with multiple financing products (term loans, lines of credit, equipment financing, SBA loans). Both companies target SMBs underserved by banks and offer similar product sets, though Lendio operates as a marketplace aggregating 75+ lenders rather than funding directly.
• OnDeck (now Enigma): OnDeck is a direct online small business lender offering term loans and lines of credit to SMBs, with a similar speed-and-accessibility positioning (online application, fast decisions, evaluation based on business performance). Highly comparable product offering and customer segment.
• BlueVine: BlueVine provides working capital solutions to small businesses via invoice factoring, lines of credit, and term loans. Overlapping product set (especially invoice/receivables financing) and SMB target market; comparable speed and digital-first distribution model.
• Credibly: Credibly offers working capital loans, merchant cash advances, lines of credit, and SBA loans to small businesses with a focus on speed and accessibility. Closely comparable product mix to King Capital, especially the revenue-based/MCA-style offering.
• National Funding: National Funding provides small business loans, equipment financing, and working capital to SMBs across the US. Direct competitor in equipment financing and term lending with the same speed-focused value proposition.
• Fundbox: Fundbox provides small business working capital lines of credit and invoice advances to SMBs via a digital platform. Similar revenue-based repayment mechanics and small business target segment.
• Forward Financing: Forward Financing provides revenue-based financing and working capital to small businesses in the US. Closely comparable to King Capital's revenue-based financing product with similar SMB customer profile.
• Rapid Finance: Rapid Finance is an SMB-focused alternative lender offering term loans, lines of credit, merchant cash advances, and SBA loans. Comparable product breadth and direct-to-SMB distribution model.

Broad incumbents

• American Express Business Blueprint (formerly Kabbage): American Express acquired Kabbage to offer working capital lines of credit to small businesses. Acts as a broader incumbent offering SMB financing as part of a much larger payments/financial services portfolio, competing with King Capital on working capital products.

Emerging players

• altLine by The Southern Bank: altLine by The Southern Bank is a bank-affiliated revenue-based financing provider for small businesses. Provides direct comparison point for King Capital's RBF product, with a similar SMB revenue-share model but different funding structure (bank-backed).

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/kingcapitalnyc
• Facebookfacebook.com/King-Capital-NYC-108590744927700
• LinkedInlinkedin.com/company/king-capital-nyc

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

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 King Capital