capytal

What capytal does

Capytal.com is a U.S. FinTech alternative finance company operating as the SMB lending brand under NewCo Capital Group. It originates short-duration working capital primarily through Receivables Based Financing (RBF), a structure functionally equivalent to a Merchant Cash Advance: an upfront lump sum is advanced to a business in exchange for a fixed factor rate (stated range 1.1 to 1.5) and repaid via automatic daily sweeps of a percentage of credit card and bank receipts, typically within an 18-month cap. The product is positioned for sub-prime or thin-file SMB borrowers, with stated minimums of a 550 credit score, one year in business, $50,000 annual revenue, and $2,500-$5,000 in monthly card sales. Adjacent products include Lines of Credit, Equipment Financing, and Vendor Financing, broadening wallet share with the same borrower base.

The underlying platform emphasizes speed and accessibility over depth: marketing claims a 1-hour approval and 15-minute funding window, a soft-pull application flow, and supporting technology such as AI-assisted fraud detection, blockchain-based transaction security, and digital wallet integrations. The platform also exposes broker-side tooling (lead, CRM, deal tracking, reporting) to an ISO Broker channel that funnels SMB applicants into Capytal's capital pool, complementing a direct online application path. Distribution is nationwide across what the company describes as 100+ industries, with active content marketing (a multi-page blog), earned media coverage in Business Insider, MarketWatch, PR Newswire, and Seeking Alpha, and organic social presence on Facebook and Instagram. Leadership is a shared NewCo/Capytal C-suite headed by CEO Albert Gahfi and CFO David Feit, supported by a Chief Credit Officer, Chief Risk Officer, Chief Revenue Officer, Chief Legal Officer, and functional directors across underwriting, activation, operations, and treasury.

Revenue is generated on a transaction-fee basis: each RBF advance yields factor-rate economics tied to gross funded volume, with parallel economics on Lines of Credit, Equipment, and Vendor Financing. Pricing is quote-based and not publicly disclosed; terms are set post-application review. The company is private, does not disclose revenue, funding, or headcount, and has no public certifications, patents, mobile app, or developer API, leaving most operating metrics opaque to outside observers.

Name

capytal

Legal name

Capytal.com

Website

https://capytal.com

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Alternative 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

Merchant Cash Advance & Revenue-Based Financing Enablement (FSAGALAH), SME Credit Risk, Underwriting & Financial Data (B2B Fintech Data/Decisioning) (FSAGAJAM)

Keywords

• Merchant cash advance
• Receivables based financing
• Small business lending
• Alternative finance platform
• Working capital solutions

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Receivables Based Financing (RBF): Capytal.com generates revenue through Receivables Based Financing where they provide upfront lump-sum capital to businesses in exchange for a percentage of their daily credit card sales. The total repayment is calculated using a factor rate multiplied by the initial advance amount. Repayments are automatically deducted as a percentage of daily bank deposits until the advance plus fees are fully repaid.
2. Lines of Credit: Revenue generated from Lines of Credit products offered to SMBs, providing flexible access to capital with repayment terms tied to business revenue.
3. Equipment Financing: Specialized financing for equipment purchases where businesses acquire machinery or equipment through payment plans arranged by Capytal.com, generating fees and interest revenue.
4. Vendor Financing: Vendor financing arrangements allowing businesses to purchase equipment or services through payment plans, with Capytal.com facilitating and earning revenue from these arrangements.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

Capytal.com provides Receivables Based Financing (RBF) to small and medium-sized businesses, advancing upfront lump-sum capital in exchange for a percentage of the business's daily credit card and debit card sales, with automatic daily repayments deducted from bank deposits. The company supplements RBF with Lines of Credit, Equipment Financing, and Vendor Financing, delivering 1-hour approvals, 15-minute funding, and soft credit pull assessments nationwide across 100+ industries.

Product overview

Capytal.com is a FinTech Alternative Finance company operating as a unified platform that provides multiple financing products centered around Receivables Based Financing (RBF) as its primary offering. The product portfolio consists of Receivables Based Financing (the core product, also known as Merchant Cash Advances, where capital is advanced against future credit card sales with flexible daily repayments), supplemented by Lines of Credit for flexible access to funds. Additional offerings include Equipment Financing for purchasing physical assets and Vendor Financing for vendor-arranged payment plans. The platform is marketed as offering fast access to capital with 1-hour approvals and 15-minute funding, leveraging technology for streamlined processing and soft credit pull assessments.

Differentiator

Problem solved

Functional benefit

Products and services

• Receivables Based Financing (RBF) A financing solution where Capytal.com provides upfront lump-sum capital in exchange for a percentage of the business's future credit card and debit card sales, with repayment made through automatic daily deductions based on a percentage of daily bank deposits. Designed for small and medium-sized businesses seeking fast, flexible working capital with credit scores as low as 550.
• Lines of Credit A flexible credit facility providing small and medium-sized businesses with access to funds as needed, allowing them to draw funds up to a certain limit and pay fees only on the amount used. Repayment terms are tied to business revenue.
• Equipment Financing Specialized financing for purchasing machinery or equipment, offering competitive rates and terms tailored to the useful life of the equipment. Designed for small and medium-sized businesses needing to acquire physical assets.
• Vendor Financing A financing arrangement that allows businesses to purchase equipment or services through a payment plan arranged by the vendor, with Capytal.com facilitating the financing and earning revenue from these arrangements.

Quantifiable outcome

• 15-minute funding capability
• +3 more outcomes

Named customers3 records

Segments4 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature6 records

Partnerships

Two partnerships are on record, tiered core and minor.

• NewCo Capital GroupcoreOthersCapytal.com operates as part of or in close association with NewCo Capital Group. The company is described as a FinTech Alternative Finance company providing SMB financing solutions. Capytal.com's parent/affiliated entity handles executive leadership including CEO Albert Gahfi and CFO David Feit who are referenced in NewCo Capital Group executive insights published in financial media outlets. The relationship includes shared branding on press releases and industry thought leadership content.
• 2023 Funders Forum SponsorsminorGTM or Marketing PartnerCapytal.com (NewCo Capital Group) served as sponsors of the 2023 Funders Forum event. This sponsorship demonstrates the company's presence in the alternative financing industry and commitment to engaging with the broader funding ecosystem.

Scale indicators3 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Rapid Finance: Rapid Finance is a direct MCA peer delivering SMB working capital with daily remittance-style repayment, comparable underwriting thresholds, and similar broker/ISO distribution to Capytal.
• CAN Capital: CAN Capital is a direct MCA/RBF peer — a long-standing alternative finance lender to SMBs providing working capital advances repaid via a percentage of daily card receipts, virtually identical to Capytal's RBF product.
• BlueVine: BlueVine is a direct fintech SMB working-capital peer offering lines of credit and invoice factoring to small businesses — a more digitized, venture-funded competitor serving similar SMB verticals as Capytal.
• National Funding: National Funding is a direct SMB MCA and small-business loan competitor offering working capital advances with daily remittance repayment, closely mirroring Capytal's RBF and lines-of-credit offering.
• Fundbox: Fundbox is a direct SMB working-capital peer providing lines of credit and invoice-based advances to small businesses via embedded platforms and direct channels — overlapping Capytal's lines-of-credit and ISO-broker distribution.
• Credibly: Credibly is a direct SMB working capital and MCA peer offering daily-payment merchant advances and lines of credit to small businesses across multiple verticals — overlapping almost entirely with Capytal's product set.
• Forward Financing: Forward Financing is a direct revenue-based financing peer providing working capital to SMBs repaid via a fixed percentage of daily receivables — directly comparable to Capytal's core RBF product.

Emerging players

• Lendio: Lendio is an SMB lending marketplace that aggregates multiple funders — comparable to Capytal in serving the SMB working-capital segment, but operates as a broker/aggregator rather than a direct capital provider.

Others

• NewCo Capital Group: NewCo Capital Group is Capytal.com's parent/affiliated entity and is referenced as the operating sponsor of Capytal's financing programs; included as a peer for direct comparability to Capytal's product and operations.

Broad incumbents

• OnDeck (Enova): OnDeck, now part of Enova, is a broad incumbent in SMB online lending offering term loans and lines of credit — a much larger, publicly-backed competitor addressing similar SMB working-capital demand as Capytal.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/capytalfunding
• Instagraminstagram.com/capytal_dot_com
• LinkedInlinkedin.com/company/capytal-com

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

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 capytal