Companies like Kapitus
Companies similar to Kapitus, compared from their public pages in October 2026, for owners who want competing offers or established-business financing.
Kapitus combines direct funding with a partner network. Similar companies include marketplaces and lenders serving established businesses.
Lendio is the closest marketplace peer, connecting businesses with 100+ lenders for loans, lines, SBA, equipment and A/R financing.
OnDeck and Bluevine are direct online lenders with 625 minimums and one year of history, serving established businesses with term loans and lines.
Credibly combines direct funding with a partner marketplace and publishes a 500+ floor, making it accessible to lower scores than Kapitus’s reported 650.
Fora Financial is a direct funder with reported 570 credit and six months in business.
Merchant Fund Express is a marketplace like the KapitusPLUS side of Kapitus, with a 500 credit minimum.
The main differences are credit floors, history requirements and whether SBA options are available.
Similar on profile: OnDeck (625, one year, $100,000 annual) and Bluevine (625+, 12 months, $10,000 monthly) also target established businesses, though with lower reported floors than Kapitus.
Similar on model: Credibly describes itself as a direct funder and partner marketplace, close to Kapitus’ mix of funding and KapitusPLUS.
Illustrative example: a business with a 630 score and 18 months of history may fall short of Kapitus’ reported 650 and two-year marks but meet OnDeck’s and Bluevine’s.
If you want multiple offers from one application, both Kapitus (up to six through KapitusPLUS) and marketplaces provide that; compare how many funders each reaches and which profiles they serve.
Request offers at the same amount when comparing Kapitus peers.
| Kapitus | |
|---|---|
| How it works | Funder with a partner network (KapitusPLUS) |
| Minimum credit | 650 for business loans and lines of credit (reported by LendEDU) |
| Time in business | 2 years for loans/lines (reported) |
| Revenue | $250,000 annual for loans; $180,000 for lines (reported) |
| Amounts | Not published on homepage |
| Speed | Not published on homepage |
| Products | Business loans, lines of credit, revenue-based financing, SBA; "up to six competing offers with one application" |
| States | Not published |
Sources: Kapitus homepage, LendEDU review, Trustpilot; checked October 2026. Kapitus is a trademark of its owner; Merchant Fund Express is not affiliated.
Match your credit and history to each provider, request written offers for the same product and compare total repayment, payment frequency and fees. If you use more than one marketplace, avoid duplicate hard credit pulls by asking how each checks credit.
Good fit:
Compare first if:
Instead of applying to Kapitus and each similar company separately, one Merchant Fund Express application is matched with multiple funders. Credit from 500, same-day decisions, funding typically the next business day.
Lendio, OnDeck, Bluevine, Credibly, Fora Financial and Merchant Fund Express.
Lendio and Merchant Fund Express; Credibly also has a partner marketplace.
Credibly and Merchant Fund Express publish 500.
Kapitus, Lendio and Credibly list SBA options.
Ask each provider how and when it checks credit.
OnDeck and Bluevine publish 625; Credibly 500+.
Lendio and Merchant Fund Express, as marketplaces.
Same-day decision. Applying takes a few minutes and will not affect your credit score.
