Kapitus requirements
Kapitus’s reported requirements, checked October 2026: 650 credit and two years in business for loans and lines, with $250,000 annual revenue for loans and $180,000 for lines.
These figures are reported by LendEDU for Kapitus loans and lines. Revenue-based financing and SBA options may have different criteria; confirm with Kapitus.
| 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.
A 650 credit requirement for loans and lines is stronger than revenue-based providers that accept 500. Owners between 600 and 650 may want to improve their score or compare other options.
Two years in business is a substantial history requirement, typical of loan products. Younger businesses should look at providers that review months rather than years of history.
Revenue of $250,000 a year for loans and $180,000 for lines works out to roughly $20,800 and $15,000 a month. Businesses near those levels should expect smaller offers.
Revenue-based financing through Kapitus may follow different rules than loans; ask directly.
Prepare business bank statements, tax returns where requested, owner ID and a debt schedule.
If you apply through KapitusPLUS, each partner may apply its own criteria to the same file.
Illustrative self-check: a firm with a 670 score, 30 months in business and $300,000 annual revenue meets the reported loan criteria; with $200,000 it would meet the reported $180,000 line threshold but not the $250,000 loan threshold.
Revenue-based financing may use different criteria than loans and lines; ask Kapitus directly.
Why the reported criteria are high: loans and lines with longer terms usually require more history and revenue because the funder is exposed for longer. A business with $250,000 in annual revenue earns roughly $20,800 a month, which is the scale Kapitus reportedly looks for on loans.
If you are one year in and growing fast, ask whether revenue-based financing is available sooner.
Businesses under two years old or with credit below 650 should compare providers with lower floors. Merchant Fund Express publishes a 500 credit minimum and matches one application with multiple funders.
Good fit:
Compare first if:
Merchant Fund Express matches one application with multiple funders whose criteria differ from Kapitus’s, so a file that misses one cutoff may fit another. Credit from 500, same-day decisions, funding typically the next business day.
650 for loans and lines, as reported by LendEDU.
Two years for loans and lines, as reported.
$250,000 for loans and $180,000 for lines annually, as reported.
They may be; confirm with Kapitus.
Compare providers with lower floors; Merchant Fund Express starts at 500.
Reported revenue is $180,000 for lines versus $250,000 for loans.
Longer-term products typically require more operating history.
Same-day decision. Applying takes a few minutes and will not affect your credit score.
