Kapitus vs MFE
Kapitus and Merchant Fund Express compared on requirements, products and how offers are delivered, checked October 2026.
| Kapitus | Merchant Fund Express | |
|---|---|---|
| How it works | Funder with a partner network (KapitusPLUS) | Marketplace: one application matched with multiple funders |
| Minimum credit | 650 for business loans and lines of credit (reported by LendEDU) | 500 minimum (better credit, better offers) |
| Time in business | 2 years for loans/lines (reported) | Varies by funder and product |
| Revenue | $250,000 annual for loans; $180,000 for lines (reported) | Varies by product |
| Amounts | Not published on homepage | $25,000 to $5,000,000 (product ranges) |
| Speed | Not published on homepage | Same-day decision; funding typically next business day after signing |
| Products | Business loans, lines of credit, revenue-based financing, SBA; "up to six competing offers with one application" | Merchant cash advance, business line of credit, second position funding, buyouts on balances of $100,000 or less |
| States | Not published | All 50 states |
Sources: Kapitus homepage, LendEDU review, Trustpilot; checked October 2026. Kapitus is a trademark of its owner; Merchant Fund Express is not affiliated.
Both offer comparison: Kapitus says one application can bring up to six competing offers through KapitusPLUS, and Merchant Fund Express matches one application with multiple funders.
Requirements differ. Kapitus loans and lines are reported at 650 credit and two years in business; Merchant Fund Express publishes 500 credit, with other requirements varying by funder.
Products overlap: Kapitus lists business loans, lines, revenue-based financing and SBA; Merchant Fund Express offers MCAs, lines, second position funding and buyouts on balances of $100,000 or less.
Amounts and speed were not published on Kapitus’s homepage; Merchant Fund Express lists product ranges from $25,000 to $5,000,000 and same-day decisions with next-business-day funding after signing.
For owners with an existing advance, Merchant Fund Express’s buyouts and structured second positions are relevant options.
For SBA options, Kapitus lists SBA; Merchant Fund Express focuses on faster products.
Illustrative scenario: a construction firm with a 690 score, four years in business and $1.2M in annual revenue fits Kapitus’ reported loan criteria and could see up to six offers. A newer firm with a 560 score and $25,000 monthly deposits falls below them and fits Merchant Fund Express’s 500 floor.
Both offer comparison: Kapitus through its KapitusPLUS partner network, Merchant Fund Express as a marketplace. The difference is the profile each serves best and the products, such as buyouts on balances of $100,000 or less at Merchant Fund Express.
Compare written offers on total payback and payment frequency.
Kapitus also lists SBA; Merchant Fund Express focuses on working capital.
Request both offers in writing to compare.
Established businesses with 650+ credit and two years of history can compare Kapitus’s competing offers with Merchant Fund Express offers. Younger businesses or lower scores fit Merchant Fund Express’s 500 floor better. Compare written offers on total cost and payment fit.
Good fit:
Compare first if:
Request a written Kapitus quote and a Merchant Fund Express application, then line up net cash, total payback and payment frequency. Credit from 500, same-day decisions, funding typically the next business day.
No, they are separate companies.
Yes; Kapitus up to six through KapitusPLUS, Merchant Fund Express through multiple funders.
Merchant Fund Express publishes 500; Kapitus loans and lines are reported at 650.
Kapitus lists SBA options.
Merchant Fund Express offers buyouts on balances of $100,000 or less.
Kapitus says up to six through KapitusPLUS; Merchant Fund Express matches multiple funders.
Kapitus lists SBA.
Same-day decision. Applying takes a few minutes and will not affect your credit score.
