How much can I borrow from Kapitus?

Amounts vary by product: MCAs up to $500K, term loans up to $5M via partners, equipment financing up to $2.5M, lines of credit up to $150K.

Is Kapitus the same as Strategic Funding Source?

Yes. Kapitus was formerly known as Strategic Funding Source. The company rebranded in 2018 but retained the same operating team and product offerings.

What is Kapitus's minimum credit score?

650+ is typical for most products. Equipment financing and MCA products have more flexible credit thresholds (down to 600 for MCA).

← What is a Merchant Cash Advance (MCA)? The Complete Guide

Kapitus Review 2026: Rates, Terms, and What to Expect

Item: Kapitus Small Business Financing
Rating: 3.8
Author: Bar Alezrah

Kapitus offers MCAs, term loans, equipment financing, and lines of credit up to $5M. Our honest review of their products, rates, and borrower feedback.

By Bar Alezrah4 min readPublished April 14, 2026 · Updated April 14, 2026

Key Takeaways

Kapitus offers the widest product range in the MCA space: MCAs, term loans, equipment financing, lines of credit, invoice factoring, and SBA loans.
Funding up to $5 million via partner network — highest cap of any MCA-focused funder.
Factor rates 1.15 to 1.45 on their MCA product.
Operating since 2006, formerly known as Strategic Funding Source.
Best for: larger businesses ($500K+ revenue), those wanting to compare multiple product types from one provider.

3.8/5

Our editorial rating. How we rate.

Kapitus (formerly Strategic Funding Source) has funded over $5 billion to small businesses since 2006. Unlike most MCA providers that focus on one or two products, Kapitus offers six distinct financing types, which makes it useful for borrowers who want to compare options from one lender.

Products Offered

Merchant cash advance — factor rates 1.15-1.45, up to $500K
Term loans — APR 8-35%, 2-10 year terms
Equipment financing — up to $2.5M for equipment
Business line of credit — up to $150K
Invoice factoring — via partner network
SBA loans — via partner network

Pros

Widest product menu in MCA space
Long operating history
Transparent product comparisons during application
Dedicated consultant model

Cons

Not the cheapest on any single product (generalist, not specialist)
Some borrowers report multiple sales calls from different reps
MCA factor rates can climb to 1.45 for higher-risk borrowers

If you are facing a collection action or legal dispute with Kapitus, our Kapitus lawsuit guide covers common claim patterns and your response options.

Frequently Asked Questions

What products does Kapitus offer?

MCA, term loans, equipment financing, LOC, invoice factoring, SBA loans.

How much can I borrow?

Varies: MCA $500K, term loans up to $5M, equipment up to $2.5M.

Is Kapitus the same as Strategic Funding?

Yes, rebranded in 2018.

Credit score required?

650+ typical. 600+ for MCA.

Disclaimer: The MCA Guide provides free educational content about merchant cash advances. We are not a lender, broker, or financial advisor. This content is for informational purposes only and does not constitute financial, legal, or tax advice. Some links may be affiliate links. Always consult a qualified professional before making business financing decisions.