Kapitus

Kapitus operates a multi-offer marketplace rather than a proprietary balance-sheet lending model. A small business submits a single application, and the platform returns competing term sheets from a network of lending partners. This structure allows borrowers to compare rates, terms, and structures before selecting an offer, making Kapitus primarily an originator and broker of small-business credit.

The firm's disclosed product set includes term loans, lines of credit, and revenue-based financing. Loan sizes range from $5,000 to $5 million, aimed at established small- to medium-sized businesses seeking working capital or growth financing. No equity, venture, or mezzanine instruments are disclosed.

No. Kapitus is exclusively a credit operation focused on small-business lending. The firm does not take equity positions in its borrowers, nor does it operate a venture capital or private equity arm. Its platform is designed around debt financing, not ownership.

Kapitus is best described as a technology-enabled financing marketplace or broker. The firm originates applications and distributes them to a panel of third-party lending partners who underwrite and fund the loans. Kapitus itself does not appear to hold loans on its own balance sheet, instead acting as an intermediary in the credit-procurement process.

Kapitus targets established small- to medium-sized businesses in North America that need working capital. The platform emphasizes speed and simplicity in its application process, serving business owners who may lack the time or credit history to negotiate bespoke terms through traditional bank lending. Specific borrower criteria such as minimum revenue, time in business, or credit score thresholds are not publicly disclosed.