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Business Lines of Credit
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Last Updated: 04/18/2025

Kapitus Business Lines of Credit

in Business Lines of Credit from Kapitus

Last Updated: 04/18/2025

Kapitus Business Lines of Credit logo
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APR (Fixed APR)

Starting at 6.25%(Verified 06/21/2024)
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Credit Score Range

625 - 850

Amount Range

Up to $500,000

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Kapitus Business Lines of Credit Review

Kapitus Business Lines of Credit is offered by Kapitus, a direct lender founded in 0 and based in New York, NY. Kapitus Business Lines of Credit are available in states.

Kapitus Business Lines of Credit FAQ

What APRs does Kapitus Business Lines of Credit offer?

Kapitus Business Lines of Credit offers an APR that starts at 6.25% APR.

Does Kapitus Business Lines of Credit charge an origination fee?

Yes, Kapitus Business Lines of Credit charges an origination fee starting at 2.5% of the line of credit amount starting at $395 Kapitus Business Lines of Credit deducts the fee directly from your line of credit amount before disbursing the fund, so make sure you take this fee into account when deciding how much you need to borrow.

Does Kapitus Business Lines of Credit charge prepayment fees?

Yes, Kapitus Business Lines of Credit charges additional fees to borrowers who pay off their lines of credit sooner than anticipated. Take this into consideration when choosing a lender because prepayment penalties can reduce or even cancel the interest savings of repaying a line of credit early.

What is the maximum term you can get with Kapitus Business Lines of Credit?

Kapitus Business Lines of Credit offers business lines of credit with terms ranging from 3 to 36 months. Having the option of longer terms allows borrowers to take on larger line of credit amounts while keeping monthly payments more affordable. However, the longer the term of the amounts you borrow, the more interest you will pay.

What do you need to qualify for Kapitus Business Lines of Credit?

Applicants with a credit score of at least 625 and up to 850 may be eligible for Kapitus Business Lines of Credit. The minimum age to be eligible is 18 or the state minimum, whichever is higher.
Kapitus Business Lines of Credit does not have or does not disclose a minimum annual income eligibility requirement.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by Kapitus Business Lines of Credit.
To qualify, applicants may need to provide the following documentation:
  • Proof of income
  • Bank account information
  • Business formation documents
  • Proof of identity

What is the estimated funding time for the Kapitus Business Lines of Credit?

Kapitus Business Lines of Credit can fund business lines of credit within 2 business days of approval.

What are the business financing requirements for Kapitus Business Lines of Credit?

To apply for Kapitus Business Lines of Credit, the applicant needs to provide the following documentation:
  • Business license
  • Business bank account

Does Kapitus Business Lines of Credit report your account activity to credit bureaus?

Yes, Kapitus Business Lines of Credit reports to the following credit bureaus:
  • Equifax
  • Experian
  • TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.

Does Kapitus perform a hard credit pull?

Yes, Kapitus Business Lines of Credit performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.

What types of business lines of credit does Kapitus offer?

Kapitus only offers unsecured lines of credit.

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Message from Kapitus Business Lines of Credit

Get access to cash you need when you need it at better rates than a credit card. Having additional access to working capital is always a best practice when running a small business.  For the times you don’t want or need a large lump sum and the long-term commitments that come with a small business loan; or the times when a business credit card is just not the right choice for the health of your business, a business line of credit may be exactly what you need.  With an expedited application process, affordable rates, and flexible repayment schedules (weekly or monthly), having reliable and continuous access to cash flow has never been simpler. Running a business can make life very unpredictable, with unforeseen equipment repairs, seasonality disruptions, unanticipated growth, and everything in between.  But with a business line of credit arranged by Kapitus, unpredictability does not have to mean a lack of sustainability and stability.  You have the flexibility to cover business expenses that are too large for a credit card at a lower interest rate or cost too little for a small business loan while only paying interest on the amount you use. Having continuous access to working capital and ensuring balanced cash flow – even during the craziest of times – has never been easier.

Contact

Headquarters

1501 Broadway Suite 1515
New York, NY 10036
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Hours of Operation

Sunday
Closed
Monday
9:00AM - 6:00PM
Tuesday
9:00AM - 6:00PM
Wednesday
9:00AM - 6:00PM
Thursday
9:00AM - 6:00PM
Friday
9:00AM - 6:00PM
Saturday
Closed

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