Features

Where does Capfusion do business?

Capfusion is a direct lender based in Prairie Village, KS. It was founded in 2013 and offers access to business loans in 50 states (and Washington, DC)..

Does Capfusion charge an origination fee?

Yes, Capfusion charges a loan origination fee starting at 5% of the loan amount. Capfusion deducts the fee directly from your loan amount before depositing your money, so make sure you take this fee into account when deciding how much you need to borrow. 

What limitations does Capfusion set on the purpose of the loan?

Some lenders only provide business loans for certain purposes. Capfusion offers considers loan applications for the following reasons:

  • Equipment purchase
  • New location
  • Product or service expansion
  • Working capital
  • Business debt refinance

What types of business loans does Capfusion offer?

Not all business loans are made equal. The type of loan you choose will determine the range of rates and terms you receive. Capfusion provides access to the following business loan types:

  • Unsecured term loans

Does Capfusion charge a late fee?

No, Capfusion will not charge you a late fee. Yes, Capfusion charges borrowers with a late payment fee.

Does Capfusion charge prepayment fees?

Yes, Capfusion charges additional fees to borrowers who pay off their loans 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 loan early.

How much can you borrow from Capfusion?

Loan amounts start at $1,000 and go up to $1,000,000.

What is the maximum loan term you can get with Capfusion?

Capfusion offers business loans with terms ranging from 3 to 12 months. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your loan, the more interest you will pay.

What do you need to qualify for a loan with Capfusion?

Capfusion doesn’t disclose its credit score minimum.

Capfusion does not require borrowers to have been in business for a minimum number of years. Active duty servicemembers and their covered dependents are eligible to apply for a loan via Capfusion. Its rates and terms fall within the limits of The Military Lending Act.

Only U.S. citizens and permanent residents can apply for a loan.

To qualify, applicants may need to provide the following documentation:

  • Proof of income

  • Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
  • Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
  • Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
  • Minimum Revenue
    $10000
  • Verification Documents Required?
    Proof of Income
  • Origination Fee
    Starting at 5%
  • Business Loan Type
    • ACH Cashflow Loan
    • Unsecured Term Loan
  • Intended Use of Funds
    • Business Debt Refinance
    • Equipment Purchase
    • Lease Improvements
    • New Location
    • Product or Service Expansion
    • Working Capital
  • Loan Amount
    $1000 - $1000000
  • Loan Term Range (Months)
    3 - 12
  • Max Loan Term (Months)
    12
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