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Last Updated: 04/18/2025

Kalamata Capital Merchant Cash Advance

in Merchant Cash Advance from Kalamata Capital

Last Updated: 04/18/2025

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Highlights

Factor Rate

1.12 - 1.28

Amount Range

Up to $750,000

Minimum Revenue

$250,000

APR (Fee-Based Product)

12% - 28%(Verified 06/21/2024)

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Kalamata Capital Merchant Cash Advance Review

Kalamata Capital Merchant Cash Advance is offered by Kalamata Capital, a direct lender founded in 2013 and based in Bethesda, MD. Kalamata Capital Merchant Cash Advance are available in 50 states and Washington, DC.

Kalamata Capital Merchant Cash Advance FAQ

What APRs does Kalamata Capital Merchant Cash Advance offer?

The cost of merchant cash advances is typically marketed as a factor rate, not an APR. Kalamata Capital offers merchant cash advance with a factor rate starting from 1.12 to 1.28 . The higher the factor rate, the higher the fees. For example, an advance of $20,000 with a factor rate of 1.25 will have a total repayment of $25,000, which includes $5,000 in fees.

However, we ran the numbers and we estimate it has an equivalent APR that ranges from 12% APR up to 28% APR.

Does Kalamata Capital Merchant Cash Advance charge prepayment fees?

Yes, Kalamata Capital Merchant Cash Advance charges additional fees to borrowers who pay off their Kalamata Capital Merchant Cash Advance 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 Kalamata Capital Merchant Cash Advance early.

What types of repayment method does Kalamata Capital Merchant Cash Advance accept?

Kalamata Capital Merchant Cash Advance accepts the following repayment method from the Merchant:

Split withholding
ACH withholding

Does Kalamata Capital Merchant Cash Advance charge an origination fee?

Yes, Kalamata Capital Merchant Cash Advance charges a origination fee starting at $525

What is the minimum repayment amount required by Kalamata Capital Merchant Cash Advance?

There is no minimum repayment amount.

What are the business financing requirements for Kalamata Capital Merchant Cash Advance?

To apply for Kalamata Capital Merchant Cash Advance, you need to provide the following business documentation:

Personal guarantee
Business license
Business bank account

What do you need to qualify for Kalamata Capital Merchant Cash Advance?

Applicants with a credit score of at least 580 and up to 850 may be eligible for Kalamata Capital Merchant Cash Advance. The minimum age to be eligible is 18 or the state minimum, whichever is higher.

Kalamata Capital Merchant Cash Advance 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 Kalamata Capital Merchant Cash Advance.

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

Proof of income
Proof of identity

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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

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East Tower, Suite 950

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