Kapitus

Kapitus

Direct lender and lending marketplace

Overview

Kapitus provides small business financing through a hybrid model that combines direct lending with a marketplace of lending partners. It offers a range of products, including term loans, SBA loans, revenue-based financing, equipment financing, and revolving lines of credit, plus specialized options like Helix Healthcare Financing. Its KapitusPLUS platform lets a business submit a single application to receive and compare multiple offers from Kapitus and its network, enabling rapid decisions (approvals in about four hours) and funding within 24 hours. This approach differentiates Kapitus from competitors by offering a unified, fast-access funding ecosystem with a diverse product set and a broad network of lenders. The company aims to give established small to mid-sized businesses quick, flexible access to capital across the United States to support growth and working capital needs.

About Kapitus

Simplify's Rating
Why Kapitus is rated
B-
Rated B on Competitive Edge
Rated B on Growth Potential
Rated C on Differentiation

Industries

Enterprise Software

Fintech

Financial Services

Company Size

501-1,000

Company Stage

Debt Financing

Total Funding

$805M

Headquarters

New York City, New York

Founded

2006

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Simplify's Take

What believers are saying

  • July 22, 2025 ABS raised $250 million, expandable to $500 million.
  • Kapitus upsized its corporate note to $95 million in July 2025.
  • Kapitus acquired Ten Oaks in 2025, expanding equipment financing.

What critics are saying

  • Kapitus Servicing filed at least eight June 2026 default suits across states.
  • Borrower litigation and confession-of-judgment tactics damage broker trust and referrals.
  • If InterVest tightens warehouse terms, Kapitus's origination engine stalls fast.

What makes Kapitus unique

  • Kapitus combines direct lending and marketplace offers, widening approvals for SMBs.
  • InterVest's July 27, 2026 acquisition adds specialty-finance capital and distribution.
  • Kapitus still targets speed, funding qualified borrowers within 24 hours.

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Funding

Total Funding

$805M

Above

Industry Average

Funded Over

6 Rounds

Debt funding comparison data is currently unavailable. We're working to provide this information soon!
Debt Funding Comparison
Coming Soon

Benefits

Health Insurance

Dental Insurance

Vision Insurance

Disability Insurance

Health Savings Account/Flexible Spending Account

Unlimited Paid Time Off

Flexible Work Hours

Remote Work Options

Paid Vacation

Paid Sick Leave

Paid Holidays

Sabbatical Leave

Hybrid Work Options

Stock Options

Company Equity

401(k) Retirement Plan

401(k) Company Match

Performance Bonus

Profit Sharing

Employee Stock Purchase Plan

Relocation Assistance

Employee Referral Bonus

Student Loan Assistance

Parental Leave

Family Planning Benefits

Fertility Treatment Support

Adoption Assistance

Childcare Support

Elder Care Support

Pet Insurance

Bereavement Leave

Professional Development Budget

Conference Attendance Budget

Training Programs

Tuition Reimbursement

Professional Certification Support

Mentorship Program

Wellness Program

Mental Health Support

Gym Membership

Commuter Benefits

Meal Benefits

Phone/Internet Stipend

Home Office Stipend

Legal Services

Employee Discounts

Company Social Events

Growth & Insights and Company News

Headcount

6 month growth

0%

1 year growth

-1%

2 year growth

-1%
PR Newswire
Jul 27th, 2026
InterVest acquires Kapitus, expanding $10B small business lender's capital base

InterVest Capital Partners has acquired Kapitus, a small business lender that has provided $10 billion in growth capital to over 65,000 businesses since 2006. The acquisition strengthens Kapitus's capital base and expands its access to financing for small businesses nationwide. Kapitus will continue operating independently, offering term loans, revenue-based financing, equipment financing, SBA loans, and revolving lines of credit. The partnership provides Kapitus with additional growth capital and access to InterVest's commercial finance expertise and network of portfolio companies serving small and mid-sized businesses. InterVest Capital Partners is a New York-based alternative investment manager focused on niche credit strategies and specialty finance. Since 1999, the firm has established over 160 funds with committed capital exceeding $25 billion. Guggenheim Securities and Simpson Thacher & Bartlett advised the seller, whilst Stephens, Truist Securities, and O'Melveny & Myers advised the purchaser.

PR Newswire
Jul 22nd, 2025
Kapitus Closes $250 Million Securitization and Upsizes Corporate Note to $95 Million

Leading provider of financing to small and medium-sized businesses demonstrates continued growth and industry confidence amid economic uncertainty.NEW YORK, July 22, 2025 /PRNewswire/ -- Kapitus, a leading provider of financing for small and medium-sized businesses, has announced the closing of a $250 million asset-backed securitization (ABS). The facility, which has a 3-year revolving period and is expandable to $500 million, was rated by Kroll Bond Rating Agency, LLC (KBRA), with Truist Securities, Inc., as the sole structuring agent and bookrunner. The company also upsized its corporate note to $95 million. Brean Capital, LLC served as the company's exclusive financial advisor and sole placement agent in connection with this transaction.These latest financing transactions mark another milestone in a period of significant growth for the small business financing provider. Other recent transactions include:Closing a $165 million ABS transaction in January 2025 , which was an additional issuance to an existing $160 million ABS transaction in October 2024. Both transactions were rated by KBRA, with Truist Securities, Inc., as the sole structuring agent and bookrunner.ABS transaction in , which was an additional issuance to an existing ABS transaction in

PR Newswire
Oct 25th, 2024
Kapitus Acquires Ten Oaks Commercial Capital and Launches Equipment Financing Arm

/PRNewswire-PRWeb/ -- Kapitus, a leading provider of financing for small and medium sized businesses, today announced the acquisition of Ten Oaks Commercial...

PYMNTS
Aug 21st, 2024
Lama Ai And Bridge Partner To Connect Businesses And Lenders

Lama AI and Bridge have partnered to expand the availability of commercial loans. With this collaboration, the financial institutions using Lama AI’s artificial intelligence (AI)-powered origination technology will be able to access Bridge’s marketplace that connects business owners and lenders, the companies said in a Wednesday (Aug. 21) press release. This offering will enable banks to grow their portfolio through diversified deal flow sources and increase efficiencies around prequalification and end-to-end origination, according to the release

deBanked
Jun 19th, 2024
Kapitus Closes $45 Million Investment-Grade Corporate Note Financing

Proceeds to be used to expand Kapitus’ financing options for small businesses as demand for alternative funding products increases

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