Full-Time

Software Engineer 2

Services

Updated on 9/4/2026

Kapitus

Kapitus

501-1,000 employees

Direct lender and lending marketplace

Compensation Overview

$96.3k - $154.4k/yr

Remote in USA

Remote

Remote candidates must reside in a state where Kapitus or a subsidiary has an established physical presence.

Bachelor's

Category
Software Engineering (1)
Required Skills
DynamoDB
Agile
Python
Node.js
CloudFormation
Microservices
AWS
SCRUM
REST APIs

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Requirements
  • A Bachelor of Science degree in Computer Science or a related technical field, or equivalent practical experience.
  • Four to eight years of hands-on development experience using modern programming languages, including NodeJS and Python.
  • Experience designing and implementing REST and event-based services using the AWS tool suite, including Lambda functions, EventBridge, DynamoDB, API Gateway, and IAM.
  • Experience implementing and supporting SaaS or cloud software solutions, including developing and supporting functionality that integrates with internal systems.
  • Experience working with AWS services including Lambda, SQS, SNS, EventBridge, DynamoDB, API Gateway, EC2, IAM, and STS.
  • Experience working with non-relational and multiple relational database platforms, including RDS.
  • Experience developing and deploying APIs.
  • Experience building infrastructure with CloudFormation Templates.
  • Experience working in an Agile development environment.
  • Outstanding communication and interpersonal skills.
  • Ability to translate complex business problems into architecturally sound technical solutions.
Responsibilities
  • Participate in technical design sessions to identify and document technical solutions.
  • Develop microservices with AWS serverless architecture.
  • Act as a trusted advisor with a consultative mindset when interacting with stakeholders.
  • Help build and maintain team culture through partnership, open dialogue, and transparent feedback.
  • Drive continual improvements to system efficiency and flexibility while maintaining high standards for customer trust, performance, and availability.
  • Provide technical direction to junior engineers on the team.
  • Support legacy code while building future-state systems and solutions.
Desired Qualifications
  • Experience in lending or financial services domains.
  • AWS Solutions Architect or Developer certification.
  • Experience with Scrum, SAFe, and test-driven development.
  • Experience communicating with users, technical teams, and senior management to understand requirements and discuss software product features, technical designs, and product strategy.

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.

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 Jobs

Simplify's Take

What believers are saying

  • July 2025 securitization raised $250 million, expandable to $500 million.
  • Kapitus upsized its corporate note to $95 million, signaling lender confidence.
  • InterVest acquisition strengthens capital access for SMB demand and future product expansion.

What critics are saying

  • Kapitus Servicing sued Marque Dental Laboratory in April 2026, showing collections friction.
  • Dependence on securitizations and corporate notes ties growth to capital markets reopening.
  • Direct competition from banks and fintech lenders compresses pricing, especially in SBA and equipment loans.

What makes Kapitus unique

  • InterVest bought Kapitus in July 2026, adding specialty-finance backing and distribution.
  • Kapitus combines direct lending with marketplace offers, giving borrowers up to six options.
  • Mambu powers its lending stack, accelerating product launches and servicing scale.

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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