Kapitus is an alternative business lender offering term loans, merchant cash advances, equipment financing, lines of credit, invoice factoring and SBA loan options. Here is how the two compare, and who each one fits best.
See What You Qualify For →| Criteria | Merchant Fund Express | Kapitus |
|---|---|---|
| Products | Merchant cash advance, working capital, revenue-based financing, line of credit, equipment financing, invoice factoring, MCA refinance | term loans, merchant cash advances, equipment financing, lines of credit, invoice factoring, SBA loans |
| Credit score considered | 500+ FICO (approval leans on bank deposits and revenue) | See Kapitus's current published requirements |
| Funding range | $5,000 to $5,000,000 | See Kapitus's current published range |
| Decision speed | Typically 2-4 hours on a complete submission | See Kapitus's current published timing |
| Can help refinance stacked advances | Yes, see MCA refinance | Ask Kapitus directly |
| Phone support | (305) 384-8391, Mon-Fri 9am-6pm ET | See Kapitus's website |
Kapitus's requirements and pricing change over time and by applicant, so confirm them on its own website. MFE figures are the published minimums and typical timing and are not a guarantee of approval.
Businesses that want a wide product menu from one provider and can meet its underwriting requirements.
Qualification standards and pricing differ by product. Compare the total repayment amount, payment frequency and fees side by side.
Merchant Fund Express is built for small and midsize businesses that want to compare several funding products in one place and apply once. It considers owners with credit scores from 500, evaluates bank deposits and revenue first, and covers merchant cash advances, working capital, revenue-based financing, lines of credit, equipment financing and invoice factoring. It also helps businesses with several existing advances look at refinancing or consolidation.
There is no single best provider for every business. If Kapitus's product matches what you need and you meet its requirements, get its quote. If you want a wider menu, have a credit score below typical bank cutoffs, or need speed, request an MFE review and compare the total repayment on each offer.
More guides: MCA vs working capital loan · working capital vs line of credit · funding requirements
Or call (305) 384-8391 · Mon-Fri 9am-6pm ET · 500+ FICO considered