Kapitus: what it publishes and how to evaluate an offer

What the provider publishes

Kapitus publishes multiple financing structures, with some offers made by Kapitus and others through its financing network.

Because offers can come from Kapitus or from network providers, the entity, structure, and terms differ by offer.

Source: Kapitus, products and services page and Kapitus, “The Kapitus Difference” page, observed September 27, 2026. Provider pages change; re-check before relying on them.

Structures involved

• Multiple structures (per its products page), direct and via a financing network

Each structure is priced and repaid differently. See how the structures compare.

Questions to ask before you apply

• Ask whether a given offer is Kapitus-funded or a network offer, and who the contracting party is.
• Compare each structure on its own terms: a term loan and a receivables purchase are not comparable by headline rate.
• Who is the contracting party on the agreement, and is it a loan or a purchase of receivables?
• At what stages is credit checked, and is it a soft or hard inquiry?
• What is the total dollar cost, the payment amount and frequency, and the term?
• What happens if you repay early, and what happens in a slow month (reconciliation or interest-only options)?
• Are there origination, draw, maintenance, or closing fees, in dollars?

How to compare a written offer

Put the amount, factor rate or APR, fees, and term into the factor rate calculator to get total cost, payment size, and an estimated APR on stated assumptions. Then compare against any other written offer on the same basis. A provider’s marketing page cannot be compared; only its written offer can.