Kapitus Review 2026: Industry Veteran with $5B+ Funding Since 2006

Kapitus Company Overview: 18 Years of Business Equipment Financing

Kapitus has been providing equipment financing and small business loans since 2006. Based in New York City, they've survived multiple economic downturns including the 2008 financial crisis. This resilience speaks to their disciplined risk management and sustainable business practices.

With over $5 billion funded across hundreds of thousands of businesses, Kapitus has built deep expertise in equipment loans and commercial equipment financing. Their extensive data on default patterns, industry risks, and equipment valuations informs smarter underwriting decisions.

Kapitus operates as a direct lender with access to multiple capital sources. This allows them to offer various financing products beyond just equipment loans. Businesses can consolidate their financing needs with a single lender who understands their complete financial picture.

Nationwide Business Financing Coverage

Kapitus serves businesses in all 50 states across virtually every industry. Their capabilities span from aerospace and automotive to veterinary services and waste management. Few equipment financing companies can match this breadth.

Industries Served: Comprehensive Equipment Financing Options

One of Kapitus's biggest strengths is their exceptional industry versatility. While specialized lenders might decline businesses outside their focus areas, Kapitus finances equipment across numerous sectors.

Construction Equipment Financing

• Heavy equipment (excavators, bulldozers, loaders)
• Specialty construction machinery
• Commercial vehicles and trucks
• Tools and jobsite equipment

Medical Equipment Financing

• Diagnostic and imaging equipment
• Surgical tools and operating room technology
• Practice management systems
• Patient care equipment

Dental Equipment Financing

• Dental chairs and operatory equipment
• X-ray and imaging systems
• Sterilization equipment
• Practice technology solutions

Restaurant Equipment Financing

• Commercial kitchen equipment
• Ovens, refrigeration, and food prep
• POS systems and technology
• Dining room furnishings

Additional Industries

• Manufacturing: CNC machines, production lines, processing equipment
• Transportation: Commercial trucks, trailers, fleet vehicles
• Gym Equipment Financing: Exercise machines, facility systems, locker room equipment
• Automotive Services: Lifts, diagnostic tools, tire changers
• Renewable Energy: Solar installation equipment, energy storage systems

This extraordinary breadth means virtually any legitimate business can find equipment financing consideration from Kapitus.

Kapitus Financing Products Beyond Equipment Loans

While this review focuses on their equipment financing programs, understanding Kapitus's full product suite provides helpful context.

Equipment Loans and Leases

Traditional business equipment financing for machinery, vehicles, and technology. Terms typically range from 12-84 months depending on equipment useful life. Rates vary by credit profile and equipment type.

Working Capital Loans

Short-term small business loans (3-18 months) for operational expenses, inventory, or seasonal cash flow gaps. These complement equipment financing for businesses with multiple capital needs.

Business Lines of Credit

Revolving credit facilities providing ongoing capital access. You only pay interest on what you draw. Credit refreshes as you repay balances.

Invoice Factoring

Convert outstanding invoices into immediate cash. Useful for businesses with slow-paying customers who need capital before invoice due dates.

Merchant Cash Advances

Advances based on future credit card sales. Provides fast funding but typically carries the highest costs among Kapitus products.

Why Product Diversity Matters

A construction company might combine heavy equipment financing for an excavator with a working capital loan for project materials. They could also use invoice factoring to bridge payment gaps. Having one lender understand your complete picture offers real advantages.

Credit Requirements for Kapitus Equipment Financing

Like many alternative lenders, Kapitus doesn't publish specific credit requirements. Based on their market positioning and customer experiences, here's what we estimate:

Credit Score Requirements

• Minimum Score: Likely 600-620+ for equipment loans
• Best Rates: 680+ credit scores receive more favorable terms
• Comparison: More flexible than banks, slightly stricter than some alternatives

Business Requirements

• Time in Business: Minimum 1-2 years for most programs
• Annual Revenue: Generally 2-3x the requested loan amount
• Profitability: Preferred but not always required

Industry Restrictions

Given their wide coverage, restrictions are minimal. They may avoid highest-risk categories like adult entertainment or gambling.

The lack of transparency around requirements is a limitation. Businesses can't easily assess eligibility before applying.

Kapitus Interest Rates and Fees

Kapitus doesn't publish rate sheets, making accurate comparison difficult. They customize pricing based on multiple factors including credit profile, equipment type, and loan amount.

Estimated Rate Ranges

• Excellent Credit (700+): Approximately 10-18% APR
• Good Credit (650-699): Approximately 16-24% APR
• Fair Credit (600-649): Approximately 22-32% APR

These are estimates based on industry positioning. Your actual rates may vary significantly.

Expected Fees

• Origination Fees: Likely 2-5% of loan amount
• Documentation Fees: Approximately $500-$1,500
• UCC Filing Fees: $50-$200 (actual state costs)
• Prepayment: Terms vary by agreement

The absence of published fee schedules means potential surprise costs during the application process.

Application Process and Funding Timeline

Kapitus offers a straightforward application process with relatively fast funding for an equipment financing company.

Step 1: Online Application

Submit business information, financing needs, and owner details online. This triggers a preliminary assessment and contact from a representative.

Step 2: Documentation

Standard requirements typically include:

• Business and personal tax returns (1-2 years)
• Bank statements (3-6 months)
• Financial statements (P&L, balance sheet)
• Equipment quotes or invoices
• Business formation documents

Step 3: Approval

Simple applications may receive decisions within 24-48 hours. Complex situations or larger commercial equipment loans may take 3-5 days.

Step 4: Funding

After approval and document execution, funding typically occurs within 2-5 business days via wire transfer.

Total Timeline: 5-10 days for typical equipment financing transactions. Complex situations may take 2-3 weeks.

Kapitus Pros: Key Advantages

Exceptional Industry Coverage

Kapitus finances virtually any business sector. Whether you need construction equipment financing, dental equipment financing, or gym equipment financing, they can likely help. This eliminates frustrating automatic declines from specialized lenders.

Proven 18-Year Track Record

With $5+ billion funded since 2006, Kapitus has demonstrated stability through multiple economic cycles. This longevity provides confidence unavailable with newer lenders.

Multiple Products Under One Roof

Need an equipment loan plus working capital? Kapitus can bundle solutions. This simplifies your financing relationships and streamlines management.

A- BBB Rating

The Better Business Bureau's highest rating validates their ethical practices and customer satisfaction. Important assurance when choosing an alternative lender.

Nationwide Service

Operating in all 50 states means no geographic restrictions. Your business location won't limit your financing options.

Kapitus Cons: Notable Limitations

Limited Pricing Transparency

No published rates or clear qualification criteria. You must apply to discover actual terms, making comparison shopping difficult.

Generalist Premium

Their broad approach likely means higher rates than specialized equipment financing companies. If you need medical equipment financing or heavy equipment financing specifically, dedicated lenders may offer better terms.

Generic Equipment Features

Unlike specialized lenders offering seasonal payments or credit-building programs, Kapitus's equipment loans may lack industry-specific features.

Product Selection Complexity

With multiple products available, choosing the optimal solution requires careful guidance. You might end up with a working capital loan when an equipment loan would serve you better.

Customer Experience: What Borrowers Report

Positive Feedback

Customers appreciate approvals when other lenders declined. The willingness to work with unusual industries and business situations receives praise. Many value having one lender for multiple financing needs.

Critical Feedback

Some report final rates being higher than expected due to lack of upfront disclosure. Others mention longer timelines than marketed. Occasional complaints cite aggressive sales tactics.

The A+ BBB rating indicates generally positive experiences overall. However, the rating has fluctuated historically, suggesting occasional service quality variations.

When to Choose Kapitus for Your Business Equipment Loan

Kapitus Is Ideal For:

• Unusual Industries: Emerging technology, niche services, or unconventional equipment types that specialized lenders don't cover
• Multiple Financing Needs: Companies wanting equipment loans, working capital, and credit lines from one lender
• Existing Kapitus Customers: Those already using Kapitus for other products who value relationship continuity
• Time-Sensitive Purchases: When Kapitus's 5-10 day timeline fits your needs

Consider Alternatives If:

• You Need Specialized Financing: Medical equipment financing, construction equipment financing, or dental equipment financing may get better rates from dedicated lenders
• You Have Excellent Credit: Scores above 720 may qualify for significantly better bank rates
• Transparency Matters: If you want upfront rate information before applying
• Smaller Equipment Needs: Lenders with lower minimums may serve modest purchases better

Final Verdict: Reliable Veteran for Diverse Financing Needs

Kapitus earns a 4.1/5 rating reflecting genuine strengths balanced against notable limitations.

The Bottom Line

Kapitus offers reliable business equipment financing backed by 18 years of experience and $5B+ in funding. Their exceptional industry coverage and multi-product suite serve businesses that don't fit neatly into specialized categories.

However, businesses in common industries should compare with specialized lenders. Those seeking construction equipment financing, medical equipment financing, or similar specific needs may find better rates and expertise elsewhere.

Who Should Apply

Kapitus works best as a solid backup option or primary choice for businesses with unusual needs. They're the experienced generalist you turn to when specialists can't help or when you value consolidating multiple small business loans with one lender.

They'll handle your equipment financing professionally, drawing on decades of experience. Just don't expect the most competitive rates or cutting-edge features that specialized commercial equipment financing companies might offer.

Ready to explore your options? Use our equipment financing calculator to estimate monthly payments, or compare Kapitus with other top lenders. Learn about Section 179 tax deductions that could reduce the cost of your equipment purchase.