At Kapitus, our mission is to empower every business to succeed by providing the best financing options – when they need it and how they need it. Whether we are working with a business directly or through a strategic partner, we will work diligently to provide the most convenient, cost- effective and appropriate financing solution for a business’s needs. We promise to keep the best interests of our clients at the center of the financing process by operating with transparency, fairness, and integrity. We will continue to empower small businesses by making educated financial decisions, as we have since our inception in 2006.
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Is Kapitus legit?
Kapitus (kapitus.com) has a 4.5 out of 5 rating on OK.one, based on 101 user reviews collected here. It is listed under Business Services and its reputation is excellent. 88% of reviews are 4 stars or higher and 9% are 1 star; The business has not yet replied to negative reviews; Reviews mostly discuss Customer service, User experience. Last updated 2026-08-12.
What reviewers say
AI generated
Reviewers overwhelmingly had a great experience with this company. Customers genuinely appreciate the professional staff who handle requests quickly and make the entire business financing process remarkably smooth and stress-free. Many people highlight the prompt communication, dedicated support, and how easy it is to work with representatives for their growth goals.
Some reviewers were not happy with the customer service, noting excessive delays and endless document requests when trying to get assistance during difficult times. Conversely, a small portion of people felt frustrated by a complete lack of communication, ongoing unresponsiveness, and being left completely in the dark regarding their application status.
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I had a great experience working with Braxton Roberts at Kapitus. From our very first conversation, Braxton was professional, knowledgeable, and transparent about the available financing options. He took the time to understand our business needs, answered every question thoroughly, and made sure we understood the terms and process without any pressure.
What stood out most was his responsiveness and commitment to keeping us informed at every step. The application process was straightforward, communication was prompt, and he worked hard to find a solution that aligned with our goals.
Whether you're exploring funding for growth or managing cash flow, I highly recommend reaching out to Braxton. His professionalism, integrity, and customer-first approach made the entire experience smooth and stress-free. Thank you, Braxton, for your outstanding support!
Reply from Kapitus2026-08-05
Raj, thank you for taking the time to provide this feedback on your financing experience with Kaptius. We enjoyed working with you throughout the process and we're excited to see your business grow. We'll pass along your kudos to Braxton, and we look forward to working with you again in the future! In the meantime, if there is anything we can do for you, please don't hesitate to reach out!
Braxton was great to work with. The process was easy and very little paperwork was required appaired to going through a bank. I have used them in the past and ever time has been easy and a simple process.
Reply from Kapitus2026-07-24
Thank you for taking the time to provide feedback on your experience with us, Cavin! Braxton is amazing, and we'll be sure to pass this along to him. Don’t hesitate to reach out if there is anything else we can do for you and your business.
Staff was kind and very helpful when i had a problem they help to get it taken care of !
Great group to work with !
Reply from Kapitus2026-07-22
Paulette, Thank you for taking the time to provide feedback on your financing experience with Kapitus. We're so glad you had a positive experience with us. Please don’t hesitate to reach out if you have any questions on your account or if there is anything else we can do to assist you and your business.
They know exactly what they’re doing, work very quickly, and usually make the whole process smooth and easy. I highly recommend them.
Reply from Kapitus2026-07-22
Thank you for taking the time to provide feedback on your financing experience with Kapitus. We're so glad you had a positive experience with us. Please don’t hesitate to reach out if you have any questions on your account or if there is anything else we can do to assist you and your business.
I have had multiple experiences with your firm. This is my first time working with Braxton, and it was so easy. He was great and explaining new products and working with me to choose what helped me with my goals. A quick and painless experience that I would recommend to anyone.
Reply from Kapitus2026-07-22
Hi Erin! Thank you for taking the time to provide such positive feedback about working with Braxton - we'll be sure to pass along your kudos to him. We're happy we could help you and your business out! If there’s anything else we can do for you, be sure to let us know!
I had the pleasure of working with Nick Regan today to arrange some financing, he was efficient and his communication was EXCELLENT. He was incredibly helpful and I highly recommend Nick and the Kapitus team.
Reply from Kapitus2026-07-22
Thank you for taking the time to provide feedback on your experience, Dani! Nick is amazing, and we'll be sure to pass this along to him. Don’t hesitate to reach out if there is anything else we can do for you and your business.
I do not recommend Kapitus.
They have some of the worst customer service I've ever experienced when a customer actually needs help. They claim to offer payment assistance if your business is going through a slowdown, but that has not been my experience at all.
Instead, they keep you waiting, asking for document after document. Every time you provide exactly what they requested, they come back asking for something else, which only delays the process. It feels like they are intentionally dragging things out instead of trying to help their customers.
On top of that, their fees and financing costs are extremely high. When times are good, they're happy to collect payments, but when your business experiences a temporary sales decline and you genuinely need assistance, they don't seem interested in finding a solution.
There are many lenders out there. Based on my experience, I would strongly recommend looking elsewhere before doing business with Kapitus.
I had a horrible experience in doing a business financing deal with Kapitus. I made the mistake of giving them my actual cell phone which they included in the UCC lien. Now I can't pick up my cell phone as I get spammed via call/text ALL DAY, EVERY DAY.
When I reported the issue, they provided no way to address the issue and didn't seem to care that my cell phone is no longer usable.
Paid off my loan and taking my business elsewhere due to poor customer service and not caring. When I asked them to remove the lien, they demanded I pay them to have it removed.
Don't do business with this company and don't provide your actual cell phone to companies in this space.
I had a very disappointing experience with Kapitus after an initially excellent first loan. Our representative Geddie Rosas, failed to return any of my phone calls or emails regarding our recent application. We were left in the dark about our status and ultimately found out we were declined without any communication from Kapitus. This lack of responsiveness caused significant hardship for my business , as we were counting on that funding. Communication is crucial in this industry, and unfortunately, it was lacking in this case. I cannot recomend this company based on my recent experience.
Nick and the Kapitus team got me funded quickly and had a great streamlined process.
Reply from Kapitus2026-07-22
Matthew, thank you for this great feedback. We'll be sure to forward this along to Nick (he is great!). If there's anything else you need from us, please don't hesitate to reach out.
As good as it gets!
You truly feel like you have a teammate that cares about your business. Very efficient and great communication.
Reply from Kapitus2026-04-03
Kyle, Thank you for taking the time to provide feedback on your financing experience with Kapitus. We're so glad you had a positive experience with us. Please don’t hesitate to reach out if you have any questions on your account or if there is anything else we can do to assist you and your business.
Lawrence, Thank you for taking the time to provide feedback on your financing experience with Kapitus. We're so glad you had a positive experience with us. Please don’t hesitate to reach out if you have any questions on your account or if there is anything else we can do to assist you and your business.
The people are so helpful, professional, and kind. Fast acting service ready to help with anything you may need.
Reply from Kapitus2026-03-30
Samantha, Thank you for taking the time to provide feedback on your financing experience with Kapitus. We're so glad you had a positive experience with us. Please don’t hesitate to reach out if you have any questions on your account or if there is anything else we can do to assist you and your business.
Good clear cut communication. Also very informative.
Reply from Kapitus2026-03-13
Shu Lor, Thank you for taking the time to provide feedback on your financing experience with Kapitus. We're so glad you had a positive experience with us. Please don’t hesitate to reach out if you have any questions on your account or if there is anything else we can do to assist you and your business.
Easy to talk with some one and funds available quick with good terms
Reply from Kapitus2026-02-10
Jerry, Thank you for taking the time to provide feedback on your financing experience with Kapitus. We're so glad you had a positive experience with us. Please don’t hesitate to reach out if you have any questions on your account or if there is anything else we can do to assist you and your business.
Nick Regan was great to work with and worked outside of normal business hours to accommodate our busy schedule. We are a multiple return customer to Kapitus.
Reply from Kapitus2026-02-09
Keith, thank you for this great feedback. We'll be sure to forward this along to Nick Regan. If there's anything else you need from us, please don't hesitate to reach out.
Osama, Thank you for taking the time to provide feedback on your financing experience with Kapitus. We're so glad you had a positive experience with us. Please don’t hesitate to reach out if you have any questions on your account or if there is anything else we can do to assist you and your business.
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