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Related Headlines
| 07/22/2025 | Kapitus gets new $250M + $95M upsize |
| 10/25/2024 | Kapitus acquires Ten Oaks Com Cap |
| 10/21/2023 | Kapitus CFO on how he starts his day |
| 04/03/2023 | Kapitus increases debt facilities to $540M |
| 08/24/2022 | Kapitus increases funding capacity by $95M |
Stories
Kapitus Closes $45 Million Investment-Grade Corporate Note Financing
June 18, 2024NEW YORK, NY JUNE, 18, 2024 — Kapitus, a leading provider of financing for small and medium sized businesses, today announced the closing of a $45 Million investment-grade corporate note financing. The closing of this most recent financing increases the Company’s total debt facilities to $585 Million. Proceeds from the transaction will be used to further expand the Company’s portfolio of financing products and making further technology investments in its funding platform, making it easier for more small businesses to acquire critical growth capital more quickly.
“With this most recent round of financing, Kapitus reaffirms its commitment to stand ready to support small businesses with fast and efficient funding alternatives. Recent research continues to show that businesses are finding it more and more difficult to access capital as both bank and non-bank lenders pull back,” said Andrew Reiser, Chief Executive Officer of Kapitus. “By expanding the products we are able to provide and enhancing the speed in which small businesses can receive financing, we will be able to address the unmet needs of thousands of small businesses across the U.S.”
To date, over $6 Billion in growth capital has been provided to almost 55,000 small businesses through Kapitus.
“This capital raise also shows a vote of confidence from our investors in our business model, diversifies our capital structure, and gives us flexibility as to how and when we deploy capital to support small businesses,” adds Anthony Rose, Chief Financial Officer of Kapitus. “Despite a tight credit environment, we continue to see opportunity to provide capital to small businesses and this raise further enables us to execute our strategic plan more effectively while maintaining our focus on delivering enhanced value to small businesses”
Brean Capital, LLC served as the company’s exclusive financial advisor and sole placement agent in connection with the transaction.
About Kapitus
Founded in 2006, Kapitus is one of the most experienced and trusted names in small business financing. As both a direct lender and a marketplace with an expansive network of financing partners offering a variety of products, Kapitus has provided over $6 billion in growth capital to almost 55,000 small businesses. Kapitus, either directly or through trusted partners, offers products tailored to the need of every small business including term loans, sales-based financing, SBA loans, equipment leases, and revolving lines of credit. For additional information about the company, visit: https://kapitus.com
Media Contact:
Jackie Quintana
Pitch PR
Jackie@PitchPublicRelations.com
480.606.8180
Kapitus CEO Speaks on Success of Rating Reaffirmation
October 6, 2020
When lending companies faced the tightest squeeze on capital since the great recession, many ran into trouble. Kapitus, having survived 08′, met 20′ with the same discipline that helped them navigate the pandemic.
“Our whole industry was put on a credit watch downgrade, and it’s very exciting that we were upgraded, reaffirmed to the original rating,” Kapitus CEO and founder Andy Reiser said. “Most of the companies, our peers defaulted and went into what’s called rapid amortization and did not make it through to keep their securitization.”
Reiser was happy to report that Kapitus received a rating affirmation from Kroll Bond Rating Agency (KBRA) on Friday. KBRA has removed the Kapitus securities from a Watch Downgrade.
Back in March, the businesses that Kapitus and their competitors funded across the country, faced state mandated shutdowns. Many customers were suddenly unable to make the loan, MCA, or equipment payments that they had been able to make for years.
For lenders that bundled and securitized the loans they made, the value of those loans was called into question.
On March 30, KBRA placed the ratings of 29 securitizations representing $2.1 billion from 10 SMB lending firms on a “Watch Downgrade” due to the economic downturn.
To overcome the warning, Kapitus reigned in and focused on helping their customers. Reiser cited the addition of Jeff Newman from Citigroup to manage the risk team as an example of how the firm has been focused on funding responsibly for years.
“We focused on strong business practices and keeping the portfolio strong, and it paid off,” Reiser said. “We never stopped, we were not lending at the same velocity that we did pre COVID, but we never had a day that we didn’t fund a new deal.”
Reiser said that during the pandemic’s height, the team took a lot of long nights working on new products. One was a “step renewal” that allowed clients to pay installments and build up to the full payment, to make sure they were not overwhelmed. Kapitus also offered extended periods for their healthcare loans, up to 36 months, Reiser said.
For companies like Kapitus, a questionable rating could lead to a rapid amortization event: a sudden call to liquefy the bonds and give back investor money. For some, an event like this will spell the end: most firms don’t keep hundreds of millions or even billions on hand to give back principals in a moment’s notice.
Reiser said out of the ten securities on credit watch, only one other was reaffirmed, due to a renegotiation of terms that bond investors had to agree on. Kapitus made no negation but was reaffirmed due to the success of their business practice, Reiser said.
The securitization was initially issued for $105 million in June 2018, and expanded to $160 million last December, in three classes with a senior class rating of “A.”
Reiser believes that the pandemic, like the ’08 recessions, will see some consolidation and strong companies prospering in a displaced environment.
“I think COVID will teach a lot of other players that were very aggressive in coming down to this market that it’s not so easy,” Reiser said. “I think some of the banks and the alternative lenders that were more eager to come into this market may not be so aggressive at least for a while.”
Kapitus Rolls Out Fully Automated Funding Process
April 2, 2019
New York, NY – Kapitus, a leading provider of alternative financing to small and midsize businesses, announces the roll-out of auto-checkout – a fully automated funding process for qualified deals. The new process allows for not only a faster, more streamlined experience for its partners; but it also provides more flexible financing options, by providing multiple offers at once. At the same time, the new process provides merchants with secure and quick access to funds for their business.
Unlike competing models where only an “option of approval” or “conditional approval” is provided at the time of checkout, Kapitus is able to determine approval eligibility with only an application and bank statements without the need for multiple upfront stipulations to confirm bank information, ownership and identity. Utilizing proprietary machine learning models – eligible deals can be closed without any additional documentation.
“This is a true turning-point for us from a technology perspective and we’re very excited about it,” said Andrew Reiser, Chief Executive Officer at Kapitus. “With this new automated process, we’re able to provide our partners an extremely simple process with an exceptionally quick time-to-funding. At the same time, merchants are provided with a more seamless experience with enhanced security”
Major features in the roll-out include:
- True auto-check functionality with full approval at time of checkout
- Progress tracking and customizable notifications to follow merchants through the checkout process
- Intuitive user interface with precise, easy-to-understand instructions for both merchants and partners
- Simple, seamless secure checkout functionality for merchants
“This is the first of many technology advancements we will be rolling out over the next year,” adds Arun Narayan, Chief Product Officer. “We are committed to creating exceptional experiences for both our partners and merchants. Incorporating the right technology is paramount in building out the right environment and the best experience for all of our audiences.”
ABOUT Kapitus
Founded in 2006 and headquartered in NYC, Kapitus is one of the most reliable and respected names in small business financing. As both a direct lender and a marketplace built with a trusted network of lending partners, Kapitus is able to provide small businesses the financing they need, when and how it is needed. With one application business owners can save time and money, while eliminating the stress that comes with applying to different lenders. At Kapitus, we believe that business owners should be able to focus on running their business, while we take care of the financing. Learn more at https://kapitus.com
CONTACT: Bernadette Abel
Kapitus
babel@kapitus.com
646-722-1484
Why Strategic Funding Rebranded as Kapitus
January 15, 2019Today, Strategic Funding announced the launch of a new brand identity, including a name change. Strategic Funding will now be called Kapitus.
“We had a name that was very well respected,” said Kapitus founder and CEO Andy Reiser. “Everybody loved our name, quite frankly. They loved it so much, they all copied it. You can’t trademark ‘Strategic Funding.’ It’s too generic.”
Kapitus, spelled this way, is not a word in any language, which makes it easier to trademark.
“We wanted to separate ourselves in a way that is clearly identifiable,” Reiser said. “It’s an easy one-word name [that] symbolizes stability and strength. It’s ‘capital from us,’ if you want to break it down.”
Reiser said that the company has been relatively quiet over the last three years, but they have been advancing all along, and they are particularly proud of their brand new ISO portal. According to Reiser, the new portal helps ISOs better understand their book at Kapitus and allows brokers to generate a contract quickly without having to call them. The company has an in-house marketing team, but well over 50% of its business comes from the ISO channel.
Kapitus provides a variety of financial products, including equipment financing (they have an in house equipment leasing division) and factoring (they have a small internal factoring group). They also offer business loans, lines of credit and MCA deals. But the company’s largest portion of its business – more than 15% – comes from its Helix Healthcare Financing product, which finances healthcare practitioners like doctors, dentists and veterinarians.
Unlike other funders of healthcare practitioners that may offer financing terms up to 18 months, Kapitus offers terms of up to 10 years as long as the merchant satisfies its requirements. The company also funds a considerable number of healthcare-related businesses, like medical equipment providers. Otherwise, Reiser said that Kapitus has a diversified mix of merchants, from restaurants to manufacturers.
Reiser said that about 15% of Kapitus’s business consists of deals above $150,000 for which they have a seperate team. They do deals as high as $750,000.
When operating under the Strategic Funding name, there was a payment servicing division of the company, called Colonial Servicing. That entity will remain, but will be woven into the new Kapitus name.
Founded in 2006, Kapitus employs 240 people divided among three offices. The headquarters is in New York and there is an office with about 30 people in Arlington, VA, and a Dallas-area office with about 35 people working in collections and customer service.
Strategic Funding Source Announces Launch of New Brand Identity; Unites its Funding Arm and Servicing Arm Under the name Kapitus
January 15, 2019New York, NY – January 15, 2019 – Strategic Funding Source, a veteran of the small and medium-sized business alternative lending space, today announced the launch of a new corporate brand identity, including a new name. As part of this rebrand, the funding division and servicing division will be united under the name Kapitus. The unification of these two divisions will allow for an improved experience for both clients and partners.
Since its inception in 2006, Strategic Funding Source has provided over $2 billion to almost 40,000 businesses in hundreds of industries across the U.S. Over the past two years, the organization has been proactively building out its executive team, bringing in a wealth of experience to transform its risk model, underwriting processes, lending capacity and product line, technology capabilities and customer experience.
With these and other planned advancements, the company required a new brand that better reflected the company’s commitment to be a reliable source of capital to all small and mid-sized business owners.
“The small business lending landscape is consolidating around a few strong and reputable companies. Over the last several years, Kapitus has experienced tremendous growth both in its product offerings to small and medium-sized businesses and in the total number of businesses it serves” said Andy Reiser, CEO of Kapitus. “We chose a name and identity that represents our strength and stability as well as our promise to be a responsible and fair source of capital to small and medium-sized businesses nationwide.”
Along with the name change there will be a new logo, tagline (“Let’s Grow Together”) and domain name (kapitus.com). The rebrand is the first step in the company’s strategy to grow its own financing product line, add to its marketplace of 3rd party lenders and create a foundation for new partnership opportunities. The new brand also represents the company’s commitment to keep the human touch throughout the financing process, while improving customer experience through technology to aid the decisioning process and improve speed to funding.
“This is an exciting change for us,” added Reiser. “This new branding builds upon our history and pays allegiance to our standing as a leader in a fast-evolving industry, opening the door for future opportunities for us, our clients and our partners.”
About Kapitus
Founded in 2006 and headquartered in NYC, Kapitus is one of the most reliable and respected names in small business financing. As both a direct lender and a marketplace built with a trusted network of lending partners, Kapitus is able to provide small businesses the financing they need, when and how it is needed. With one application business owners can save time and money, while eliminating the stress that comes with applying to different lenders. At Kapitus, we believe that business owners should be able to focus on running their business, while we take care of the financing. To learn more, visit www.kapitus.com.
B2B Finance Expo 2025 Recap
November 12, 2025B2B Finance Expo 2025 was a tremendous success! This conference featured a larger number of attendees, exhibitors, and speakers from across the spectrum of commercial finance and small business lending than the previous inaugural year.
B2B FINANCE EXPO 2025 PHOTOS HERE
VIDEO INTERVIEWS FROM THE RED CARPET HERE
If you want a copy of your interview video file, email events@debanked.com.
To learn more about the Small Business Finance Association, contact Stephen Denis or visit: https://sbfassociation.org
A special shout out to the Diamond and Platinum Sponsors: Rapid Finance, Kapitus, Bitty, and Ocrolus.
Also a shout out to Nexi (WiFi Sponsor), AMA Recovery Group (Breakfast Sponsor), Shoreham Bank (Lanyard Sponsor), and Vox Funding (Key Card Sponsor).
Ocrolus launches Encore: A first-of-its-kind, trusted cash flow data sharing platform for small business funding
October 28, 2025NEW YORK, October 28, 2025 — Ocrolus, the leading AI-powered automation and analytics platform for financial decision-making, today announced the launch of Encore, a groundbreaking, double opt-in borrower intelligence sharing platform built specifically for small business funding.
Since 2016, Ocrolus has built the cash flow analytics infrastructure that powers credit scoring models for more than 175 funders, including leading originators such as Enova, Square, PayPal, Rapid Finance, Kapitus, Fora Financial, Bluevine, Libertas and Expansion Capital Group. Trained on over 15 million applications, Ocrolus cash flow analytics have become the de facto language that major SMB funders and capital providers use to interpret bank data.
By uniting the industry around a shared set of standardized cash flow metrics, Encore allows trusted counterparties to instantly share deals, resulting in faster funding decisions, stronger partnerships and broader access to capital for small businesses.
“Lenders have long relied independently on Lendio for SMB flow and Ocrolus for data standardization and cash flow analytics,” said Trent Miskin, Co-founder and CPO at Lendio. “Encore allows our firms to drive a more streamlined experience that eliminates data-processing duplication, shortening speed to offer and improving the embedded experience that SMBs are demanding.”
Traditionally, brokers pre-qualify borrowers with a quick glance at bank statements to estimate revenue and identify competitors, then email the application to a funder who may not trust the reported metrics and re-analyze the original documents from scratch. In some cases, brokers even collect Plaid or Finicity credentials from borrowers and access digital bank data but are counterintuitively instructed to convert the digital data to PDF and send it by email, wasting time and introducing unnecessary data issues. Outdated workflows such as these represent major inefficiencies and security risks in how cash flow data is shared. Encore eliminates these friction points with a seamless, trusted data-sharing experience.
“At Ocrolus, when we ask customers about their priorities, growing origination volume is consistently at the top of the list,” said David Snitkof, General Manager of SMB at Ocrolus. “With Encore, we’re helping brokers and funders say yes more often by enabling them to convert more of their leads, fund larger deals, serve a broader range of industries and access capital faster and more flexibly.”
Encore is now live with an initial group of early adopter partners actively using the platform through the end of the year. Ocrolus will expand availability to a broader group in January 2026.
About Ocrolus
Ocrolus is a leading AI-powered automation and analytics platform for financial decision-making. The company enables lenders to make faster, more accurate credit decisions by automating underwriting workflows, with deep expertise in small business and mortgage lending. Ocrolus ingests and classifies documents, extracts key data, detects fraud, and delivers comprehensive cash flow and income analytics, empowering financial institutions to streamline the borrower experience, scale operations efficiently, and manage risk with precision and confidence. To learn more, visit Ocrolus.com.
Business Finance Companies on Inc 5000 List in 2025
August 12, 2025Here’s where small business finance companies rank on the Inc 5000 list for 2025 (and if we’ve missed you, email info@debanked.com):
| Ranking | Company | 3-Year % Growth |
| 15 | Parafin | 9594 |
| 206 | businessloans.com | 1862 |
| 669 | Pinnacle Funding | 626 |
| 831 | SBG Funding | 508 |
| 1215 | Essential Funding Group | 359 |
| 1240 | Clara Capital | 352 |
| 1417 | Backd | 306 |
| 1705 | Kapitus | 256 |
| 1719 | Channel | 255 |
| 1756 | Fundible | 248 |
| 2027 | 4 Pillar Funding | 214 |
| 2117 | Biz2Credit | 203 |
| 2293 | Byzfunder | 187 |
| 2671 | Critical Financing | 156 |
| 3081 | Lendzi | 131 |
| 3226 | eCapital | 124 |
| 3508 | ApplePie Capital | 111 |
| 3545 | SellersFi | 109 |
| 3901 | Splash Advance | 95 |
| 3973 | Fora Financial | 92 |
| 3993 | Capital Infusion | 91 |
| 4076 | Expansion Capital Group | 88 |
| 4162 | Shore Funding Solutions | 85 |
| 4206 | Direct Funding Now | 83 |
| 4712 | ROK Financial | 63 |
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