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Intermediate-Term Loan by Kapitus

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Kapitus offers intermediate-term loans up to $5,000,000 in as little as 24 hours. The process is quick and easy with limited documentation and offers the best prepayment discounts in the industry. This funding is ideal for payroll, expansion, equipment, or any other use you may need for financing your business over a term of 2-6 years.

Nav's Verdict

Cost

LowHigh

Effort to Apply

EasyDifficult

Funding Speed

MonthsMinutes

Repayment Terms

MonthsYears

8/10

Bottom Line

Despite the origination fee, a lower interest rate can make this loan certainly worth it if you qualify. Lines of credit are a revolving type of financing, meaning that businesses can pay off balances as they go and then use the credit again as needed.

Pros

Favorable rates. Prepayment discounts.

Cons

High origination fees. May require weekly payments.

Qualification requirements

Time in Business

At least 24 months in business

Annual Revenue

At least $120,000

Personal Credit Scores

Minimum of 680

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Cost

1%-1.5% per month

Repayment Terms

Weekly, bi-weekly, or monthly payments for 2 to 6 years

Funding Amount

$20,000 - $5,000,000

Funding Speed

1-3 days ($200,000 or less can be wired same day)

Reviews

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Personal FICO credit scores and other credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit or financing type you are eligible for. Nav uses the Vantage 3.0 credit score to determine which credit offers are recommended which may differ from the credit score used by lenders and service providers. However, credit score alone does not guarantee or imply approval for any credit card, financing, or service offer.

Editorial Disclosure

Any personal views and opinions expressed are author’s alone, and do not necessarily reflect the viewpoint of Nav. Editorial content is not those of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities.

Reviews are not provided or commissioned by the credit card, financing and service companies that appear in this site. Reviews have not been reviewed, approved or otherwise endorsed by the credit card, financing and service companies and it is not their responsibility to ensure all posts and/or questions are answered.