The specs
CrediblyStrategic Funding Source (Kapitus)
Product typeMulti-productMulti-product
Amount range$5K – $600K$10K – $5M
Cost (factor / APR)Factor 1.11+ (MCA); APR varies (term)Factor 1.16 – 1.45 (MCA); APR 25 – 50% (term); APR 18 – 35% (LOC)
Speed to fundAs fast as 4 hours24 – 72 hours
Min time in business6 months24 months
Min monthly revenue$15,000$5,000
Min credit score550+625+
Products
- MCA
- Working capital LOC
- Short-term term loan
- MCA
- Term loan
- LOC
- Equipment financing
- Invoice factoring
- SBA loans
Verdicts by use case
- Single-product MCA execution speed — Winner: Credibly. Credibly funds in as fast as 4 hours via API V2 + Cloudsquare (March 2026); narrow focus on MCA + term + LOC means clean execution pipelines. Strategic/Kapitus has six products and 24 – 72 hour funding — broader product menu, slower per-deal velocity. For pure MCA urgency, Credibly is faster.
- Multi-product merchant relationship — Winner: Strategic Funding Source (Kapitus). Strategic/Kapitus offers six products (MCA, term, LOC, equipment, invoice factoring, SBA) — useful for merchants whose capital needs evolve across years. Credibly has three products. Merchants who want a single capital partner across product types favor Strategic.
- Newer business (6 – 12 months TIB) — Winner: Credibly. Credibly's 6-month TIB floor is reachable. Strategic/Kapitus requires 24+ months — excludes most newer businesses outright. Sub-24-month merchants are Credibly-only in this pair.
- Largest deal sizes ($600K+) — Winner: Strategic Funding Source (Kapitus). Strategic/Kapitus underwrites up to $5M across products (especially SBA and equipment). Credibly tops at $600K. For institutional-scale deals, Strategic is the only realistic option in this pair.
- Lowest cost on clean A-paper — Winner: Credibly. Credibly's A-paper factor band (1.11 – 1.25) is competitive with or beats Strategic/Kapitus's 1.16 – 1.45 range on equivalent MCA structures. Single-product focus translates to tighter A-paper pricing.
The honest takeaway
Credibly and Strategic Funding Source (Kapitus) solve overlapping but distinct problems. The right choice depends on three things you already know about your business: how fast you need the money, how long you've been operating, and whether the capital need is one-time or recurring.
Frequently asked questions
- Strategic Funding Source and Kapitus — same company?
- Yes. Strategic Funding Source rebranded as Kapitus in 2019. The legal entity, leadership, and underwriting practices are continuous; the rebrand reflected the broader product expansion beyond MCA into term, LOC, equipment, and SBA. Both names appear in legacy contracts and ISO materials. If you see 'Strategic Funding Source' on a 2024+ document, that's typically a paperwork carryover — the operating entity is Kapitus.
- I'm 18 months in business at $40K/mo with 640 FICO — Credibly or Strategic/Kapitus?
- Credibly, because Strategic/Kapitus declines you for TIB under 24 months. Credibly accepts at 6+ months and will likely quote 1.22 – 1.30 factor for your profile. Use Credibly for the next 6 – 12 months; once you cross 24 months and have clean payment history, you'll have both Credibly's renewal option AND Strategic/Kapitus's full product menu available. The right move is matching your current eligibility window — Credibly fits 6 – 24 month businesses where Strategic doesn't.
- Why does Strategic/Kapitus charge more than Credibly on MCA for similar files?
- Multi-product overhead. Strategic/Kapitus maintains underwriting and operations teams for six products — that overhead is amortized across the portfolio, raising per-deal cost vs Credibly's narrower product set. Strategic's value isn't best-in-class pricing on any single product; it's the ability to route your file across products as your capital needs evolve (MCA today, term loan in 18 months, equipment in 3 years). For single-product MCA needs, Credibly wins on price; for multi-year multi-product relationships, Strategic's broader infrastructure is the value.