I'm a $20K/mo business looking for $30K — which?

Greenbox. You're below Kalamata's $25K/mo + $50K minimum deal size. Greenbox fits your profile cleanly.

I'm doing $80K/mo, need $250K — which?

Kalamata. Larger deal size + their $25K+/mo profile + 12+ months TIB matches your file. Better pricing typically at this tier than Greenbox.

Both work for my profile — which?

Kalamata for larger deals ($100K+), Greenbox for smaller ($5K-$75K). Get quotes from both — direct-funder pricing varies.

Greenbox Capital vs Kalamata Capital — honest comparison 2026

Both fund small businesses. They solve different problems. Here's the honest side-by-side, then five use-case verdicts so you don't have to guess.

The specs

Greenbox CapitalKalamata Capital

Product typeMulti-productMCA

Amount range$5K – $250K (MCA); other products vary$10K – $500K

Cost (factor / APR)Factor varies by paper; published commission up to 19% to ISOsFactor 1.22 – 1.45 depending on paper grade

Speed to fund24 – 48 hoursFunding in 48 – 72 hours

Min time in business6 months12 months

Min monthly revenue$15,000$25,000

Min credit scoreFlexible — accepts down to 500 on some programs575+

Products

MCA
Invoice factoring
Equipment financing
Collateral loans
LOC

Verdicts by use case

Smaller deals ($5K-$50K) — Winner: Greenbox Capital. Greenbox is built for smaller deals. Kalamata's $50K-$500K range optimizes for larger.
Mid-market deals ($50K-$500K) — Winner: Kalamata Capital. Kalamata $3B+ deployed mostly in this range. Stronger underwriting depth for $50K+.
Lower credit acceptance — Winner: Greenbox Capital. Greenbox 500+ vs Kalamata 575+. Sub-575 is Greenbox-only.
Higher monthly revenue requirements — Winner: Greenbox Capital. Greenbox $15K/mo vs Kalamata $25K/mo. Sub-$25K merchants need Greenbox.
Multi-state licensing depth — Winner: Kalamata Capital. Kalamata has broader institutional credit facility backing — more consistent terms across states. Greenbox terms can vary more by jurisdiction.

The honest takeaway

Greenbox Capital and Kalamata Capital 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

I'm a $20K/mo business looking for $30K — which?: Greenbox. You're below Kalamata's $25K/mo + $50K minimum deal size. Greenbox fits your profile cleanly.
I'm doing $80K/mo, need $250K — which?: Kalamata. Larger deal size + their $25K+/mo profile + 12+ months TIB matches your file. Better pricing typically at this tier than Greenbox.
Both work for my profile — which?: Kalamata for larger deals ($100K+), Greenbox for smaller ($5K-$75K). Get quotes from both — direct-funder pricing varies.