I'm a dental practice at $60K/mo collections, 700 FICO, 4 years in practice — which?

Kapitus Helix. The healthcare-specialist underwriting prices the deal materially better than a generalist MCA. Expect APR in the 18 – 28% range on a term loan, or a 1.18 – 1.24 factor on MCA. Accord can fund but the lack of vertical specialty means generic pricing — not competitive here.

I'm a restaurant at $22K/mo with 560 FICO and 8 months TIB needing $30K — which?

Accord. Kapitus's 24-month TIB and 625+ FICO floors both decline you outright. Accord's 3-month floor and B/C-paper appetite accept you. Expect a 1.40+ factor on the $30K and a tight daily ACH.

Does Kapitus actually fund MCA or push merchants to term/LOC?

Kapitus funds all products but their underwriting model often steers qualifying merchants to term or LOC structures because those are cheaper for the merchant and more profitable for Kapitus over the contract life. Merchants who specifically want MCA structure (e.g., no daily-amortizing balance reported on credit) sometimes find Accord a more straightforward MCA partner.

Kapitus vs Accord Business Funding — 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

KapitusAccord Business Funding

Product typeMulti-productMCA

Amount range$10K – $5M (across products)$5K – $150K

Cost (factor / APR)Factor 1.18 – 1.45 (MCA); APR varies on term, LOC, and equipmentFactor varies by paper grade

Speed to fund24 – 48 hours (MCA); 3 – 7 days for term + equipmentNext-day for approved files

Min time in business24 months3 months

Min monthly revenue$15,000Flexible — no published floor

Min credit score625+Flexible — accepts B/C-paper

Products

MCA
Term loan
LOC
Equipment financing
Invoice factoring
Helix healthcare financing

MCA (1st / 2nd / 3rd position)

Verdicts by use case

Newer business (3 – 24 months TIB) — Winner: Accord Business Funding. Accord's 3-month TIB floor accepts merchants Kapitus's 24-month minimum declines outright. Sub-24-month merchants are Accord-only in this pair — a huge gap.
Multi-product flexibility (term + LOC + equipment) — Winner: Kapitus. Kapitus offers MCA, term loan, LOC, equipment financing, invoice factoring, and Helix healthcare financing — broadest product line in the MCA-origin direct funder category. Accord is MCA-only. Merchants wanting non-MCA structures favor Kapitus.
Larger deal size ($150K+) — Winner: Kapitus. Kapitus funds up to $5M across products. Accord caps at $150K. For sizable capital, Kapitus wins outright.
Best ISO commission economics — Winner: Accord Business Funding. Accord pays up to 15% on new deals, 100% on renewals, with next-day commission payment. Kapitus has tiered commission with stricter requirements. ISOs optimizing for commission and cash flow favor Accord.
Healthcare / medical / dental / vet vertical — Winner: Kapitus. Kapitus Helix is a dedicated healthcare financing platform with specialist underwriting for medical, dental, and veterinary practices. Accord has no vertical specialty. Healthcare ISOs and practices favor Kapitus.

The honest takeaway

Kapitus and Accord Business Funding 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 dental practice at $60K/mo collections, 700 FICO, 4 years in practice — which?: Kapitus Helix. The healthcare-specialist underwriting prices the deal materially better than a generalist MCA. Expect APR in the 18 – 28% range on a term loan, or a 1.18 – 1.24 factor on MCA. Accord can fund but the lack of vertical specialty means generic pricing — not competitive here.
I'm a restaurant at $22K/mo with 560 FICO and 8 months TIB needing $30K — which?: Accord. Kapitus's 24-month TIB and 625+ FICO floors both decline you outright. Accord's 3-month floor and B/C-paper appetite accept you. Expect a 1.40+ factor on the $30K and a tight daily ACH.
Does Kapitus actually fund MCA or push merchants to term/LOC?: Kapitus funds all products but their underwriting model often steers qualifying merchants to term or LOC structures because those are cheaper for the merchant and more profitable for Kapitus over the contract life. Merchants who specifically want MCA structure (e.g., no daily-amortizing balance reported on credit) sometimes find Accord a more straightforward MCA partner.