Is Kalamata Capital legit?

Full answer

Kalamata Capital Group is a legitimate direct merchant cash advance funder, not a broker. Founded 2013, headquartered in Bethesda, Maryland. Registered in good standing with Maryland state filings. Operates nationally across the U.S.

Trust signals: A+ rating with the Better Business Bureau (accredited member). $750M+ funded since founding across 12,000+ small businesses. Active member of the Small Business Finance Association (SBFA), which enforces a code of conduct for member funders — a meaningful trust signal in an industry with limited regulation.

Where Kalamata fits: B-paper friendly mid-market. Published minimums are 500+ FICO, 6+ months operating, $20K+/mo revenue. Funds most industries including trucking, construction, and service businesses. Typical advance size $25K-$500K — broader than smaller funders, tighter than Libertas's large-deal focus.

Where to be careful: factor rates trend mid-tier (typical 1.22-1.45). Not the absolute cheapest, but reasonable for the B-paper merchants they target. ISO commission isn't publicly disclosed — if you apply through a broker, expect 4-15% markup baked into the factor you're quoted. Applying direct saves materially.

Bottom line: Kalamata is a legitimate direct funder with clean regulatory standing and SBFA membership (a positive trust signal). The question isn't legitimacy — it's pricing tier and broker routing. Apply direct or via a transparent platform to avoid broker markup; compare against Credibly or Fora before signing.

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