Is Kalamata Capital a direct funder or a broker?

Kalamata Capital is a direct funder — they underwrite and deploy capital from their own balance sheet (or institutional credit facility), not by routing your file to other lenders. This matters because direct funders are accountable for the terms they quote.

What's the minimum revenue Kalamata Capital will fund?

Kalamata Capital's published floor is $25,000 in average monthly revenue, with 12 months minimum time in business. Credit score floor is 575+. These are box minimums — actual approval requires bank statements showing consistent daily deposits and acceptable NSF history.

How fast can Kalamata Capital fund?

Kalamata Capital's public speed quote is Funding in 48 – 72 hours. In practice, clean files (consistent revenue, no NSFs, no second position) fund at the fast end of that range. Files needing additional documentation, second-position deals, or larger amounts ($250K+) take longer.

Should I go directly to Kalamata Capital or through a broker?

Going direct gets you a single quote with no broker commission baked into the factor rate. Going through a broker (like Fundnode) gets you scored against multiple funders, including Kalamata Capital, with full disclosure of how we earn. There's no universal right answer — but if you only want one quote, going direct saves the broker's cut.

Kalamata Capital Review 2026 — Rates, Terms, Honest Verdict

Best for: Mid-market MCA deals in the $50K-$500K range. Amount range: $10,000 – $500,000. Speed: Funding in 48 – 72 hours. Below: the rate card, the watch-out, alternatives we'd compare against, and the honest verdict.

TL;DR

Kalamata Capital ranks #17 in our 2026 funder ranking. Best for established mid-market merchants ($25k-$200k/mo revenue, 575+ credit, 12+ months operating) wanting $50k-$500k, willing to verify they're getting kalamata's direct factor rate rather than a broker-marked-up version. The strength: $3B+ deployed since founding; mid-market focus means stronger underwriting depth for the $50K-$500K range than smaller specialty funders. The watch-out: Higher minimums ($25K+/mo revenue, 12+ months TIB) exclude smaller operators.

Kalamata Capital rate card 2026

Category	MCA specialty
Best for	Mid-market MCA deals in the $50K-$500K range
Amount range	$10,000 – $500,000
Cost (factor / APR)	Factor 1.22 – 1.45 depending on paper grade
Speed to fund	Funding in 48 – 72 hours
Min time in business	12 months
Min monthly revenue	$25,000
Min credit score	575+

The strength — what Kalamata Capital does better than anyone

$3B+ deployed since founding; mid-market focus means stronger underwriting depth for the $50K-$500K range than smaller specialty funders. ISO-friendly with established broker network — useful if you're already working with a broker. Will fund industries like staffing, construction, and trucking that some generalists avoid.

The watch-out — what Kalamata Capital doesn't put in marketing

Higher minimums ($25K+/mo revenue, 12+ months TIB) exclude smaller operators. ISO-heavy distribution means most deals come with broker markup baked into the factor. Going direct to Kalamata vs through a broker can save 4-8% on the factor.

Who Kalamata Capital is best for

Established mid-market merchants ($25K-$200K/mo revenue, 575+ credit, 12+ months operating) wanting $50K-$500K, willing to verify they're getting Kalamata's direct factor rate rather than a broker-marked-up version.

Who shouldn't apply

Merchants with less than 12 months in business will get an automatic decline — try Accord (3 months) or Greenbox (6 months) instead. Established multi-location operators may get better terms at OnDeck or NewCo Capital Group. As with any MCA decision, the cheapest money is the money you don't borrow — start with the calculator at /calculator to see if the deal you'd take from Kalamata Capital actually makes sense.

How Kalamata Capital compares to the rest of the top 10

Funder	Category	Cost	Speed
Kalamata Capital (this funder)	MCA specialty	Factor 1.22 – 1.45 depending on paper grade	Funding in 48 – 72 hours
Credibly	MCA + multi-product	Factor 1.11+ (MCA); APR varies for term + LOC	As fast as 4 hours
Greenbox Capital	Multi-product	Factor varies; published up to 19% ISO commission	24 – 48 hours
Accord Business Funding	MCA specialty	Factor varies by paper grade (often 1.40+)	Next-day for approved files
Bluevine	LOC	APR 6.2% – 27%	1 – 3 business days
OnDeck	Term + LOC	Term APR 27%+; LOC APR 30%+	Same-day for approved files

What to ask Kalamata Capital before signing

"What's the APR-equivalent on this deal?" A funder who can't or won't quote it has something to hide. Required disclosure in five states as of 2026.
"Is there a prepayment discount?" Some funders charge the full factor regardless of payoff speed. Get the discount in writing before you sign.
"What's the reconciliation policy if my revenue drops?" The best funders adjust the daily ACH downward when deposits drop. Many won't. Ask in writing.
"Will you stack on top of an existing position?" Stacking is one of the top reasons MCA merchants default. If a funder accepts second/third position freely, that's a yellow flag for the merchant.

Frequently asked questions

Is Kalamata Capital a direct funder or a broker?: Kalamata Capital is a direct funder — they underwrite and deploy capital from their own balance sheet (or institutional credit facility), not by routing your file to other lenders. This matters because direct funders are accountable for the terms they quote.
What's the minimum revenue Kalamata Capital will fund?: Kalamata Capital's published floor is $25,000 in average monthly revenue, with 12 months minimum time in business. Credit score floor is 575+. These are box minimums — actual approval requires bank statements showing consistent daily deposits and acceptable NSF history.
How fast can Kalamata Capital fund?: Kalamata Capital's public speed quote is Funding in 48 – 72 hours. In practice, clean files (consistent revenue, no NSFs, no second position) fund at the fast end of that range. Files needing additional documentation, second-position deals, or larger amounts ($250K+) take longer.
Should I go directly to Kalamata Capital or through a broker?: Going direct gets you a single quote with no broker commission baked into the factor rate. Going through a broker (like Fundnode) gets you scored against multiple funders, including Kalamata Capital, with full disclosure of how we earn. There's no universal right answer — but if you only want one quote, going direct saves the broker's cut.
What's Kalamata Capital's biggest weakness vs alternatives?: Higher minimums ($25K+/mo revenue, 12+ months TIB) exclude smaller operators. ISO-heavy distribution means most deals come with broker markup baked into the factor. Going direct to Kalamata vs through a broker can save 4-8% on the factor.

Kalamata Capital — honest 2026 review.