TL;DR
Strategic Funding Source (Kapitus) ranks #89 in our 2026 funder ranking. Best for established merchants wanting an all-products alternative finance partner rather than single-product specialist. The strength: Operating as Kapitus since rebrand. The watch-out: Cross-sell pressure on bundled products.
Strategic Funding Source (Kapitus) rate card 2026
| Category | MCA + multi-product |
| Best for | Multi-product alternative finance — MCA, term, equipment, factoring |
| Amount range | $10,000 – $750,000+ |
| Cost (factor / APR) | Factor 1.18 – 1.45; term loan 12-28% APR |
| Speed to fund | 1 – 3 business days |
| Min time in business | 6 months |
| Min monthly revenue | $15,000 |
| Min credit score | 575+ |
The strength — what Strategic Funding Source (Kapitus) does better than anyone
Operating as Kapitus since rebrand. Multi-product alt-fin: MCA, term loans, equipment financing, invoice factoring, SBA helper, payroll. Strong industry breadth.
The watch-out — what Strategic Funding Source (Kapitus) doesn't put in marketing
Cross-sell pressure on bundled products. Pricing not always the most competitive on any single product.
Who Strategic Funding Source (Kapitus) is best for
Established merchants wanting an all-products alternative finance partner rather than single-product specialist.
Who shouldn't apply
Merchants ranking solidly above Strategic Funding Source (Kapitus)'s box may want to apply to OnDeck or Credibly first for cheaper money. 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 Strategic Funding Source (Kapitus) actually makes sense.
How Strategic Funding Source (Kapitus) compares to the rest of the top 10
| Funder | Category | Cost | Speed |
|---|---|---|---|
| Strategic Funding Source (Kapitus) (this funder) | MCA + multi-product | Factor 1.18 – 1.45; term loan 12-28% APR | 1 – 3 business days |
| 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 Strategic Funding Source (Kapitus) 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 Strategic Funding Source (Kapitus) a direct funder or a broker?
- Strategic Funding Source (Kapitus) 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 Strategic Funding Source (Kapitus) will fund?
- Strategic Funding Source (Kapitus)'s published floor is $15,000 in average monthly revenue, with 6 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 Strategic Funding Source (Kapitus) fund?
- Strategic Funding Source (Kapitus)'s public speed quote is 1 – 3 business days. 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 Strategic Funding Source (Kapitus) 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 Strategic Funding Source (Kapitus), 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 Strategic Funding Source (Kapitus)'s biggest weakness vs alternatives?
- Cross-sell pressure on bundled products. Pricing not always the most competitive on any single product.
Related reading
- The full 2026 ranking of 10 MCA funders — where Strategic Funding Source (Kapitus) sits and why.
- How factor rates actually work — the math behind Factor 1.18 – 1.45.
- How to qualify for an MCA in 2026 — the 7 things underwriters check.
- Take the fundability quiz — find your tier in 2 minutes.