Biz2Credit vs. Kapitus
Product-Level Requirements Come Before Brand Comparisons
These providers have several financing structures. Biz2Credit term-loan and revenue-based qualifications are separate; Kapitus also has product-specific requirements and unresolved credit-language conflicts.
Check the Biz2Credit product’s own qualifications, financing structure and current geographic availability.
Check which Kapitus product and legal provider the offer names; distinguish a direct or affiliated offer from a partner offer.
Side-by-Side
| DETAIL | Biz2Credit | Kapitus |
|---|---|---|
| Lender Type | Fintech | Fintech |
| Products Reviewed | Term Loan · Revenue-Based Financing · Line of Credit | Business Loan · Business Line of Credit · SBA Financing · Revenue-Based Financing |
| Published Product Cost | Varies by product | Varies by product |
| Published Credit Requirements | 575+–650+ by product | 650+ minimum; other products vary |
| Published Revenue Requirements | $250K/yr minimum; other products have unverified or conditional guidance | $180K/yr minimum–$250K/yr minimum by product; other products have unverified or conditional guidance |
| Published Time in Business | 1 year; other products have unverified or conflicting guidance | 2 years; other products have unverified or conflicting guidance |
| Published Funding Speed | Not verified in this review; confirm the exact offer. · Advertised decision as fast as 24 hours; this is not a guarantee of funded cash in 24 hours. | Varies by product |
| Repayment | Varies by product | Varies by product |
Product Terms and Evidence
Shared product types: Term Loan, Line of Credit, Revenue-Based Financing.
Evidence and open questions · 7 supported · 5 open
Expanded browser review of the live term-loan product page. Numeric pricing, fees, payoff and guarantee terms remain unresolved; the history contradiction is explicit.
Annual-revenue requirement: Verified Minimum. Live product-page minimum is $250,000 annually; replaces the earlier $100,000 entry. Source: https://www.biz2credit.com/term-loan
Operating-history requirement: Conflicting Disclosure. The same live page states both a 12-month minimum and at least 15 months in operation. The retained 12-month value is not a hard filter.
Interest-bearing term loan; a current numeric rate is not established by this product-page review.
Source 1Fixed installments include principal and interest; payment frequency is set in the offer.
Source 1The first-party page could not be retrieved in this expanded pass. Earlier product-specific qualification research is preserved; cost and contract details remain unverified in this pass.
Source 1The first-party page could not be retrieved in this expanded pass. Earlier product-specific qualification research is preserved; cost and contract details remain unverified in this pass.
Source 1The first-party page could not be retrieved in this expanded pass. Earlier product-specific qualification research is preserved; cost and contract details remain unverified in this pass.
Source 1The first-party page could not be retrieved in this expanded pass. Earlier product-specific qualification research is preserved; cost and contract details remain unverified in this pass.
Source 1The product page describes secured term loans; collateral and any UCC filing details must be confirmed in the agreement.
Source 1The page says submitting an application uses no hard inquiry; it does not establish that later acceptance/funding can never trigger one.
Source 1The minimum-requirements box says 12 months, but a later application section requires at least 15 months.
Both statements appeared in the same live product page; this is not used as a hard exclusion.
Source 1“Verified” means the linked source states this claim, not that every applicant receives the advertised terms. “Unverified” means the review did not establish the claim; it does not mean the provider publishes no information. Conflicts can reflect retrieval freshness or different offers. How we verify
Evidence and open questions · 6 supported · 6 open
Expanded live product-page review of amount, cost structure, remittances and qualifications. Contract-specific fees, guarantees, liens and payoff remain unresolved.
Annual-revenue requirement: Verified Minimum. Product page explicitly requires at least $250,000 annual revenue. Source: https://www.biz2credit.com/revenue-based-financing
Operating-history requirement: Verified Minimum. Product page explicitly requires at least one year in business. Source: https://www.biz2credit.com/revenue-based-financing
$25,000 to $2 million or more is advertised; exceptional larger transactions are not a standard limit.
Source 1Purchased future receivables with an agreed factor and fees, rather than conventional interest. The numerical factor and total cost require an offer.
Source 1The first-party page could not be retrieved in this expanded pass. Earlier product-specific qualification research is preserved; cost and contract details remain unverified in this pass.
Source 1A percentage of future receivables is remitted periodically; the page says amounts adjust with sales. Confirm debit frequency and the reconciliation process in the contract.
Source 1The first-party page could not be retrieved in this expanded pass. Earlier product-specific qualification research is preserved; cost and contract details remain unverified in this pass.
Source 1The first-party page could not be retrieved in this expanded pass. Earlier product-specific qualification research is preserved; cost and contract details remain unverified in this pass.
Source 1The first-party page could not be retrieved in this expanded pass. Earlier product-specific qualification research is preserved; cost and contract details remain unverified in this pass.
Source 1The first-party page could not be retrieved in this expanded pass. Earlier product-specific qualification research is preserved; cost and contract details remain unverified in this pass.
Source 1The first-party page could not be retrieved in this expanded pass. Earlier product-specific qualification research is preserved; cost and contract details remain unverified in this pass.
Source 1The page says application submission does not cause a hard inquiry; later-stage credit-check terms were not established.
Source 1“Verified” means the linked source states this claim, not that every applicant receives the advertised terms. “Unverified” means the review did not establish the claim; it does not mean the provider publishes no information. Conflicts can reflect retrieval freshness or different offers. How we verify
Evidence and open questions · 8 supported · 5 open
Expanded live FAQ/footer review. Distinguishes a credit decision from funded cash, line access from draw term, and early payoff from interest savings.
Annual-revenue requirement: Not Verified. The FAQ gives a general $250,000 annualized six-month-revenue criterion, higher thresholds in five jurisdictions and applicant-dependent exceptions. Not established as one universally comparable hard annual floor.
Operating-history requirement: Not Verified. FAQ gives 12 months but allows applicant-dependent changes; retained as guidance, not a universal hard exclusion.
Credit limit up to $500,000; an initial minimum draw is required and varies by state and circumstances.
Source 1The first-party page could not be retrieved in this expanded pass. Earlier product-specific qualification research is preserved; cost and contract details remain unverified in this pass.
Source 112-month access period for the line; do not assume this is each draw’s amortization term.
Source 1The first-party page could not be retrieved in this expanded pass. Earlier product-specific qualification research is preserved; cost and contract details remain unverified in this pass.
Source 1The first-party page could not be retrieved in this expanded pass. Earlier product-specific qualification research is preserved; cost and contract details remain unverified in this pass.
Source 1Paying a draw early still leaves the borrower responsible for unpaid interest expenses specified in the loan agreement.
Source 1Advertised decision as fast as 24 hours; this is not a guarantee of funded cash in 24 hours.
Source 1The first-party page could not be retrieved in this expanded pass. Earlier product-specific qualification research is preserved; cost and contract details remain unverified in this pass.
Source 1The first-party page could not be retrieved in this expanded pass. Earlier product-specific qualification research is preserved; cost and contract details remain unverified in this pass.
Source 1Provider states that applying does not affect the applicant’s credit score. Later-stage checks are not established by this statement.
Source 1Generally $250,000 annualized from the last six months; higher requirements may apply in AK, NE, NJ, OR and DC, and qualifications may vary.
Source 1Generally at least 12 months; the FAQ says requirements can change with applicant qualifications.
Source 1Unavailable in AR, CT, FL, MA, MI, MN, MT, NV, NC, ND, OH, PA, PR, RI, SD, TN, TX and VT.
Source 1“Verified” means the linked source states this claim, not that every applicant receives the advertised terms. “Unverified” means the review did not establish the claim; it does not mean the provider publishes no information. Conflicts can reflect retrieval freshness or different offers. How we verify
Evidence and open questions · 4 supported · 6 open
Expanded product review on October 1, 2026. Supported fields: Amount, Term, Repayment, Funding speed. Remaining fields are unresolved, not free or unrestricted. Prior product-specific credit classifications are retained.
Annual-revenue requirement: Verified Minimum. Product minimum rechecked October 1, 2026. Meeting it does not guarantee approval. Source: https://kapitus.com/products-services/
Operating-history requirement: Verified Minimum. Product minimum rechecked October 1, 2026. Meeting it does not guarantee approval. Source: https://kapitus.com/products-services/
Up to $5 million
Advertised product terms depend on approval and the specific agreement.
Source 1This review did not establish this term; obtain the actual offer and agreement.
Source 16–24 months
Advertised product terms depend on approval and the specific agreement.
Source 1Daily, weekly or monthly
Advertised product terms depend on approval and the specific agreement.
Source 1This review did not establish this term; obtain the actual offer and agreement.
Source 1This review did not establish this term; obtain the actual offer and agreement.
Source 1As little as 24 hours after approval; timing and availability depend on the offer.
Advertised product terms depend on approval and the specific agreement.
Source 1This review did not establish this term; obtain the actual offer and agreement.
Source 1This review did not establish this term; obtain the actual offer and agreement.
Source 1This review did not establish this term; obtain the actual offer and agreement.
Source 1“Verified” means the linked source states this claim, not that every applicant receives the advertised terms. “Unverified” means the review did not establish the claim; it does not mean the provider publishes no information. Conflicts can reflect retrieval freshness or different offers. How we verify
Evidence and open questions · 4 supported · 6 open
Expanded product review on October 1, 2026. Supported fields: Amount, Term, Repayment, Funding speed. Remaining fields are unresolved, not free or unrestricted. Prior product-specific credit classifications are retained.
Annual-revenue requirement: Verified Minimum. Product minimum rechecked October 1, 2026. Meeting it does not guarantee approval. Source: https://kapitus.com/products-services/
Operating-history requirement: Verified Minimum. Product minimum rechecked October 1, 2026. Meeting it does not guarantee approval. Source: https://kapitus.com/products-services/
Up to $750,000
Advertised product terms depend on approval and the specific agreement.
Source 1This review did not establish this term; obtain the actual offer and agreement.
Source 112–36 months
Advertised product terms depend on approval and the specific agreement.
Source 1Daily, weekly or monthly
Advertised product terms depend on approval and the specific agreement.
Source 1This review did not establish this term; obtain the actual offer and agreement.
Source 1This review did not establish this term; obtain the actual offer and agreement.
Source 1Approval advertised as little as four hours and active line as little as 24 hours, conditional on completed paperwork and underwriting.
Advertised product terms depend on approval and the specific agreement.
Source 1This review did not establish this term; obtain the actual offer and agreement.
Source 1This review did not establish this term; obtain the actual offer and agreement.
Source 1This review did not establish this term; obtain the actual offer and agreement.
Source 1“Verified” means the linked source states this claim, not that every applicant receives the advertised terms. “Unverified” means the review did not establish the claim; it does not mean the provider publishes no information. Conflicts can reflect retrieval freshness or different offers. How we verify
Evidence and open questions · 4 supported · 6 open
Expanded product review on October 1, 2026. Supported fields: Amount, Term, Pricing, Personal guarantee. Remaining fields are unresolved, not free or unrestricted. Prior product-specific credit classifications are retained.
Annual-revenue requirement: Not Verified. Earlier product-specific revenue guidance is retained. This review has not established a comparable hard annual-revenue minimum; it is not used to exclude applicants.
Operating-history requirement: Not Verified. Earlier product-specific operating-history guidance is retained. This review has not established a hard minimum; it is not used to exclude applicants.
Up to $5 million
Advertised product terms depend on approval and the specific agreement.
Source 1Source 2SBA-capped interest rates; exact rate and fees depend on the participating lender and SBA program.
Advertised product terms depend on approval and the specific agreement.
Source 1Source 2Up to 25 years depending on use and program
Advertised product terms depend on approval and the specific agreement.
Source 1Source 2This review did not establish this term; obtain the actual offer and agreement.
Source 1Source 2This review did not establish this term; obtain the actual offer and agreement.
Source 1Source 2This review did not establish this term; obtain the actual offer and agreement.
Source 1Source 2This review did not establish this term; obtain the actual offer and agreement.
Source 1Source 2SBA states individuals with 20% or more ownership must provide an unlimited personal guarantee; additional guarantees may apply.
Advertised product terms depend on approval and the specific agreement.
Source 1Source 2“Verified” means the linked source states this claim, not that every applicant receives the advertised terms. “Unverified” means the review did not establish the claim; it does not mean the provider publishes no information. Conflicts can reflect retrieval freshness or different offers. How we verify
Evidence and open questions · 5 supported · 5 open
Expanded product review on October 1, 2026. Supported fields: Amount, Term, Pricing, Repayment, Funding speed. Remaining fields are unresolved, not free or unrestricted. Prior product-specific credit classifications are retained.
Annual-revenue requirement: Verified Minimum. Product minimum rechecked October 1, 2026. Meeting it does not guarantee approval. Source: https://kapitus.com/products-services/revenue-based-financing/
Operating-history requirement: Typical Profile. Kapitus describes two years as typical but says younger businesses with strong sales may be considered; not a hard exclusion.
Up to $5 million
Advertised product terms depend on approval and the specific agreement.
Source 1Fixed financing cost expressed as a factor rate; no universal factor published on the checked page. It is not an APR.
Advertised product terms depend on approval and the specific agreement.
Source 1Estimated 6–24 months; actual completion depends on the agreement and receipts.
Advertised product terms depend on approval and the specific agreement.
Source 1Agreed percentage of receipts remitted daily, weekly or monthly, depending on the agreement.
Advertised product terms depend on approval and the specific agreement.
Source 1This review did not establish this term; obtain the actual offer and agreement.
Source 1This review did not establish this term; obtain the actual offer and agreement.
Source 1Decision as little as four hours and funding as little as 24 hours for qualified businesses.
Advertised product terms depend on approval and the specific agreement.
Source 1This review did not establish this term; obtain the actual offer and agreement.
Source 1This review did not establish this term; obtain the actual offer and agreement.
Source 1This review did not establish this term; obtain the actual offer and agreement.
Source 1“Verified” means the linked source states this claim, not that every applicant receives the advertised terms. “Unverified” means the review did not establish the claim; it does not mean the provider publishes no information. Conflicts can reflect retrieval freshness or different offers. How we verify
Before You Apply
The financing terms matter, but so does who receives your application and what contact consent you accept.