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Kapitus Reviews

Rated 4.6 based on 819 Reviews

120 W 45th St, New York, NY 10036, United States

Financial Services New York

Published on
July 1, 2025
Last updated
July 1, 2025

Reviews Summary

The overall sentiment regarding Kapitus Financial’s business financing services is predominantly positive, as reflected in customer reviews. Many clients, notably small business owners, highlight the company’s reliability and the proactive, supportive nature of its team members, such as Jason, Zachary, and Sean. Reviewers appreciate personalized service, easy communication, efficiency, and the attentiveness shown throughout the process. Isolated critical feedback includes concerns about recommended third-party lenders, high interest rates, and a desire for better financing terms, but these are in the minority.

The most mentioned themes center around professionalism, responsiveness, and process transparency. Customers describe swift funding, thorough explanations, and consultative guidance as standout aspects, referencing several individual employees by name. Process efficiency—especially for those needing quick turnaround—and clear communication are repeatedly praised. While a few mention less competitive rates or standard market terms, most customer feedback emphasizes satisfaction with the staff’s approach and the ease of securing finance.

Based on reviewer feedback, Kapitus Financial maintains a strong reputation in business financing for small businesses. The company is recognized for responsive service, knowledgeable staff, and an efficient funding process. Although a small number of customers express dissatisfaction with costs or recommendations, most value Kapitus Financial as a reliable and supportive financing resource. Overall, Kapitus Financial is regarded as a reputable choice for business finance needs.
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What Customers Are Saying About Kapitus?

nothing short of exceptional

on time and on top of his game

made the process incredibly smooth

extremely thorough and explained everything

smooth and efficient

very instrumental, professional and positive influence

painless

quite helpful

OUTSTANDING

prompt but not pushy

Trustguide extracts key phrases from reviews about Kapitus and sort them by sentiment. This gives you a quick view of what customers consistently praise or raise concerns about—without needing to read every review.

Satisfaction Score

Based on the set of reviews used to generate this report, it appears that 70% of Kapitus's customers had a positive experience.

Positive
70%
Neutral
20%
Negative
10%

Kapitus Ratings

2

As of Based on 819 revies as of Jul 01, 2025

Kapitus Score

70%

As of Based on 819 revies as of Jul 01, 2025

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Customer Reviews

As of Jul 01, 2025, 819 customers have reviewed this business and rated it 4.6 Star out of 5. Trustguide conducted an in-depth analysis of Kapitus's publicly available reviews View source

Nolyris Alvarez rated Kapitus 5 stars
2 months ago
Kapitus is truly unique! Rating: ★★★★★ We have been collaborating with Kapitus Financial for nearly five years, and our experience has been nothing short of exceptional. As a dental office, securing adequate working capital is crucial for our growth, and Kapitus has consistently provided us with a range of financing solutions tailored to our needs. What sets Kapitus apart is their commitment to understanding our business. They actively seek insights into our operations and future plans, ensuring that their support aligns with our growth strategies. This personalized approach has made a significant difference in how we navigate the complex business environment. Jason and Zachary, in particular, have been outstanding. Their accessibility and willingness to assist us at any time have created a strong sense of partnership. They are always just a call away, ready to provide guidance and support whenever we need it. Overall, I highly recommend Kapitus Financial to any business looking for a reliable partner in financing. Their dedication to customer service and understanding of our unique challenges have made them an invaluable asset in our journey towards growth.
David Mosteller rated Kapitus 5 stars
a month ago
Sean Galusz Is the BEST! On time and on top of his game. He followed me all the way through The process and answered his phone almost all the time, if I called and he was busy he always called right back never left me hanging. If You want to feel safe, confident and respected then ask for Sean on your next loan. It was an honor to do business with him.
Paul Shuman rated Kapitus 2 stars
a month ago
This turned out to be the worst loan I have ever had. Yes they got me funding quickly and the process was easy, but Kapitus didn't fund it they pushed me off to Headway which I mistakenly trusted because Kapitus recommended them to fit my needs. Turned out my interest rate is 41%. The payments are way to high and has to be paid back in 18 months. They are just another one of those loan shark companies that can put you out of business instead of helping your business if your not careful. I am trying to find a way to pay this off as quick as I can. I do not recommend.

Frequently Asked Questions About Kapitus

How responsive is the Kapitus Financial team during the funding process?

Multiple reviewers report that Kapitus Financial staff—including specific representatives—are highly responsive, available to answer questions, and proactive in communicating updates. Clients often cite efficient support and quick follow-up throughout the process.

Are all loans through Kapitus Financial funded directly by Kapitus?

Not all loans are funded directly by Kapitus Financial. Some customers describe being referred to third-party lenders for financing solutions. It is advisable to review any lender’s terms carefully to ensure they fit your needs.

Are financing terms and rates competitive compared to other lenders?

Several customers mention that Kapitus Financial's rates and terms are competitive with other lenders, with average money factors. A few note receiving better offers elsewhere. Fast funding is commonly cited as a strength.

About Kapitus

Financial Services
Kapitus Financial specializes in providing business financing solutions tailored primarily to small and medium-sized businesses. The company offers a range of loan and working capital options intended to help organizations manage cash flow, finance growth, or meet day-to-day operational expenses. Services are delivered directly to business owners through dedicated account representatives.

Kapitus Financial operates through a consultative and personalized process. Clients typically work with a designated team member who assists throughout the funding process—from application to funding. The company emphasizes transparency and clarity in communication, with staff available to explain terms, review financing options, answer questions, and ensure that solutions align with the client's business needs.
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How is this report generated

Trustguide generates concise, neutral summaries of business reviews. By analyzing publicly available feedback from reputable platforms, it highlights common experiences, praises, and concerns. This allows users to quickly understand a business’s reputation without reading every individual review.4o
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Mike, Adam and another 21,516 have joined the waitlist.