Fora Financial vs Kapitus

Two loans & credit tools side by side. Prices are the starting plan a small business would pick, in USD.

Compare	Fora FinancialFora Financial	KapitusKapitus
In one line	Short-term loans with published factor rates and fees	Larger loans and revenue-based financing for businesses past two years
Starting price	Factor rates from 1.13	Rates from 6.2%
Six-person team	Factor rates from 1.13	Rates from 6.2%
Plans	Loans and revenue advances up to $1.5M over 4-18 months; factor rates 1.13-1.50 (early payoff can cut to 1.05); origination fee from 2.5% plus a wire fee; daily or weekly payments	Loans and revenue-based financing up to $5M over 6-24 months; line of credit up to $750K (needs $180K revenue); needs 2+ years in business, $250K yearly revenue, 650 credit score; rates from 6.2%, set by quote
Pricing model	Paid	Paid
Free trial	—	—
Users	n/a	n/a
Integrations	Soft credit check to apply	Bank connection
Team size	2–10 people · 11–50 people	2–10 people · 11–50 people
Available in	US	US
Phone support	Plans not stated (US)	Plans not stated
Live chat	None listed	None listed
Support hours	Not published	Not published
Incidents posted	Fora Financial has a public status page. Status page	We found no public status page for Kapitus.
Trustpilot score	4.7 / 5 from 1,122 reviews	4.4 / 5 from 802 reviews
Fit: Retail shop	72	70
Fit: Restaurant or café	75	72
Fit: Service business	65	70
Fit: Agency or studio	50	62
Fit: Trades or contractor	70	75
Fit: Online store	60	65
Why people pick it	Published factor-rate range and fees Early payoff discount, no prepayment penalty	Large amounts Several offers from one application
Where it falls short	Short terms make the cost high Its pages list different minimums	Only the lowest rate is published Needs two years and $250K revenue
	Visit Fora Financial ↗	Visit Kapitus ↗

Six-person prices are what a team of six would pay on the published plans; "Not listed" means those plans don't cover six. How we calculate prices