Lendio vs Kapitus

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

Compare	LendioLendio	KapitusKapitus
In one line	Marketplace that shops your application to 75+ lenders	Larger loans and revenue-based financing for businesses past two years
Starting price	Free to apply	Rates from 6.2%
Six-person team	Free to apply	Rates from 6.2%
Plans	No fees listed for applicants; lenders set rates and terms and may pay Lendio for referrals	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	Free	Paid
Free trial	—	—
Users	n/a	n/a
Integrations	Bank and accounting connections	Bank connection
Team size	Just me · 2–10 people · 11–50 people	2–10 people · 11–50 people
Available in	US	US
Phone support	Every plan	Plans not stated
Live chat	None listed	None listed
Support hours	Phone: Monday–Friday 7:30 AM–5:00 PM MST	Not published
Incidents posted	We found no public status page for Lendio.	We found no public status page for Kapitus.
Trustpilot score	4.5 / 5 from 21,925 reviews	4.4 / 5 from 802 reviews
Fit: Retail shop	80	70
Fit: Restaurant or café	80	72
Fit: Service business	75	70
Fit: Agency or studio	65	62
Fit: Trades or contractor	80	75
Fit: Online store	70	65
Why people pick it	One form, many offers SBA loan help	Large amounts Several offers from one application
Where it falls short	Expect sales calls Offers vary widely	Only the lowest rate is published Needs two years and $250K revenue
	Visit Lendio ↗	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