Stripe Capital vs Kapitus

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

Compare	Stripe CapitalStripe	KapitusKapitus
In one line	Advances repaid as a cut of your Stripe sales	Larger loans and revenue-based financing for businesses past two years
Starting price	Flat fee, no interest	Rates from 6.2%
Six-person team	Flat fee, no interest	Rates from 6.2%
Plans	One flat fee per loan, no interest; repaid as a fixed share of Stripe sales (for example, $1,500 fee on $15,000)	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	Stripe only	Bank connection
Team size	Just me · 2–10 people · 11–50 people	2–10 people · 11–50 people
Available in	US · UK	US
Phone support	Every plan	Plans not stated
Live chat	Every plan	None listed
Support hours	Phone: 24x7 · Email: 24x7 · Live chat: 24x7	Not published
Incidents posted	Stripe has a public status page. Status page	We found no public status page for Kapitus.
Trustpilot score	Not listed	4.4 / 5 from 802 reviews
Fit: Retail shop	50	70
Fit: Restaurant or café	40	72
Fit: Service business	60	70
Fit: Agency or studio	60	62
Fit: Trades or contractor	40	75
Fit: Online store	90	65
Why people pick it	No paperwork Repayment flexes with sales	Large amounts Several offers from one application
Where it falls short	Only if Stripe offers it Flat fee can be pricey	Only the lowest rate is published Needs two years and $250K revenue
	Visit Stripe Capital ↗	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