Alvara Capital vs. Kapitus
An honest side-by-side comparison to help you choose the right business funding partner.
At a Glance
Multi-product direct lender offering one of the broadest menus in the industry — working capital, equipment, MCA, invoice factoring, SBA, and lines of credit.
Alvara Capital
Direct lender- Amount range$10,000 – $1,000,000
- Time in business6 months minimum
- Monthly revenue$10,000+
- Min credit scoreNone required
- Funding speedSame day to 24 hours
Kapitus
Direct lender- Amount range$10,000 – $5,000,000+
- Time in business2 years minimum
- Monthly revenueVaries by product (~$20,000+ typical)
- Min credit score625+ (varies by product)
- Funding speedAs fast as 24–48 hours
Products Offered
Alvara Capital
- Business line of credit
- Business term loan
- Revenue advance
- Equipment financing
- Debt consolidation
- Short-term loan
Kapitus
- Working capital loans
- Equipment financing
- Revenue advance / MCA
- Invoice factoring
- Business line of credit
- SBA loans
Kapitus: Pros and Cons
Based on publicly available information and industry reputation.
Strengths
- Wide product menu — one application can be routed to multiple products
- Higher maximum amounts (up to $5M+ for qualified borrowers)
- Established player (founded 2006 as Strategic Funding Source)
Tradeoffs
- Two-year time-in-business minimum excludes newer businesses
- Higher revenue thresholds for most products
- Credit score floor of 625 on most products
Where Alvara Capital has an edge
Specific areas where Alvara Capital's terms or process compare favorably to Kapitus.
Kapitus is a good fit if:
Mature businesses (2+ years) with strong revenue and fair-to-good credit who want product variety from a single lender.
Alvara Capital is a better fit if:
You have a credit-challenged profile, need same-day funding, have been in business at least 6 months, generate $10K+ in monthly revenue, and want a single direct relationship rather than a broker or multi-lender marketplace.
Frequently Asked Questions
What is the difference between Alvara Capital and Kapitus?
Alvara Capital is a direct lender offering business funding from $10,000 to $1,000,000 with no minimum credit score required, 6 months minimum time in business, and same-day approval. Kapitus is a direct lender: Multi-product direct lender offering one of the broadest menus in the industry — working capital, equipment, MCA, invoice factoring, SBA, and lines of credit.
What credit score do you need for Kapitus?
Kapitus typically requires a credit score of 625+ (varies by product). By comparison, Alvara Capital has no minimum credit score requirement and evaluates applications based on business revenue and time in operation.
How fast does Kapitus fund?
Kapitus typically funds within As fast as 24–48 hours. Alvara Capital offers same-day approval with funding typically completed within 24 hours of acceptance.
How much can you borrow from Kapitus?
Kapitus offers funding amounts of $10,000 – $5,000,000+. Alvara Capital offers funding from $10,000 to $1,000,000 depending on revenue and business profile.
Ready to see what Alvara Capital can offer?
Apply in minutes. No minimum credit score required. Same-day approval. No impact on your personal credit to check your offer.