Kapitus
“Can a direct SMB lender become the full financial services access layer for small businesses by layering insurance, credit monitoring, and marketplace lending on top of its core loan product?”
Founded in 2006 as Strategic Funding Source, Inc., Kapitus began as an alternative lender focused on merchant cash advances and revenue-based financing for small businesses. Over time it expanded its product suite and rebranded as Kapitus, evolving into a dual model: a direct lender and a lending marketplace (KapitusPLUS) that surfaces multiple third-party offers through a single application. The company has more recently layered in adjacent financial services — most notably embedded insurance via Coverdash and a credit-monitoring partnership with Experian — positioning itself as a broader financial services access point for SMBs rather than a single-product lender.