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Kapitus' Recent Financing Success: A Game Changer for Small Businesses

Kapitus, a frontrunner in providing financing options for small and medium-sized enterprises, continues to demonstrate remarkable growth in an uncertain economic landscape. On July 22, 2025, the company announced the closing of a substantial $250 million asset-backed securitization (ABS). This innovative financing solution adds a significant resource to their operations and meets rising demand from small business owners seeking capital.

What the New Financing Means for Kapitus

The newly secured ABS facility features a three-year revolving period and has potential expandability up to $500 million. This financing was rated by Kroll Bond Rating Agency, LLC (KBRA) and was orchestrated with the expertise of Truist Securities, Inc., serving as the sole structuring agent and bookrunner for the deal. These strategic moves underscore the company’s commitment to catering to the financing needs of small businesses across the United States.

Alongside this achievement, Kapitus also upsized its corporate note to a notable $95 million. This expansion indicates a robust confidence in their business model, bolstered by the valuable collaboration with Brean Capital, LLC, which acted as their exclusive financial advisor for these transactions.

Building on Past Success

This latest financing round is part of a broader strategy that includes a robust history of successful transactions. Earlier this year, Kapitus closed a $165 million ABS transaction in January 2025, adding to a previous $160 million ABS transaction initiated in October 2024. Each of these placements received high ratings from KBRA, showcasing continuous trust in Kapitus's financial strategies. In December 2024, the company also augmented its warehouse line of credit from $122 million to $230 million, expanding its financial capacity under the guidance of Truist Bank.

Response from Leadership

CEO Andrew Reiser expressed his excitement about the announcement, stating, “As the demand for capital continues to grow for small business owners, this additional financing will enable us to continue serving the needs of small businesses nationwide.” The infusion of capital from these financing avenues is tailored towards elevating Kapitus’s operational flexibility and supporting subsequent growth initiatives.

Chief Financial Officer Anthony Rose added, “We are pleased to further strengthen our balance sheet with this recent round of financing. We appreciate the continued support from our institutional investors and their confidence in our business model.” Their strategy is focused on delivering accessible, customized financing solutions to a diverse clientele.

Committed to Small Business Success

Kapitus is dedicated to empowering small businesses through fast, effective financing options, particularly in today’s tight lending environment. They connect entrepreneurs to a wide range of financing products—term loans, revenue-based financing, SBA loans, equipment financing, and revolving lines of credit—all tailored to meet specific business needs.

Since its inception in 2006, Kapitus has connected over $7 billion in growth capital to nearly 65,000 small business owners. Their commitment to matching financing solutions with individual business profiles sets them apart in the financial landscape. Through their diverse marketplace, they ensure that entrepreneurs can access precisely what they require to foster and manage growth successfully.

To learn more about Kapitus and their offerings, visit Kapitus’s official website. Kapitus’s proactive approach not only improves their financial offerings but significantly contributes to the small business ecosystem in the U.S.

Through this series of financing advancements, Kapitus continues to stand as a resilient ally for small businesses striving for sustainability and growth, even amidst economic challenges.