Kapitus Alternative · 2026

The Best Kapitus Alternative for Contractors

Looking beyond Kapitus? Here's how Funded Contractor Capital compares for contractors.

Short answer: Kapitus offers small-business financing including revenue-based funding and loans. Contractors that want faster funding, more product options, or approval with lower credit compare alternatives. Funded Contractor Capital offers up to $5,000,000 across working capital, equipment, lines of credit, and revenue-based funding, accepts FICO 500+, and funds in 24 hours.

Funded Contractor Capital vs Kapitus

Independent comparison based on publicly available information as of 2026; figures vary by underwriting.

Criteria	Funded Contractor Capital	Kapitus
Maximum funding	Up to $5,000,000	Varies
Products	WC, equipment, LOC, RBF	Financing options
Credit	FICO 500+	Varies
Speed	24 hours	Fast

Why contractors choose us

Underwritten on deposits, not the contract
FICO 500+ accepted; approval on revenue
Funds in as little as 24 hours
Multiple products for contractors
Fixed payments OR revenue-share
No tax returns — 3 months of bank statements

What you need to apply

US-based contracting business
6+ months in business
~$30,000+ in monthly revenue
Last 3 months of bank statements
Valid EIN and business bank account

Frequently asked questions

Why compare a Kapitus alternative?

Contractors often want contractor-specific underwriting and to compare the lowest-cost option before signing.

How fast can I get funded?

Most contractors fund within 24 hours of approval; smaller amounts can fund the same day. The application takes about 5 minutes with a soft credit pull.

Do I need good credit?

No — FICO 500+ can qualify because approval is weighted toward revenue and bank-deposit consistency.

Get more than Kapitus offers

Apply in 5 minutes with a soft credit pull.

Apply Now →

This is an independent comparison based on publicly available information about Kapitus as of 2026; features and terms may have changed. Funded Contractor Capital is not affiliated with or endorsed by Kapitus. Product and company names referenced are the property of their respective owners. Funded Contractor Capital terms are set at application.