At a Glance
Rating Breakdown
Performance Overview
Scores out of 5, based on our editorial analysis
About Capytal.com
Capytal.com is a pure-play funding marketplace — they do not fund any deals directly. Every dollar that reaches your bank account comes from a third-party funder in Capytal's network. This makes them functionally similar to United Capital Source (a broker) but with a key difference: Capytal positions itself as a technology platform rather than a traditional brokerage, with a heavier emphasis on automated matching and less reliance on individual funding advisors. The marketplace model generates competing offers from multiple funders simultaneously, and the competition typically drives rates 5-12 basis points below what you would find by applying to a single funder directly. With $500M+ placed since 2017, Capytal is smaller than UCS but growing rapidly in the South Florida MCA ecosystem. Capytal's pre-qualification process uses a soft credit pull that does not affect your credit score, which allows you to see indicative offers before committing. A hard pull occurs only after you select a specific funder and move forward with their underwriting. This is a meaningful advantage over applying directly to multiple MCA providers, where each application may trigger a hard inquiry. The marketplace presents offers with standardized formatting — factor rate, total repayment, payment schedule, and estimated APR — making comparison straightforward. Your assigned funding specialist provides context and recommendations but does not pressure you toward a specific funder, because Capytal's commission is consistent regardless of which partner you select. Capytal is the right choice for business owners who want to comparison-shop without the manual effort of applying to multiple funders individually, and who value the soft-pull pre-qualification that protects their credit score during the shopping process. The limitations mirror those of all broker models: Capytal does not control the final funder's underwriting, timeline, or post-funding service. If you know exactly which funder you want and need same-day speed, applying directly is faster. If you are unsure which product or funder is best, Capytal's marketplace can surface options you would not find on your own.
Key Features
Multi-Lender Marketplace
Capytal submits your application to their network of 30+ vetted funders simultaneously, generating 2-6 competing offers on a typical deal. The competition among funders matters: when multiple providers bid on the same deal, the market dynamic drives factor rates down 5-12 basis points versus what any single funder would offer in isolation. A business that would receive a 1.30 factor rate from a direct application to Yellowstone might see 1.22-1.28 offers through Capytal's competitive process.
Diverse Product Selection
Capytal's network includes pure MCA funders, term lenders, SBA-preferred lenders, equipment financing specialists, line-of-credit providers, and invoice factoring companies. This breadth matters because many business owners apply for an MCA when they actually qualify for a cheaper product. A 680-FICO business with 3 years of history might get routed to a term loan at 12% APR instead of an MCA at a 1.25 factor rate — saving thousands in cost of capital that a single-product provider would never surface.
Dedicated Funding Specialist
Each applicant is paired with a named funding specialist who presents all offers in standardized format (factor rate, total repayment, daily/weekly payment, estimated APR, and UCC/guarantee requirements), enabling genuine apples-to-apples comparison. Unlike brokers who may steer you toward the offer with the highest broker commission, Capytal's specialists earn the same commission regardless of which funder you select, reducing the incentive misalignment that plagues traditional MCA brokerage.
Pre-Qualification Without Hard Pull
Capytal's initial pre-qualification uses a soft credit inquiry that does not appear on your credit report or affect your score. This means you can see indicative offers — including approximate factor rates and advance amounts — before any funder runs a hard pull. A hard credit inquiry occurs only after you select a specific offer and the chosen funder begins formal underwriting. This protects your credit score during the shopping process, which is a significant advantage over applying directly to 3-4 funders who might each run a separate hard pull.
How It Works
Single Application
Complete one application on Capytal.com with your business details, revenue information, and funding needs.
Marketplace Matching
Capytal submits your profile to their network of lenders and funders, generating multiple competing offers.
Compare Offers
Your funding specialist presents all available offers and helps you compare factor rates, terms, and total costs.
Choose & Fund
Select the best offer, complete the funder's requirements, and receive your capital — often within 24-48 hours.
What They Do
- Merchant Cash Advance
- Term Loans
- SBA Loans
- Line of Credit
- Equipment Financing
- Invoice Factoring
Debt Types They Take On
- Merchant Cash Advance
- Short-Term Loan
- Line of Credit
- SBA Loan
- Equipment Financing
Fee & Cost Structure
Regulatory & Trust
Review Summary
Notable Case Studies
Landscaping Company — 4 Competing Offers, $20K Saved
A landscaping company in Palm Beach County doing \$55K/month needed \$100,000 for 2 commercial mowers, a trailer, and seasonal crew hiring. The owner had received a direct offer from a single MCA funder at a 1.42 factor rate (\$142,000 total repayment). Unsure if this was competitive, he submitted through Capytal.
Auto Body Shop — Redirected from MCA to Equipment Financing
An auto body shop owner in Orlando doing \$42K/month applied through Capytal requesting a \$75,000 MCA for a new paint booth and frame straightener. He had a 640 FICO and 3 years in business. Multiple MCA offers came back at 1.24-1.32 factor rates.
Pros & Cons
Pros
- Soft-pull pre-qualification protects your credit score during the shopping process — hard pulls occur only after you select a specific funder
- Multiple competing offers from a single application typically drive rates 5-12 basis points below individual funder quotes
- Access to diverse product types (MCA, SBA, term loans, equipment financing) means you may discover cheaper alternatives to the MCA you initially requested
- Standardized offer presentation with factor rate, total repayment, and estimated APR makes comparison straightforward for non-financial business owners
- No additional cost to the borrower — Capytal earns commissions from the funders, not from you
Cons
- Not a direct funder — zero control over the selected funder's underwriting timeline, post-funding service, or hardship policies
- Newer company (2017) with \$500M+ placed is smaller than UCS or Greenbox, meaning a potentially less extensive funder network
- The marketplace process adds 1-3 business days versus the same-day speed of applying directly to OnDeck or Fora Financial
- Fewer than 1,000 total reviews across platforms provides less customer feedback data than competitors with 3,000-12,000 reviews
User Reviews (20)
eh
It's fine. Got $100K at 1.15. Did what they said. Not sure I'd use them again though.
good enough
Worked out fine. $40K at 1.38. Nothing special but nothing bad either.
worked out great
I run a auto body shop and we needed freezer replacement money fast. Capytal.com delivered. $45,000 at 1.21.
frustrating
They said funding in 24 hours but it took 4 days. Contract had fees I wasn't told about. $35K for my smoke shop.
whatever
Factor rate 1.09 could've been lower for my revenue but whatever. Got the money I needed.
mixed feelings
Middle of the road. $60K for my smoke shop. Daily payments were rough during slow weeks and they offered zero flexibility.
finally someone who delivers
Applied Monday got funded Wednesday. $12K for security cameras. Fatima answered all my questions. Factor rate 1.28 isn't cheap but it's fair for the speed.
absolute nightmare
STAY AWAY from Capytal.com. Factor rate 1.13 on $200K works out to like what, 80% APR? 100%?? Somebody regulate these people. My martial arts school is barely surviving BECAUSE of this advance.
buyer beware
Capytal.com makes it sound easy but paying back $100K at 1.14 is not painless. My construction company can barely keep up.
think twice
wouldn't go back
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Important Merchant Cash Advance Disclaimers
- Merchant cash advances are not loans. They are purchases of future receivables at a discount. Factor rates, not APRs, determine the total cost of capital. Effective APRs on merchant cash advances can range from 40% to over 350% depending on the factor rate and repayment speed.
- Repayment is typically made through daily or weekly automatic ACH debits from your business bank account. Missing or reversing these payments may trigger default provisions including accelerated repayment, increased factor rates, or legal action.
- Many MCA agreements include a personal guarantee and/or a confession of judgment (COJ). A confession of judgment allows the funder to obtain a court judgment against you without prior notice or a hearing. Some states have restricted or banned confessions of judgment.
- MCA funding may require a UCC-1 filing (blanket lien) on your business assets. This lien can affect your ability to obtain other financing and may remain on file even after the advance is repaid. Confirm lien release procedures before signing.
- There is no federal regulation specifically governing merchant cash advances. MCAs are not subject to Truth in Lending Act (TILA) disclosure requirements. Some states have enacted disclosure laws, but protections vary significantly by jurisdiction.
- Stacking multiple merchant cash advances simultaneously increases your risk of default and can create a debt cycle that is difficult to escape. Carefully evaluate your business cash flow before taking on additional advances.
- Zogby does not provide merchant cash advances or business funding. We are an independent comparison service. We do not broker, originate, or service any financial products. All offers are subject to the funder's terms and conditions.
This page is informational, not financial or legal advice. Talk to a qualified professional before making any big money decisions.
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We make money from some companies on this page. That doesn't change our rankings -- the editorial team scores every product independently, and the business side has no say in what we recommend.