Applying won't affect your personal credit score (516) 260-6467 ·  Mon–Fri, 9 AM–6 PM EST
Beat My Offer Apply Now
Applying won't affect your personal credit score (516) 260-6467 ·  Mon–Fri, 9 AM–6 PM EST
Got a competing offer?We'll try to top it →

Your business deserves a funding hero.

Get up to $2,000,000 in working capital, approved in hours and funded as soon as the next business day. Seeing your options won't touch your personal credit.

Takes about 5 minutes. No hard credit pull to see your options.
Up to $2,000,000 No prepayment penalties BBB Accredited
$500M+funded to small businesses
6,000+businesses funded
6+ yearsserving businesses from Melville, NY
<24 hrsfrom approval to funding
Why owners call Kapital Hero

Funding that shows up when you need it

Answers in hours, not weeks

Apply online in minutes and get a real decision the same day in most cases.

Revenue matters more than your score

We look at how your business actually performs, not just a credit number.

Pay early, keep the savings

There are no prepayment penalties if you pay your balance off ahead of schedule.

One advisor, start to finish

A single funding advisor walks you through your offer and answers every question.

Know before you apply

See your numbers first, then decide.

Our funding calculator shows a likely range, payment and total payback based on your monthly revenue. It takes about a minute and asks for no personal information.

Sample estimate

Example
Average monthly revenue $60,000
Term12 months
PaymentsDaily
Likely funding range$48,000 – $93,000
Run my own numbers

Estimates are for planning only, not an offer to fund.
Ready now? Apply Now →

Beat My Offer

Holding an offer from someone else?

Send it to us before you sign. We'll work to improve it on at least two of three:

  • More money
  • A lower rate
  • More time to repay
Send Us Your Offer
Paperwork

Three documents. That's it.

No business plans, no tax returns to get started.

  • Last 4 months of business bank statements
  • Driver's license
  • Voided business check

You can add a tax return later if your file needs one.

Start My Application
How it works

From application to funded in three moves

1

Apply online

Share a few details about your business and connect your bank statements.

2

Review your offer

Your advisor explains the amount, payment and total cost so you can choose with confidence.

3

Get your funds

Sign electronically and receive the money in your business account, often within 24 hours.

Real-world examples

What a Kapital Hero offer can do

Illustrative scenarios based on the types of businesses we work with. Your offer depends on your revenue and history.

Auto repairExample

A repair shop adds a second lift bay

A busy shop is turning away cars every week. Working capital pays for a lift, tools and a new technician's first months.

Example: $60,000Equipment & hiring
Check my options
HealthcareExample

A medical practice bridges insurance delays

A clinic waits 45 to 90 days on insurance payments. Funding keeps payroll and supplies covered while claims clear.

Example: $180,000Payroll & supplies
Check my options
LandscapingExample

A landscaper gears up for spring

Before the busy season, a landscaping company needs new mowers and seasonal crew. Capital arrives before the first contract pays.

Example: $90,000Equipment & seasonal staff
Check my options

Scenarios are illustrative examples, not actual clients or guaranteed results.

Questions

What business owners ask us most

How fast can I get funded?

Most approved businesses receive funds within 24 hours of signing. Applying takes about five minutes.

Do I need good credit?

Credit is only one part of the picture. We focus on your monthly revenue, time in business and overall financial health.

How much can I get?

Up to $2,000,000, based mainly on your business's revenue. The calculator gives you a quick estimate.

Are there hidden fees?

No. Your offer shows the amount, payment and total cost before you sign, and there are no prepayment penalties.

Can I use the money for anything?

Yes, for any business purpose: payroll, inventory, equipment, marketing, renovations or paying off other debt.

What if I need more later?

Many clients qualify for additional funding after paying down part of their balance. Your advisor can walk you through options.

Ready when you are.

Apply online in minutes, or call a Kapital Hero advisor at (516) 260-6467.

When it comes to securing working capital for your business, you and your company mean more to us than just a FICO score.

BBB Accredited Business

Contact

(516) 260-6467 Mon–Fri, 9 AM–6 PM EST info@kapitalhero.com 560 Broadhollow Rd, STE 310
Melville, NY 11747