Kapitus publishes a 625 minimum credit score
Kapitus answers the credit question in its own FAQ with an unambiguous number and a timestamped hedge: at this time, the minimum credit score requirement for its small business loans is six hundred and twenty-five. The at this time is doing real work, and it is the reason a record like this one re-reads the page rather than storing the answer.
What Kapitus publishes
| What | Figure | The lender's own words | Source |
|---|---|---|---|
| Minimum personal credit score | 625 credit score | "At this time, the minimum credit score requirement for our small business loans is 625" | Kapitus business loans FAQ checked September 2026 |
| Minimum time in business | Publishes no minimum; apply to find out (checked September 2026) | Kapitus business loans FAQ checked September 2026 |
Kapitus coverage, evidenced
Kapitus keeps its own live page for 1 of the borrowing products this record tracks. Each link below was fetched on the date shown and answered.
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Six hundred and twenty-five, in context
That figure sits at the top of the published range in this record, level with OnDeck and Bluevine and a hundred and twenty-five points above the floor. Kapitus publishes it for its small business loans specifically, and it also runs merchant cash advance and equipment products whose criteria are not published on the page checked. A borrower below six hundred and twenty-five should therefore treat the number as closing one door rather than the building.
What the FAQ says about the rest of the market
The same FAQ observes that alternative lenders generally have lower requirements for revenue, time in business and credit score than traditional banks do. That is a description of the market rather than of Kapitus, and this record does not quote it as a Kapitus criterion. It is a fair description all the same, and the published floors on this site bear it out.
Common questions
- What is the minimum credit score for a Kapitus loan?
- Kapitus publishes six hundred and twenty-five for its small business loans, in its own FAQ, with the qualifier at this time. The quote and the date it was read are in the record above.
- Does Kapitus publish revenue requirements?
- Not on the page checked here. Its revenue and time-in-business criteria are recorded as not published, which means the page was read and carries no such figure.