Is Libertas Funding or Kapitus better for large advances?

Both offer up to $5 million, but their ideal borrower looks different. Libertas Funding targets high-revenue businesses (roughly $150,000+ monthly revenue) and offers competitive estimated factor rates starting around 1.05 with same-day funding. Kapitus serves a broader range of established businesses ($250,000+ annual revenue) and adds a full product suite including SBA loans and equipment financing. If your monthly revenue is $150,000 or higher and you want the lowest MCA rate with fast funding, Libertas is the stronger choice. If you're in the $250,000–$1.5 million annual revenue range or need products beyond MCAs, Kapitus is more likely to approve you.

What are Libertas Funding and Kapitus factor rates?

Libertas Funding does not publish its rates; based on customer reports they are estimated at approximately 1.05 to 1.30, with the most competitive rates reserved for high-revenue, creditworthy borrowers. Kapitus factor rates run 1.10 to 1.50. On a $200,000 advance, a 1.25 factor means $250,000 total repayment; a 1.40 factor means $280,000. Always compare the total repayment amount — not just the starting factor rate — before signing. Rates are not publicly posted for either lender; you must apply for a personalized quote.

Does Libertas Funding offer a prepayment discount?

Yes. Libertas Funding offers an early-payoff discount of 10–25% on the remaining balance for qualified borrowers who repay ahead of schedule. This means a $200,000 advance at a 1.25 factor (total $250,000) could cost meaningfully less if your business revenue allows early repayment. The discount is not automatic — you must request it and terms depend on your specific contract. Verify the prepayment terms in writing before signing. Kapitus also permits early payoff but its discount terms vary by deal size and are less prominently featured.

How much can I borrow from Libertas Funding vs Kapitus?

Both offer advances from $50,000 to $5,000,000. The meaningful difference is who qualifies for the upper end. Libertas requires approximately $150,000 in monthly revenue ($1.8 million annually) for standard advances, making their $1M+ programs accessible only to high-revenue businesses. Kapitus's floor is $250,000 in annual revenue — a much broader aperture. In the $50,000–$500,000 range, Kapitus reaches more businesses. At $1M+ advance amounts, both lenders compete for the same high-revenue applicants.

Which lender funds faster — Libertas Funding or Kapitus?

Libertas Funding is faster. Qualified applicants can receive same-day approval and funding within 24 hours of signing. Kapitus typically approves within 24–72 hours and funds within 3–5 business days, with larger deals taking longer. If speed is a deciding factor — say, a time-sensitive inventory purchase — Libertas's same-day capability is a genuine advantage for borrowers who meet their revenue requirements.

Libertas Funding vs Kapitus: Which Large-Advance MCA Provider Is Right for You?

Libertas Funding and Kapitus both occupy the same corner of the MCA market: large advances, established businesses, and revenue-based repayment. Both can fund up to $5 million. Both require at least two years in business and a credit score in the 625–630+ range. On paper, they look interchangeable.

In practice, they target meaningfully different borrowers — and choosing the wrong one wastes time on an application you’re unlikely to win.

Libertas Funding is built for high-revenue businesses. Their model delivers competitive factor rates and same-day funding to companies generating $150,000 or more per month in revenue. Kapitus casts a wider net — $250,000 in annual revenue qualifies — and adds a full suite of financing products that Libertas does not offer: SBA loans, equipment financing, and term loans.

Here is what the comparison looks like when you put the real numbers side by side.

The Short Answer

Choose Libertas Funding if your monthly revenue is $150,000 or higher, you want same-day funding, and you’re likely to repay early (their 10–25% prepayment discount makes the effective cost competitive with any MCA on the market).
Choose Kapitus if your annual revenue is $250,000–$1.5 million, you need a product beyond an MCA (SBA loan, equipment financing), or Libertas’s higher revenue floor puts you out of range.

Side-by-Side Comparison

Feature	Libertas Funding	Kapitus
Advance range	$50,000 – $5,000,000	$50,000 – $5,000,000
Factor rate range	~1.05 – 1.30 (est.; not disclosed)	1.10 – 1.50
Min. credit score	630+	625–650+
Time in business	2+ years	2+ years (24 months)
Min. monthly revenue	~$150,000+	~$21,000+ ($250K/year)
Funding speed	Same-day possible	3–5 business days
Prepayment discount	10–25%	Terms vary by deal
Origination fee	1–3%	2–5% (larger advances)
Other products	Revenue-based financing	SBA loans, equipment financing, term loans, invoice factoring
Repayment frequency	Daily, weekly, bi-weekly, or monthly	Daily or weekly ACH
Best for	High-revenue businesses needing fast, large advances	Mid-to-large established businesses wanting a multi-product lender

Data sourced from provider directory and verified against publicly available lender information as of June 2026. Factor rates, fees, and requirements vary by applicant — confirm directly before applying.

Qualification Requirements

The revenue gap is the defining difference between these two lenders.

Kapitus requires $250,000 in annual revenue — roughly $21,000 per month. A brick-and-mortar service business, a mid-size restaurant group, or a growing e-commerce operation is a realistic candidate. Alongside revenue, Kapitus wants 24+ months in business and a 625–650+ personal credit score. They will pull 6–12 months of bank statements.

Libertas Funding requires approximately $150,000 in monthly revenue — that’s $1.8 million annually — for its merchant cash advance product specifically. This is a materially higher bar. A manufacturing company, a healthcare group, or a wholesale distributor clearing $2 million+ annually fits the Libertas profile. Their credit floor of 630+ FICO is nearly identical to Kapitus. In addition to revenue, they look for 2+ years in business and typically require 3–6 months of bank statements.

One nuance worth knowing: Libertas’s broader revenue-based financing programs can start lower — around $75,000 per month ($900,000 annually) — but its true MCA product, and the most competitive factor rates, are reserved for businesses clearing roughly $150,000/month. If you fall between $75,000 and $150,000 in monthly revenue, ask specifically which product you’re being quoted on, since the cost and structure differ.

The practical implication: businesses with $250,000–$1.5 million in annual revenue should start with Kapitus. Businesses above $1.8 million in annual revenue should get quotes from both — Libertas may offer a lower factor rate while still funding as fast as same-day.

Note: Libertas’s revenue floor can shift depending on advance size and deal structure. Their website does not publish minimums publicly. Always verify current requirements directly with their team before applying.

Cost and Factor Rates

Both lenders price advances using a factor rate — a fixed multiplier applied to the advance amount. On a $100,000 advance, a 1.25 factor means $125,000 total repayment. There is no amortizing interest and no monthly payment schedule; the factor is set at signing.

Libertas Funding does not publicly disclose its factor rates. Based on customer reports, they are estimated to run roughly 1.05–1.30, with the low end reserved for the strongest, highest-revenue applicants and most typical well-qualified deals landing in the 1.15–1.25 range. Because the rate is quoted only after application, treat any published figure as an estimate and confirm your own rate in writing. Origination fees run 1–3%, lower than Kapitus for standard deals.

The prepayment discount is Libertas’s most meaningful cost-reduction lever. If your business generates strong cash flow and you anticipate repaying early, a 10–25% discount on the remaining balance can substantially reduce the effective cost. On a $300,000 advance at 1.20 (total repayment $360,000), a 15% prepayment discount saves $54,000 — turning a 1.20 factor into an effective cost well below 1.10 if you repay in the first few months. The discount is not automatic and must be negotiated; get it in writing before signing.

Kapitus factor rates run 1.10 to 1.50, with a typical range of 1.15–1.40 for mid-range deals. Origination fees of 2–5% apply to larger advances — higher than Libertas’s range. On a $500,000 advance at 1.30 factor with a 3% origination fee: $650,000 repayment + $15,000 origination = $665,000 total cost. Kapitus does allow early repayment, but its prepayment terms are deal-specific and less prominently featured than Libertas’s published discount program.

Dollar comparison on $300,000:

Libertas at 1.20 factor + 2% origination: $360,000 repayment + $6,000 = $366,000 total cost
Kapitus at 1.30 factor + 3% origination: $390,000 repayment + $9,000 = $399,000 total cost

That $33,000 difference on a $300,000 advance is meaningful — but only accessible if you meet Libertas’s revenue requirements. Use the MCA cost calculator to run the exact numbers on your advance amount and estimated factor rate.

Funding Amounts

Both lenders offer advances from $50,000 to $5,000,000. The qualifying paths diverge significantly:

Under $250,000 annual revenue: Neither lender is a fit. Consider Fora Financial, Credibly, or National Funding for lower revenue thresholds.
$250,000–$1.8 million annual revenue: Kapitus is the realistic option. Libertas’s revenue floor likely disqualifies you.
$1.8 million+ annual revenue: Get quotes from both. Libertas may offer better rates while matching Kapitus’s funding ceiling.
Need more than $1.5 million: Both lenders can reach $5 million. Libertas may fund faster for qualified applicants.

Funding Speed

Libertas Funding is materially faster.

Qualified Libertas applicants can receive same-day approval and funding within 24 hours of signing. Their relationship manager model streamlines the process for businesses that clearly meet the revenue and credit criteria.

Kapitus typically approves within 24–72 hours and funds in 3–5 business days. For larger advances ($1M+), underwriting can take longer. Kapitus’s process is more deliberate by design — they’re building a multi-product lending relationship, not just processing a single transaction.

If you need capital by end of week for an urgent opportunity, Libertas’s same-day capability is a real advantage for borrowers who qualify. If the timing is flexible and you want the broader product relationship, Kapitus’s slightly longer timeline is a reasonable tradeoff.

Repayment Structure

Both use automatic ACH withdrawals as a holdback percentage of daily revenue — typically 10–20% of daily sales. Payments fluctuate with your revenue, so slower months produce lower withdrawals.

Libertas offers more repayment frequency flexibility: daily, weekly, bi-weekly, or monthly options are available for qualified borrowers. This flexibility benefits businesses with lumpy or seasonal revenue — a weekly or monthly remittance cycle means fewer individual transactions to manage.

Kapitus uses daily or weekly ACH withdrawals. Their product suite includes term loans and SBA loans with fixed monthly payments, so if predictable payment schedules matter to you, Kapitus can route you to a product with fixed amortization.

Additional Products

This is where the comparison becomes most lopsided.

Libertas Funding focuses on merchant cash advances and revenue-based financing (RBF). Their product set is deliberately narrow — one product done well at large scale. They offer no SBA loans, equipment financing, or factoring. If you need multiple financing products from one lender, Libertas is not that lender.

Kapitus offers a full financing stack:

Term loans: $50,000–$750,000, 6–36 months
Equipment financing: Up to 100% of equipment cost, 2–7 year terms
SBA loans: SBA 7(a), SBA Express, and SBA 504 programs ($500,000–$5,000,000, government-backed rates)
Invoice factoring: Based on commercial invoice value

For businesses that anticipate needing equipment financing next year or are building toward SBA eligibility, Kapitus’s ability to serve multiple capital needs from a single relationship is a genuine advantage. Libertas wins on rate and speed for the MCA itself; Kapitus wins on long-term lending relationship.

Who Each Lender Is Best For

Choose Libertas Funding if:

Monthly revenue is $150,000 or higher ($1.8M+ annually)
You want the lowest available factor rate on a large advance
You need funding within 24–48 hours
You plan to repay early and want the 10–25% prepayment discount
You need MCA or revenue-based financing only — no additional products
Your business is in healthcare, manufacturing, professional services, or wholesale/distribution

Choose Kapitus if:

Annual revenue is $250,000–$1.8 million
You need SBA loans, equipment financing, or term loans alongside your MCA
You’re comfortable with 3–5 business day funding timelines
You want a single lender for multiple financing products as your business grows
You’re in multi-location retail, distribution, or service businesses with $250K–$2M in revenue

The Bottom Line

Libertas Funding and Kapitus are both serious large-advance MCA lenders — but they serve different parts of the established-business market. Libertas earns its position with lower factor rates, same-day funding, and a meaningful prepayment discount for high-revenue businesses that clear their $150,000/month threshold. Kapitus earns its position by reaching a broader revenue tier and offering a product suite that Libertas simply doesn’t have.

If you qualify for both, the right move is to get a quote from each on the same advance amount and compare the total repayment figure and daily holdback rate — not just the factor rate. Neither lender charges for a quote.

If Libertas’s revenue requirements put you out of range, Kapitus is the natural next step. If you need a smaller advance or have less than two years in business, see our full MCA provider directory for options with lower thresholds like Credibly, National Funding, or Fora Financial.

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