Baseline Requirements
| Requirement | Detail |
|---|---|
| Age | At least 18, or the age of majority in your state |
| Residency | United States resident with valid government-issued ID |
| Income | Regular, verifiable income from employment, self-employment or benefits |
| Bank account | Active checking account in your own name |
| Contact | Working phone number and email address |
| Credit | No universal minimum; partners underwrite across a wide band |
| Credit file access | No security freeze in place at the time of the Kapitus funding request |
What Partners Verify
- Identity — against your ID details and credit file data.
- Income — the figure stated and whether it recurs.
- Employment — that the employer exists and the role is current.
- Bank ownership — either through a secure connection or small trial deposits.
- Affordability — debt-to-income including the proposed new payment.
Self-Employed and Irregular Income
Neither disqualifies you. Both require better documentation.
State a conservative monthly figure — twelve months of income divided by twelve, not your best month. Have twelve months of bank statements accessible, a filed tax return if you have one, and platform earnings summaries if you work through one. Deposits landing in a bank account are the evidence underwriters can actually use.
If You Fall Short
| Obstacle | Typical fix | Timeframe |
|---|---|---|
| Credit freeze in place | Lift it before submitting | Minutes |
| Errors on your credit file | Dispute with the bureau | About 30 days |
| High utilisation | Pay down before the statement closes | 1–2 cycles |
| Debt-to-income too high | Clear a small balance entirely | 1–3 months |
| Income not verifiable | Deposit income to a bank account consistently | 3 months |
| Very recent late payment | Accumulate clean months | 3–6 months |
What does not help is applying repeatedly in the following days. That stacks hard inquiries and makes the next attempt harder.
Why There Is No Minimum Credit Score
People frequently ask what score they need, and the honest answer is that no single figure exists. Partners in the network underwrite across a wide band, and several weight income stability, time at employer and debt-to-income ratio more heavily than score alone.
A borrower with a modest score and two years at the same employer, low utilisation and a clean recent record may well receive better offers than someone with a higher score, a recent late payment and cards near their limits. Scores compress a great deal of information into one number, and underwriters look at the components as well as the total.
What is true is that stronger files receive better pricing. Weaker files that do receive offers generally see higher rates or smaller amounts, and some requests receive no offer at all. All of that is free to find out.
Documents Worth Having Ready
| Document | Why it helps |
|---|---|
| Government-issued photo ID | Identity verification; details must match exactly |
| Recent pay records | Fastest route to income verification for employees |
| Twelve months of bank statements | The evidence underwriters use for irregular income |
| Most recent filed tax return | Resolves most self-employment questions in one document |
| Platform earnings summaries | Documents gig and contract income |
| A bank statement showing routing and account numbers | Prevents the single most common funding delay |
Sending requested documents the same day is the largest factor within your control once a request is under way. Partners work through queues, and a file waiting on a document goes to the back of it.
Accuracy Matters More Than Optimism
Enter income as the field asks — gross where gross is requested, net where net is. Overstating is substantially worse than understating, because verification will find the discrepancy and the request will either stall or be declined outright.
Use the legal version of your name, the address on your ID and credit file, and account numbers taken from a statement. Mismatches trigger manual review, and manual review is where days disappear. None of the questions on the form is a trap; answering them consistently with what your file already shows is the whole technique.
Why Kapitus Cannot Pre-Qualify You
Comparison services sometimes present an eligibility checker that implies a decision. Kapitus Fundings does not, because it would be theatre — no underwriting happens on this side, so any indication given here would be a guess dressed as an assessment.
The baseline above is the floor across the Kapitus partner network rather than a threshold for approval. Clearing it means a Kapitus funding request will reach partners who can evaluate you. Falling short of it means most will not quote at all.
The genuinely useful step, where the need is not urgent, is spending one or two statement cycles on the items in the table above. Lifting a freeze, disputing an error and reducing reported utilisation are free, fast, and change the offers a Kapitus Funding loan request produces more than any amount of shopping afterwards.
Meeting everything above still guarantees nothing, because Kapitus makes no credit decisions. What it does mean is that a Kapitus funding request will reach Kapitus partners able to assess you rather than being declined at the threshold. Where the answer today would be no, one or two statement cycles of the work in the table changes what a Kapitus loan request produces more than any amount of resubmitting does.