Small Business Loans
of 2026
Applying won’t affect credit score
- Loan Amounts: $5,000 to $250,000
- Average Yearly Revenue requirements: $100,000
- Minimum Credit Score: 625 FICO
- Minimum Time in Business to apply: 1 year
OneTeam Capital Small Business Loans (Kapitus) Review
Loan Options
OneTeam Capital offers three core products:
| Product | Amount | Terms | Repayment |
|---|---|---|---|
| Small Business Term Loan | Up to $250,000 | 12–48 months | Bi-weekly or monthly |
| Business Line of Credit | Up to $250,000 | 12–36 months | Bi-weekly or monthly |
| Short-Term Working Capital | Up to $1,000,000 | 3–24 months | Daily or bi-weekly |
Term loans are fully amortizing with fixed payments, and most loans are repaid twice per month, with monthly options available. All products advertise no prepayment penalties (and prepayment discounts on working capital), plus same-day funding availability.
Fees & Rates
- Term loans: rates starting at 10.99% APR — notable because OneTeam uses transparent APR-based pricing rather than factor rates.
- Line of credit: rates starting at ~1.2% per month.
- Fees: advertised as "free to apply and no hidden fees," with no early-payment penalties of any kind — early payoff typically requires only the outstanding principal balance.
The use of APR pricing makes OneTeam easier to compare against bank loans than factor-rate lenders, though final rates vary by state and lender risk assessment.
Application Requirements
- Credit score: 660 minimum (700+ preferred; the term-loan page lists 680+)
- Time in business: 2+ years
- Annual revenue: $200,000+ in gross revenue (term loan page cites $20,000+ in monthly deposits)
- Credit history: Established commercial credit with 12+ months of clean payment history preferred; no bankruptcies or foreclosures in the past two years
Documents needed: business tax ID, SSN, estimated annual gross revenue, average bank balance, and typically 3 recent bank statements with a signed application. Decisions come within 24 hours, and the full process can be as short as 2 business days, with electronic funding the next day.
Reputation & Customer Support
OneTeam Capital holds an A/A+ BBB rating and emphasizes a consultative, transparent approach. Support is available by:
- Phone: (201) 422-5990
- Email: support@gulaly.com
- Fax: (201) 514-1464
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Applying won’t affect credit score
- Loan Amounts: $5,000 to $250,000
- Average Yearly Revenue requirements: $100,000
- Minimum Credit Score: 625 FICO
- Minimum Time in Business to apply: 1 year