Capcito Review
Overall Rating: 4.8
Loans From
1000 € – 1500000 €
Interest Rates
1% – 10.38%
Repayment Period
1YR – 4YR
Overview
Capcito is a dynamic financier specializing in company loans, offering tailored financial solutions to businesses. Their innovative approach integrates advanced technology to deliver flexible funding options that adapt to the evolving needs of companies. Capcito's services are designed to be straightforward and transparent, ensuring businesses can access necessary funds without the burden of hidden fees or complex terms.
Services and Loans Offered
Invoice Financing
Capcito's invoice financing allows businesses to use their invoices as collateral to secure a line of credit. This service is particularly beneficial for companies seeking continuous liquidity. Businesses can borrow as needed, with the credit limit adjusting based on sales. The key advantages include minimal administration and no hidden fees.
- Flexible credit based on invoices
- Continuous funding aligned with sales
- Pay only for the credit used
Business Loans
Capcito offers straightforward business loans with terms up to 48 months. These loans are designed to be hassle-free, with no hidden fees and flexible repayment options. Businesses can adjust the loan amount and term as needed, making it a highly adaptable funding solution.
- Immediate access to funds
- Adjustable loan terms
- No hidden fees
Invoice Purchase
With Capcito's invoice purchase service, businesses can sell one or multiple invoices and receive up to 99% of the invoice value instantly. This service reduces the administrative burden by handling the dispatch and reminders, while also minimizing the company's credit risk.
- Receive up to 99% of invoice value immediately
- Capcito manages dispatch and reminders
- Eliminates credit risk
Customer Service
Capcito prides itself on offering exceptional customer service. Their team of experts is readily available to discuss and tailor financial solutions to meet the specific needs of each business. Customers can expect personalized advice and support, ensuring they select the best financing option for their circumstances. Capcito combines technological innovation with a human touch, creating a supportive and efficient customer service experience.
Overall Assessment
Capcito stands out in the financier sector due to its innovative approach and customer-centric services. By leveraging technology to offer real-time analysis and tailored financial solutions, Capcito provides businesses with flexible, transparent, and efficient funding options. Their range of services, including invoice financing, business loans, and invoice purchase, caters to various business needs, ensuring companies can maintain liquidity and manage cash flow effectively. The commitment to transparent pricing and excellent customer service further enhances Capcito's reputation as a reliable partner for business financing.
Capcito Advantages
Flexible financing options tailored to individual business needs and cash flow.
Transparent pricing with no hidden fees or unexpected costs.
Quick access to funds, enhancing liquidity and operational efficiency.
Capcito Disadvantages
Limited to businesses, not available for individual or personal loans.
Dependence on invoicing; may not suit all business models.
Interest rates can vary, potentially higher for smaller businesses.
Alternative Banking Solutions
Frequently Asked Questions
Capcito's services are designed for small to medium-sized businesses that require flexible financing solutions. Companies with a regular invoicing system can particularly benefit from their invoice financing and purchase options. Businesses looking for straightforward, no-hidden-fee loans to support growth or manage cash flow will also find Capcito’s offerings advantageous.
Once approved, businesses can access funds almost immediately. For invoice financing and purchase, the process can be completed within hours, ensuring rapid liquidity. Business loans might take a bit longer, typically a few days, depending on the specific requirements and approval process.
Invoice financing allows businesses to use their outstanding invoices as collateral to secure credit. With Capcito, businesses submit their invoices, and Capcito provides a credit line based on the invoice value. This helps maintain cash flow and ensures continuous access to working capital, aligned with sales performance.
No, Capcito is committed to transparency and does not charge hidden fees. All costs are clearly outlined upfront, allowing businesses to understand exactly what they are paying for. This straightforward approach helps businesses manage their finances without worrying about unexpected charges.
Yes, Capcito offers flexible loan terms that can be adjusted to meet the specific needs of your business. You can choose the loan amount and repayment period that best suits your financial situation, ensuring a customized and manageable financing solution.
Capcito employs advanced security measures to protect your financial information. They use encrypted connections and adhere to stringent data protection regulations to ensure your data remains secure and confidential. Capcito’s commitment to security provides businesses with peace of mind when using their financial services.