Kaiba Capital
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Kaiba Capital Corp // Commercial Finance

Your bank said no.We never asked them.

Equipment or working capital. One page and three months of business bank statements is the whole file, and complete applications get a decision the same business day.

Start Application

Checking the desk…

500
Minimum FICO
3 Months
Minimum Time In Business
Same Day
Underwriting Decision
24–48 Hrs
From Signing To Funded
01 // Deal Builder

Build your file and see where it lands.

Set these to match your business. The panel updates as you go, and every rule behind it is one underwriting actually reads.

A self-check against our published criteria. Not an approval and not an offer of credit. Real terms come from underwriting in writing.

Start Application Three steps · Same-day decision
02 // Capital Programs

Two programs. Both built for damaged credit.

Program A

Equipment Finance

Trucks, trailers, excavators, machine tools, medical and dental, restaurant build-outs, shop equipment. New or used, from a dealer or a private seller. Your credit score is not what decides this one. Your deposits are. We look at the money moving through your account and ask whether it covers the machine, and on a tough file that means putting 10% to 50% down. It is written as a lease: you make the payments, then buy the equipment outright at the end for 10% of the cost.

Amount
$5,000 to $150,000
Term
18 to 60 months
Down payment
10% to 50%
Credit score
No set minimum
What decides it
Your bank deposits
You own it
At the end, for 10% of cost
Money goes to
The dealer or seller
Program B

Working Capital

Cash against the deposits you are already making. Payroll, inventory, materials, a job you need to float, or paying off something that costs you more. We approve on the money moving through your account, not on a credit file you already know is ugly. No financials, no money down, nothing pledged as collateral. Three months of statements is the whole file. Once you have paid off half of it you can take more: what you still owe rolls into a bigger advance, and the difference comes to you in cash.

Amount
$5,000 to $500,000
Payback period
3 to 12 months
Payments
Daily or weekly, automatic
Money down
None
In your account
24 to 48 hours after signing
Get more funding
Once half is paid off
03 // Worked Example, $30,000

The same $30,000, two ways

$14,234
more total dollars, on the SBA loan
  SBA 7(a) Loan Kaiba Working Capital
Amount financed$30,000$30,000
Cost of the capital$24,734$10,500
Total repaid$54,734$40,500
Time outstanding120 months9 months
What you pay monthly$452$4,500

Assumptions, so you can check us. SBA 7(a) at 13.25%, which is the current maximum for loans of $50,000 or less at a 6.75% prime rate, amortized over ten years, plus a 2% guarantee fee on the guaranteed portion. Kaiba at a 1.35 factor over nine months. Illustrative only, not an offer, and your actual numbers come from underwriting in writing.

Sixty seconds · No credit pull
04 // Straight Answers

Questions we get asked before people trust us.

What if my credit is under 500?
On working capital, no: 500 is the one line we do not move, and you will hear that in the first minute rather than the third week. Equipment has no minimum score, so a low number alone does not end that conversation — but your deposits still have to carry 40% to 85% of the machine cost.
Do you pull personal credit, and is a guarantee required?
Yes to both, on nearly every program. We say it now because finding it out at signing is how people end up hating their lender.
What are the bank statement requirements?
Three most recent months from a business account, all pages, matching the name on the application. California needs four. Underwriting wants at least $4,000 in average monthly deposits, no more than 10 days a month with the balance below zero, and no more than 10 bounced payments.
What happens after I submit?
A real person reads your file the same business day, and if something is missing we call you instead of declining you. Then you sign and the money moves: working capital lands in your account in 24 to 48 hours, and equipment funds against the vendor invoice, usually one to three business days. The whole file is the application plus your last three months of business bank statements. There is no fee to apply, ever.
What about a bankruptcy or a tax lien?
A discharged bankruptcy is reviewed case by case; a dismissed one can work on exception. A current, undischarged bankruptcy is an automatic decline. Tax liens need a documented payment plan, and anything above $25,000 is a real obstacle on equipment. Late child support is an automatic decline.
Is there anything you will not fund?
Yes. We do not fund financial institutions or lenders, auto sales and dealerships, law practices, oil and gas, owner-operators and one-man shops, cannabis, firearms and ammunition dealers, adult entertainment, gambling, crypto trading, debt collection, or money services. On equipment specifically: nothing that floats or flies, no over-the-road sleeper cabs, no software, no medical equipment for non-physicians, and nothing more than 20 years old. Equipment financing is unavailable in Alaska and Hawaii.
05 // On The Record

Hear from our customers.

“I had a great experience working with Kaiba Capital. The process was smooth, efficient, and transparent from start to finish. Their team was professional, responsive, and truly committed to helping me secure the funding I needed to support my business goals.”
Frank Rodriguez
06 // Submission

Submit your file.

Three steps. No fee, no obligation. Complete files get a decision the same business day.

Required To Submit

Three months of business bank statements. The application will not submit without them. For working capital that is the entire file, which is why we are able to say yes to non-traditional credits. Equipment is the same file, plus a credit report on each owner.

  1. 01Business
  2. 02Ownership
  3. 03Documents

Required by our funding sources. It shows in the statements either way.

Kaiba Capital Corp

Somebody has to fund the hard ones.

A damaged credit file is not the same thing as a bad business. If the deposits are real and the score is not, that is the file we were built to read, and a complete application gets an answer the same business day.

Start Application