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AltCap

Listed
Revenue based funder for term loans and working capital loansNorth Kansas City, MissouriCalifornia, Kansas, Missouri, Nebraska and Texas, with California served through an affiliate.
BBLL 000495Listed Oct 2026From public recordsLast checked Oct 31, 2026
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About

AltCap offers business financing for underserved entrepreneurs, including startups, with a published microloan fee structure.

Revenue based funder. Advances capital repaid from a share of future sales.

This entry starts from public records. The lender fills in the rest when it claims the entry, which is free.

What they lend

Term loansWorking capital loansEquipment financingStartup funding
General small business
From the lender's own site and public records.

A second look at AltCap

AltCap offers business financing for underserved entrepreneurs, including startups, with a published microloan fee structure.

Nonprofit CDFI lender; its California affiliate participates in the broader service footprint.

Published by Levr, not by AltCap. This is a source-based profile and editorial assessment, not customer reviews or a promise of approval. Sources checked October 31, 2026.

Visit the official provider website →

Programs and published requirements

Compare the specific program and legal funding entity on your offer. Advertised limits and minimums do not guarantee eligibility or your price.

Microloans

Amount and term
$5,000–$50,000, with terms up to seven years.
Interest
Fixed rate based on prime plus 4–6 percentage points; obtain the current quote.
Fees
5% origination plus $15 monthly servicing; additional filing or recording charges may apply.
Early payoff
No early-payoff fee.
Application
Loan Readiness Quiz required before an application; businesses under 12 months provide a plan and projections.

Provider sources: Microloan terms

Lending eligibility

Coverage
AltCap and AltCap California serve California, Kansas, Missouri, Nebraska and Texas.
Stage
Startups and established businesses considered.
Security
Collateral depends on product, amount and credit profile; business-asset liens may apply.

Provider sources: Frequently asked questions

When it may fit

Our assessment of the published programs

  • Entrepreneurs in the service area who need a smaller loan and help preparing financial information.

What to weigh carefully

  • A fixed interest rate is not an APR including fees.
  • Existing debt is assessed for repayment capacity and available collateral; startup eligibility does not guarantee approval.

Questions before you accept an offer

  1. Which lending entity and program serve my address?
  2. What is my APR including origination and monthly fees, and what guarantees are required?

Ask for written terms. Compare net cash received, total repayment, fees, payment timing and early-payoff costs for the same financing need.

Prepare your comparison

Use the same questions and figures for each offer you receive.

Alternatives to research

These are options for a related financing need, not a ranking or a claim of equivalent eligibility or pricing.

OnDeck

Compare an online term loan if operating history supports it.

Fundbox

Compare a revolving line if repeat working-capital draws are more useful.

The lender

Type
Revenue based funder
Legal name
Not yet provided Add it
Founded
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Charter
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Headquarters
North Kansas City, Missouri
Service area
California, Kansas, Missouri, Nebraska and Texas, with California served through an affiliate.
Meets in person
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Languages
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Program approvals
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Also lends to consumers
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Website
altcap.org
LinkedIn
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Loan officers at this lender

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