If something isn't covered here, call us. We would rather explain it on the phone than leave you guessing. Our team picks up, no bots and no ticket queue.
General
What is KBK Capital?+
We are a U.S.-regulated capital advisory firm. We connect established businesses with structured funding through our network of U.S. banking institutions. We have operated since 2015 and have deployed over $500M to more than 500 businesses worldwide.
How are you regulated?+
We operate in full compliance with U.S. federal banking regulation. Every application passes a rigorous review that includes:
Anti-Money Laundering (AML) screening
Know Your Customer (KYC) verification
FATCA compliance checks
OFAC and international sanctions screening
What kinds of businesses do you work with?+
Businesses with a track record. You do not need to be a large corporation, but you do need to be an established operation with financial history we can review. We serve manufacturing, logistics, real estate, professional services, retail and more. If you are unsure whether you qualify, call us.
Funding programs
How much can I borrow?+
It depends on what the business needs:
Business Expansion: $500K to $3M
Strategic Capital: $3M to $10M
Institutional Partnership: $10M and above
Executive Capital: $2.5M to $50M+, bespoke structure
If you are unsure which tier fits, we can settle it in one conversation.
What are the rates?+
Final pricing is quoted per file after review, and whatever rate we agree at the start is the rate you pay for the life of the facility. We do not do variable rates, and every term is laid out clearly before you sign anything.
Do I need collateral?+
It depends on the program:
Express programs ($1M–$2.5M): no collateral required
Strategic programs ($3M–$10M): collateral typically required
Custom programs ($10M+): assessed case by case
Can I pay it off early?+
Yes, on every program. There are no prepayment penalties at KBK Capital. If the business is doing well and you want to clear the facility early, you pay it off and that is the end of it. No fees, no complications.
Application process
How do I apply?+
You open an account on our portal, enter your business information and upload your documents. About ten minutes if you have everything ready. Once we receive the file we review it and return a decision, typically within 24 to 48 hours.
What documents do I need?+
For most programs:
Business financial statements (last 2–3 years)
Tax returns for the business and principals
A brief description of intended use of funds
Corporate registration and formation documents
Photo ID for all beneficial owners
Bank statements (last 3–6 months)
If something specific comes up in review, we ask for it directly rather than handing you a long checklist upfront.
How long does funding take?+
A preliminary decision comes back within 24 to 48 hours of a complete application. Full approval and funding usually takes 3 to 7 business days. For express programs with documents in order, same-day funding is available.
Security & compliance
How is my information protected?+
All data is transmitted with 256-bit SSL encryption and stored in secure, encrypted systems behind multi-factor authentication. We do not share your information with third parties outside the compliance and banking processes required to handle your application.
What compliance checks run on my application?+
Every file goes through a full review: identity verification (KYC), AML screening, FATCA checks, and OFAC and international sanctions screening. It protects you and it protects us.
Account management
Who do I deal with once funded?+
One relationship manager handles your file from application through funding and beyond. No call centre, no being passed around. You also get a 24/7 account portal for statements, payments and history.