Capcito was founded in 2015 and has already helped thousands of business owners get access to fair financing.

1 000 000 000 +

7 700

734 837

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Put your invoices to work and get an open line of credit that continually adapts to your sales. The more you sell, the more you can borrow. No hidden fees or lock-ins.

Flexible business line of credit, also called invocie discounting, is the most flexible way to finance your business, using your invoices as security. A business line of credit adapts to your current sales in real-time and you only pay when you actually borrow.

* You only pay when using your credit
* No yearly fees
* To borrow with your accounts receivables as collateral you'll need to include Capcito's pledge text on your invoices
* A personal guarantee is required

Getting your personalized offer takes a minute. Simply answer a few quick questions about your business and let us analyze your sales. We’ll then get back with a great offer, regardless of whether you need cash today or a line of credit for the future.

Click [here](https://capcito.monto.ai/auth/sign-up) to get started with Invoice discounting. Your offer is not binding.

How do I get an offer?

The traditional overdraft credit is based on historic data, rather than real-time information. With Invoice discounting, your line of credit is updated each and every day, without having to renegotiate.

Furthermore, Invoice discounting comes without yearly fees and limits. It’s basically the best of two worlds.

What's the difference between a normal overdraft credit and Invoice discounting?

You’ll find your own interest rate by signing in at [capcito.com.](https://capcito.monto.ai/auth/sign-up)

Where can we see our interest rate?

Getting started is easy. Just head to our website or click [here. ](https://capcito.monto.ai/auth/sign-up)You’ll be done in minutes.

How do we apply?

Common questions about Invoice discounting

Put your invoices to work and get an open credit line that continually adapts to your sales. Borrow now and then or all the time, you only pay for what you use.

* Open line of credit
* Combine with business loan
* Minimal administration
* No hidden fees

Our business loans come without hidden fees and confusing terms. You decide how much and for how long and we'll take care of the rest.

* Get paid right away
* Pay us back whenever you want
* Personal guarantee
* No hidden fees

Sell one or more invoices and get paid up to 99% of their value right away. Avoid the hassle of waiting to get paid and sending reminders whilst minimizing your credit risk.

* Get paid right away
* We take over sendouts and reminders
* Sell one or several invoices
* No hidden fees

Business Overdraft

How does a business line of credit work?

What are the terms?

Common questions about Invoice discounting

Three ways of financing your business

Invoice discounting

Business Loan

Factoring

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