Payments

Payments
made easy

Fair pricing that is tailored to your business.

Select the appropriate program for your business or ask for a custom quote. Learn more about your options in the sections below.

The ticket price is automatically adjusted by Kapital Hub's software based on the customer's payment method.

Customers can pay with their credit cards and still earn reward points. Customers who pay in cash receive a discount.

Instead of paying 2.5% to 4% on every sale, you keep 100% of your revenue.

How It Compares

Other
Processors

Interchange+

Dual Pricing

Processor Fees

2.5% - 4% of Sales

2% - 2.5% of Sales

0%

Transaction Fee

$0.05 - $0.25

$0.05

$0

Batch Fee

$0.05 - $0.10

$0

$0

Monthly Fees

$5 - $10 per month

$0

$0

PCI Fee

$5 - $30 per month

$0

$0

Other Hidden Fees

$5 - $300 per month

No Hidden Fees

No Hidden Fees

7(a)

  • Up to $5m
  • In as fast as 45 days
  • Fixed interest rate as low as prime + 2.25%
  • Terms from 10 years to 25 years
  • Fees of 1.7%-2.25%
  • Monthly payments

WHAT YOU NEED TO KNOW

The SBA 7(a) Loan is the most popular SBA loan program mainly because of its flexibility and wide range of acceptable uses. For loans $25,000 and up, collateral will likely be required, and for loans $350,000 and up, the maximum available collateral will likely be required (personal assets can be used to supplement business collateral). While the standard 7(a) loan, which goes all the way up to $5 million, has relatively stringent credit requirements and sometimes takes up to 60 days to fund, the 7(a) small loan, which only goes up to $350,000, can be fast-tracked by the lender with somewhat relaxed requirements as long as the application passes the SBA pre-screen process. If it doesn’t pass the pre-screen process, the application will simply have to enter the standard 7(a) underwriting process.

Express

  • Up to $350,000
  • In as fast as 30 days
  • Fixed interest rate as low as prime + 4.5%
  • Terms from 7 years to 25 years
  • Fees vary based on lender
  • Monthly payments

WHAT YOU NEED TO KNOW

If you need quick cash, an SBA Express Loan might fit the bill. In many ways, they mirror the standard SBA 7(a) loan with regards to acceptable use of funds and funding requirements. The main difference between them is that while SBA Express loans usually have less favorable interest rates than 7(a) loans, their applications usually receive credit decisions within 36 hours and often fund after only 30 days, which is a considerably faster funding speed than 7(a) loans.

USES

  • Working capital (5 to 10-year term)
  • Line of credit (7-year term)
  • Commercial real estate (25-year term)

504

  • Up to $5m
  • In as fast as 60 days
  • Fixed interest rate as low as 5%
  • Terms from 10 years to 25 years
  • Fees of 3% of the loan amount
  • Monthly payments

WHAT YOU NEED TO KNOW

The SBA CDC/504 Loan is used to acquire fixed assets or improve existing assets (certain soft costs can be included as well) and has many benefits like 90% financing, no balloon payments, long amortizations (10 to 20 years), and low fixed interest rates (5%-6%). The SBA bank only provides 50% of the funding while an SBA-approved certified development company provides 40%, which means the borrower must have the ability to provide a 10% down payment. This program requires a 20% personal guarantee, a business tangible net worth of $15 million-plus as well as $5 million or less in average net income over the 2 years before the application. Much of the underwriting focuses on the project costs, and since the approval process involves two lenders, the bank and the CDC, instead of just one, funding usually takes longer than the SBA 7(a) and Express programs.

Interested in a custom quote?

Contact Sales

Process payments your way.

Accept payments instantly and securely, wherever you are. Here are a few options you have to start processing cards

terminals

terminals

terminals

terminals