Of 60 answers

The most named companies in the study, and S&P 500 financials, with how many of their 60 AI answers named them.

SWIFT47/60TRANSUNION46/60EXPERIAN42/60COINSTAR41/60NAVY FEDERAL CREDIT UNION41/60ZELLE41/60BLOOMBERG L.P.38/60TRADINGVIEW38/60BANCO POPULAR DE PUERTO RICO37/60PAYPAL37/60VENMO37/60CHEXSYSTEMS33/60EQUIFAX33/60MORNINGSTAR32/60S&P GLOBAL31/60ALPACA MARKETS30/60COINBASE30/60PINWHEEL29/60STRIPE29/60XERO29/60ACORNS28/60AFFIRM28/60PAYFAST (PAYGATE)28/60PAYONEER28/60INTERACTIVE BROKERS26/60CHARLES SCHWAB19/60THE HARTFORD9/60MOODY'S21/60CME GROUP19/60ACCENTURE11/60CHUBB10/60MORGAN STANLEY6/60AMERICAN EXPRESS14/60SYNCHRONY FINANCIAL12/60FACTSET20/60NASDAQ19/60ALLSTATE11/60WELLS FARGO18/60PAYCHEX10/60ARES MANAGEMENT3/60
Rezolve Ai
MethodDemo
Back to the study
AI visibility statementFinance AI Visibility Study 2026Issued October 14, 2026
Account holder

Kapitus

kapitus.com

Small business banking and lendingBanking

Money20/20 attendee

Statement period
October 9, 2026
when the AI assistants were asked
Account no.
962 of 2,219
its rank by overall score
Place in its category
20th of 38 small business banking providers
Closing balance

Named in

1of 60 answers

by 1 of 4 assistants

Statement note

What this means for Kapitus

AI assistants rarely name this small business banking provider, with the company coming up in 1 of 60 answers. In the same answer, the assistants also name OnDeck and Lendio. Its overall score is 29 out of 100, ranking 962nd of 2,219 companies. The website passes 6 of 14 technical checks for AI tool readiness.

We asked 15 unbranded questions about its market, so no question mentioned Kapitus by name. AI assistants named it in 1 of the 60 answers. Counting only how often it is named, it ranks 156th of 394 in its sector. The typical banking company is named in 0.0% of answers.

Named fewer than three times in total. Read this as a sign that AI assistants rarely bring this company up, not as an exact comparison with its peers.

Overall score
29Overall score
  • Visibility3
  • Citations0
  • Sentiment50
  • Site quality80
  • AI readiness43
Summary of account
Named by AI in
1.7%
1 of 60 answers
Share of mentions
5.9%
of the mentions of it and its 5 peers
AI readiness
6/14
technical checks passed. Typical for its sector: 3
Rank in its sector
143 of 394
by overall score, where the typical banking company scores 28

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Line itemsSection 01

Every question, and where the company came up

Kapitus came up on 1 of 15 questions. Open any window to read that answer.

  1. 01How do interest rates differ between business term loans and lines of credit?0/4
  2. 02Where can small businesses find fast and flexible financing solutions in the US?0/4
  3. 03How can small businesses access funding without using a credit-based product?0/4
  4. 04What types of financing are best for purchasing new equipment for a growing business?0/4
  5. 05Which funding solutions work best for businesses with seasonal revenue spikes?0/4
  6. 06What should I look for when choosing a business lending platform?0/4
  7. 07What is the difference between revenue-based financing and merchant cash advances?0/4
  8. 08How can I improve my approval chances for a business line of credit?0/4
  9. 09How does a business line of credit compare to a traditional term loan for small businesses?0/4
  10. 10Is getting a fast business loan online worth it for small business owners?0/4
  11. 11Which types of business financing are easiest to qualify for as a small company?0/4
  12. 12Why might a small business loan application be denied?0/4
  13. 13What are some alternatives to traditional small business loans?0/4
  14. 14What additional fees should I watch out for when applying for business financing?0/4
  15. 15What are the best small business loan options for new businesses in the US?1/4
Total namedOpenAI: 0/15Claude: 0/15Perplexity: 0/15Gemini: 1/15All assistants: 1/60
named the companyanswered without naming itdid not answer

Columns, left to right: OpenAI, Claude, Perplexity, Gemini. Across the study, on 50% of the questions where a company is named, only one AI assistant names it.

Transaction detailSection 02

What Gemini actually said

An answer that names the company

Gemininamed the company

“What are the best small business loan options for new businesses in the US?”

… Revenue-Based Financing: Companies like OnDeck and Kapitus offer revenue-based financing, where you borrow against future sales. This can be a good fit for businesses with fluctuating or seasonal revenue.

Merchant Cash Advances (MCAs): MCAs provide a lump sum upfront in exchange for a percentage of daily or weekly revenue. While fast, they can be more expensive.

Equipment Financing: If your new business needs to purchase machinery or equipment, specialized equipment financing lenders can help.

Crowdfunding: This involves raising money from individuals online a …

The AI’s answer as we received it, shortened and not checked for accuracy.

PayeesSection 03

Where the mentions went

The companies these answers named, and how the mentions were split between this company and its peers.

Also named

CompanyTimes named
  1. 01
    OnDeck
    7
  2. 02
    Lendio
    2
  3. 03
    Credibly
    2
  4. 04
    BlueVine
    1

Share of mentions

CompanyShare
  1. OnDeck
    41.2%
  2. BlueVine
    29.4%
  3. Lendio
    11.8%
  4. Credibly
    11.8%
  5. Kapitus
    5.9%
  6. Funding Circle
    0.0%
ReferrersSection 04

Websites the AI used as sources

How many times each website was listed as a source in these answers

  1. 01
    crestmontcapital.com
    27
  2. 02
    bankrate.com
    18
  3. 03
    lendio.com
    15
  4. 04
    nav.com
    14
  5. 05
    biz2credit.com
    14
  6. 06
    nerdwallet.com
    14
  7. 07
    sofi.com
    13
  8. 08
    forbes.com
    10
  9. 09
    lendingtree.com
    10
  10. 10
    uschamber.com
    9

Kapitus is in the study as a small business banking provider.

By assistantSection 05

Which AI assistants named the company

Answers naming it, out of answers received

Gemini
1/15
Perplexity
0/15
Claude
0/15
OpenAI
0/15
Market comparisonSection 06

How Kapitus compares with all 2,219 companies

Every tower is a company in the study, taller for a higher overall score and lit where AI assistants named it. Its own group stays lit. Hover a tower to see it, and click to open it.

What makes up the score

Each part is scored out of 100.

Visibility
3

How often AI assistants name the company, and how that compares with its peers

Citations
0

How often AI uses the company's own website as a source

Sentiment
50

How positively AI describes the company

Site quality
80

How well built the website's own pages are

AI readiness
43

How easily AI tools can read and use the website

Visibility is calculated from the answers on this page. How the score is built.

Against its sectorSection 07

Compared with banking companies

394 companies in this sector. The gold tick on each bar is the typical company.

Overall score
29
Ranks 143 of 394. Typical company: 28
Named in answers
1.7%
Ranks 156 of 394. Typical company: 0.0%
AI readiness
43
Ranks 8 of 394. Typical company: 29
Against its categorySection 08

Compared with small business banking providers

38 companies in this category. The gold tick on each bar is the typical company.

Overall score
29
Ranks 19 of 38. Typical company: 29
Named in answers
1.7%
Ranks 19 of 38. Typical company: 1.7%
AI readiness
43
Ranks 3 of 38. Typical company: 29
AI agentsSection 09

Ready for AI agents

What this website publishes for an AI agent to read, use and pay through, on a scale of six levels.

  1. 0
  2. 1
  3. 2
  4. 3
  5. 4
  6. 5

Level 1: Basic web presence. Two of robots.txt, a sitemap and Link headers are in place.

To reach level 2:
  • Content Signals
Can an AI agent check out here?

Not by itself. Kapitus publishes none of the agent payment protocols we look for. An agent would have to click through the website like a person.

Agent payment protocols
  • x402Not present
  • MPPNot present
  • AP2Not present
  • ACPNot present
  • UCPNot present
Interfaces for AI agents
  • MCP Server CardNot present
  • A2A Agent CardNot present
  • Agent SkillsNot present
  • API CatalogNot present
  • llms.txtPublished
  • WebMCPCould not check
Show every check, for your technical team
Discoverability
77 of 100
  • robots.txtPassed

    A valid robots.txt with crawl rules at the site root.

    study: 86.1%
  • SitemapPassed

    An XML sitemap listing the pages, ideally referenced from robots.txt.

    study: 87.9%
  • Link headersNot met

    Send Link headers such as rel="api-catalog" or rel="describedby" on the homepage.

    study: 1.5%
  • DNS for AI DiscoveryNot present

    Advertise agent endpoints with SVCB records under _agents.

    study: 4.3%
Content accessibility
50 of 100
  • Markdown negotiationNot met

    Return a markdown version when asked with Accept: text/markdown, for example at the CDN.

    study: 6.2%
  • llms.txtPassed

    An llms.txt that tells language models what the site offers.

    study: 31.0%
Bot access control
32 of 100
  • AI bot rulesPartly met

    Add explicit robots.txt groups for the main AI crawlers.

    study: 92.7%
  • Content SignalsNot met

    Add a Content-Signal line for search, ai-input and ai-train to robots.txt.

    study: 2.3%
  • Web Bot AuthNot present

    Only relevant if you run your own agents or crawlers: publish a signing key directory.

    study: 0.3%
APIs, auth and MCP
18 of 100
  • API CatalogNot met

    List public APIs in a linkset at /.well-known/api-catalog.

    study: 1.3%
  • OAuth discoveryPartly met

    Publish OpenID Connect or OAuth server metadata under /.well-known.

    study: 6.3%
  • OAuth Protected ResourcePassed

    Metadata telling agents which authorization server to use.

    study: 5.3%
  • auth.mdNot met

    Publish an auth.md describing how agents sign in.

    study: 0.2%
  • MCP Server CardNot met

    Offer an MCP server and publish its server card under /.well-known.

    study: 0.8%
  • A2A Agent CardNot met

    Publish an agent card at /.well-known/agent-card.json.

    study: 0.2%
  • Agent SkillsNot met

    Publish a skills index with the main tasks agents can do.

    study: 1.0%
  • WebMCPCould not check

    Register key actions such as search or cart as WebMCP tools.

    study: 0.0%
  • ARD manifestNot met

    Publish an ai-catalog.json listing every agent interface.

    study: 0.2%

Score 42 of 100 · 97% of checks could run · checked on October 9, 2026 · kapitus.com · 2,200 companies scanned

See how every company did, and how this was measured.

AI readinessSection 10

The checks behind the AI readiness score

6 of 14 passed. This list is for your technical team. The percentage is how many companies in the study pass each check.

These 14 checks ran during the audit and are what the AI readiness part of the overall score counts. The scan above ran later and is stricter on Link headers and Markdown, so a check can pass here and not there.

Show the 14 checks

Discoverability

  • Passedrobots.txt publishedstudy: 85.1%
  • PassedXML sitemapstudy: 79.4%
  • Not metHTTP Link headers (RFC 8288)study: 42.5%

Content Accessibility

  • Not metMarkdown content negotiationstudy: 7.4%
  • Passedllms.txt publishedstudy: 28.1%
  • PassedToken budget (page weight)study: 97.3%

Bot Access Control

  • Not metExplicit AI bot rulesstudy: 11.5%

API / Auth / MCP

  • Not metAPI Catalog (.well-known/api-catalog)study: 1.1%
  • PassedOAuth Authorization Server discoverystudy: 5.2%
  • PassedOAuth Protected Resource discoverystudy: 4.6%
  • Not metMCP Server Cardstudy: 0.2%
  • Not metA2A Agent Cardstudy: 0.0%
  • Not metWebMCP toolsstudy: 0.3%
  • Not metAgent Skills declaredstudy: 0.1%
AI crawlersSection 11

What AI crawlers may read (robots.txt)

This website sets no rules for any AI crawler by name, like 86% of the websites whose rules we could read. Every AI crawler follows its general rules.

Training AI

  • GPTBotpartly
  • ClaudeBotpartly
  • Anthropic-AIpartly
  • Google-Extendedpartly
  • Applebot-Extendedpartly
  • Meta-ExternalAgentpartly
  • FacebookBotpartly
  • Bytespiderpartly
  • CCBotpartly
  • Diffbotpartly
  • Omgilibotpartly

AI search

  • OAI-SearchBotpartly
  • Claude-SearchBotpartly
  • PerplexityBotpartly
  • Applebotpartly
  • Amazonbotpartly
  • YouBotpartly

Answering questions

  • ChatGPT-Userpartly
  • Claude-Userpartly
  • Perplexity-Userpartly
  • DuckAssistBotpartly
  • MistralAI-Userpartly

Read from the website’s own rules file (robots.txt). An asterisk marks a crawler the file names. The rest follow its general rules. “Partly” means only some pages are blocked.

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End of statement
All 2,219 companiesHow we measured this
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