The AltCap is a business loan from AltCap. The ongoing APR is Cap APY/APR: 20%; 3 years 1.3X multiple, 4 years 1.4X multiple, 5 years 1.5X multiple (terms subject to change). Typical credit limit: Loan amounts of $100,000 to $500,000. Loan terms: Term length is flexible: 3 years - 1.3X multiple; 4 years - 1.4X multiple; 5 years - 1.5X multiple; monthly payment up to 10% of total monthly revenue.