Merchant Cash Advance: Fast Business Funding
Compare MCA providers, factor rates, and repayment terms side by side. Find funding that works with your cash flow instead of against it.
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Compare Business Funding Options
| Option | How It Works | Credit Impact | Best For | Min. Debt |
|---|---|---|---|---|
|
Merchant Cash Advance
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|
Sell a slice of future revenue for upfront cash. Repaid through daily or weekly deductions from sales. | None (not a loan) | Fast funding, low credit | $5,000+ |
|
Business Line of Credit
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|
Revolving credit you draw from when needed. You pay interest only on what you actually use. | Positive if paid on time | Ongoing cash flow needs | $5,000+ |
|
Term Loan
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|
One lump sum with fixed monthly payments over a set period. Simple and predictable. | Positive if paid on time | Large one-time purchases | $10,000+ |
|
SBA Loan
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|
Government-backed loans with the lowest rates available, but strict qualification requirements. | Positive | Established businesses | $5,000+ |
See detailed reviews, factor rates, and funding amounts
Top MCA Providers of 2026
Credibly
Clear terms, fast funding, and small business owners across the country say good things about them.
Factor Rate
1.11-1.45
Funding
$5K-$600K
Speed
1-2 days
National Funding
Built for small businesses. Flexible repayment, and the application doesn't make you jump through hoops.
Factor Rate
1.10-1.40
Funding
$5K-$500K
Speed
24 hours
Rapid Finance
Same-day funding without a ton of requirements. Worth looking at when you need money today, not next month.
Factor Rate
1.15-1.50
Funding
$5K-$1M
Speed
Same day
Understanding Merchant Cash Advances
Merchant Cash Advance vs. Business Loan: Key Differences
MCAs and loans look similar on the surface. The differences in cost, repayment, and legal structure are substantial.
Read MoreHow Factor Rates Work and What They Really Cost
A 1.30 factor rate sounds simple. The real APR equivalent will surprise you. How to run the numbers yourself.
Read MoreMCA Stacking: Why It's Dangerous and How to Avoid It
Taking multiple MCAs at once creates a debt spiral fast. Know the warning signs and safer alternatives.
Read MoreWhen an MCA Makes Sense (and When It Doesn't)
MCAs work in specific situations and backfire in others. A no-nonsense guide to deciding.
Read MoreMCA Debt Relief Options for Business Owners
Falling behind on MCA payments? These are your real options for restructuring or settling the debt.
Read MoreState Regulations on Merchant Cash Advances
MCA regulation is changing fast. Know your state's disclosure rules and buyer protections.
Read MoreFrequently Asked Questions
No. An MCA is a purchase of future receivables. That distinction matters because MCAs dodge usury laws and traditional lending regulations in most states. Instead of interest, you pay a factor rate (typically 1.1-1.5x the advance). That said, states like New York, California, and Virginia now require MCA providers to disclose APR-equivalent costs, so the gap is closing.
MCAs use factor rates, not interest rates. A factor rate of 1.20-1.40 means you repay $1.20-$1.40 for every $1.00 advanced. On a $100,000 advance at 1.30, you repay $130,000. The kicker: factor rates do not adjust for early repayment. Pay it off in half the time and the cost stays the same. Effective APR equivalents can run from 40% to over 200%.
Most providers want: 3-6+ months in business, $5,000-$10,000+ in monthly revenue, a business bank account with regular deposits, and no active bankruptcies. Credit scores barely matter -- many providers approve scores below 500. What they care about is your revenue consistency, not your FICO.
Through automatic daily or weekly debits from your business bank account. Most MCAs use fixed ACH withdrawals, though some take a percentage of daily credit card sales instead. The percentage model means slower days cost you less and busy days cost more -- better for seasonal businesses. Repayment typically runs 3-18 months.