At a Glance
Rating Breakdown
Performance Overview
Scores out of 5, based on our editorial analysis
About CAN Capital
Founded in 1998 and headquartered in Kennesaw, Georgia, CAN Capital is widely recognized as one of the original pioneers of the merchant cash advance industry. The company helped invent the receivables-purchase model that now underpins thousands of alternative funders. Over more than two decades, CAN Capital has provided over $7 billion in funding to small businesses across the United States, serving restaurants, retail stores, medical practices, automotive shops, and hundreds of other industries that historically lacked access to fast working capital. CAN Capital's proprietary credit scoring technology draws on over 20 years of origination and performance data spanning multiple economic cycles, including the 2008 financial crisis and the 2020 pandemic downturn. This depth of historical data gives their risk models a precision that newer entrants simply cannot replicate. The company evaluates daily deposit consistency, revenue trends, industry-specific seasonality, and banking behavior to generate approval decisions that reflect actual business health rather than FICO score alone. Their split-processing repayment model, where a fixed percentage of daily credit card sales is automatically remitted, was an industry innovation that aligned repayment with revenue before most competitors offered anything similar. For business owners evaluating CAN Capital, the critical considerations are the advance ceiling and speed trade-off. The maximum advance of $250,000 is lower than what companies like Kapitus or Rapid Finance offer, which means larger businesses needing $500K or more will need to look elsewhere. Funding typically takes 2 to 3 business days rather than same-day, so CAN Capital is not the right fit for true emergencies. However, for businesses in the $2,500 to $250,000 range that value underwriting accuracy, fair factor rates informed by decades of data, and the stability of working with one of the longest-operating funders in the industry, CAN Capital remains a strong choice. Their 28,000+ verified reviews and membership in both the Small Business Finance Association and Electronic Transactions Association provide additional accountability that many newer MCA companies lack.
Key Features
Two Decades of Data
CAN Capital draws on over 20 years of origination and performance data to power its underwriting decisions, providing more accurate risk assessment than newer competitors.
Flexible Advance Amounts
Advances start as low as $2,500 for micro-businesses and scale up to $250,000, making CAN Capital accessible to a wide range of business sizes.
Split-Processing Repayment
CAN Capital offers credit card split-processing repayment where a fixed percentage of daily card sales is automatically remitted, aligning payments with actual revenue.
Repeat Funding Program
Existing customers with good repayment history can access faster repeat funding with better terms and higher advance amounts.
Industry Specialization
Deep expertise in restaurant, retail, automotive, and healthcare industries allows CAN Capital to tailor underwriting criteria to specific business verticals.
How It Works
Apply Online or by Phone
Complete the straightforward application online or speak with a funding specialist by phone. Provide basic business information and 3 months of bank statements.
Automated Underwriting
CAN Capital's proprietary technology evaluates your application using over 20 years of performance data to deliver a fast, accurate decision.
Review Your Offer
Receive a clear funding offer detailing the advance amount, factor rate, total repayment, and holdback percentage or payment schedule.
Get Funded
Sign electronically and receive funds deposited to your business account, typically within 2-3 business days of approval.
What They Do
- Merchant Cash Advance
- Small Business Loans
- Revenue-Based Financing
Debt Types They Take On
- Merchant Cash Advance
- Short-Term Loan
- Revenue-Based Financing
- Working Capital
Fee & Cost Structure
Regulatory & Trust
Review Summary
Notable Case Studies
Auto Repair Shop Second-Bay Expansion
Family-owned auto shop in Atlanta averaging $38K/month in revenue needed $85K to build out a second service bay and hire two ASE-certified technicians. Their bank required two years of filed tax returns they had not yet completed, making traditional financing impossible on their timeline.
Pizzeria Emergency Oven Replacement
A high-volume pizzeria in North Jersey doing $72K/month lost its primary deck oven mid-week, reducing production capacity by 60%. The owner estimated $4,800/day in lost revenue for every day the oven was down, and the replacement cost including installation was $28,500.
Pros & Cons
Pros
- One of the longest-operating MCA providers with 25+ years of history, providing stability that newer funders cannot match
- Low minimum advance of $2,500 makes it accessible to micro-businesses like food trucks, kiosks, and sole proprietors
- Credit card split-processing repayment automatically scales down on slow days and up on busy days, preventing cash flow crunches
- Proprietary scoring model built on 20+ years of origination data spanning two recessions provides more accurate risk pricing
- SBFA and ETA memberships provide dispute resolution channels and accountability that unaccredited funders lack
Cons
- Maximum advance of $250K is substantially lower than Kapitus ($5M) or Stripe Capital ($10M), disqualifying businesses needing larger capital
- Funding speed of 2-3 business days is slower than same-day providers like Fora Financial or SOS Capital for true emergencies
- Limited product diversity: no SBA loans, lines of credit, or equipment financing, so businesses needing those products must go elsewhere
- Split-processing repayment requires credit card sales volume, which may not suit businesses with primarily cash or ACH-based revenue
User Reviews (27)
its ok
Meh. CAN Capital is ok. $150K for my laundromat. The rate is too high honestly but I was in a bind.
A+
Would recommend. Got $35K for my pizza shop no hassle.
gets the job done
yep
nothing special
Not bad not good. $10K for freezer replacement. It is what it is I guess.
whatever
Used CAN Capital for expansion. $15K funded in a few days. Not the cheapest not the worst. Just kinda fine?
did what they said
My daycare needed insurance money and the bank said no. CAN Capital said yes, $250K at 1.45. David walked me thru everything.
fair deal
Pretty smooth process but the daily debit gets old. $60K for my clothing store. Would still recommend.
absolute nightmare
Worst decision I ever made. $18K at 1.30. DO THE MATH. When I fell behind by 2 days they started calling nonstop. Never again.
regret it
After funding good luck getting anyone on the phone. Got voicemail for 3 days. $12K for my pharmacy. Wish I went somewhere else.
fast funding
Just got my second advance from them. Rate dropped from last time. CAN Capital is solid.
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Related Companies
Important Merchant Cash Advance Disclaimers
- A merchant cash advance is not a loan. It is a purchase of future receivables at a discount. Factor rates, not APRs, are used to express the cost of capital. Effective APRs on merchant cash advances can range from 40% to over 350% depending on the term and factor rate.
- Repayment is typically collected daily or weekly via automatic ACH debits or a percentage of credit card sales. This means your repayment amount fluctuates with revenue but withdrawals occur every business day, which can strain cash flow during slow periods.
- Most MCA agreements require a personal guarantee from the business owner. In the event of default, the MCA provider may pursue the owner's personal assets, including bank accounts and property.
- MCA providers commonly file UCC-1 liens against your business assets. This lien may prevent you from obtaining additional financing until the advance is fully repaid and the lien is released.
- Merchant cash advances are not regulated by federal lending laws such as the Truth in Lending Act (TILA). State regulations vary widely, and some states have limited consumer protections for MCA products.
- Stacking multiple merchant cash advances (taking a second advance before the first is repaid) significantly increases the risk of default and can lead to aggressive collection actions including confessions of judgment in some jurisdictions.
- Zogby does not provide merchant cash advances or business financing. We are an independent comparison service. We do not fund advances, process applications, or guarantee approval on your behalf.
This page is informational, not financial or legal advice. Talk to a qualified professional before making any big money decisions.
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We make money from some companies on this page. That doesn't change our rankings -- the editorial team scores every product independently, and the business side has no say in what we recommend.