At a Glance
Rating Breakdown
Performance Overview
Scores out of 5, based on our editorial analysis
About Fast Capital 360
Fast Capital 360 occupies an interesting position in the business financing ecosystem: they're primarily a content and lead generation platform that also functions as a financing marketplace. Their blog and educational resources are high-quality — articles on how to calculate effective APR on MCAs, when to choose a term loan over a cash advance, and how to read an MCA contract. This educational content drives organic search traffic, which converts visitors into financing applicants. The business model matters for understanding what you're getting: when you 'apply' through Fast Capital 360, you're entering a lead funnel. Your application is matched with lenders in their network, and Fast Capital 360 earns a referral fee when a lender funds you. This is identical to what United Capital Source and other brokers do, but Fast Capital 360's content-first approach means their applicants tend to be better educated about their options before applying. The practical implication: if you find Fast Capital 360 through their educational content, read the content first, understand your options, then decide whether to apply through them or go direct to a funder. The education is free; the financing comes with a broker markup.
Key Features
Top-Quality Educational Content
Fast Capital 360's articles and calculators are useful for understanding business financing options. Their MCA cost calculator and loan comparison tools are better than what most direct lenders provide. Use these resources even if you ultimately fund elsewhere.
Low Credit Score Acceptance
The 500+ minimum credit score applies to MCA products where personal credit is less relevant than business revenue. For term loans and SBA products, the matched lenders will have higher minimums (typically 620-680+).
Multi-Product Matching
Like other brokers, FC360 matches to MCAs, term loans, lines of credit, and equipment financing. Their matching algorithm weighs your credit score, revenue, and time in business to filter to products you're likely to qualify for — reducing the number of hard credit pulls from lenders.
How It Works
Educate Yourself
Worth doing: read FC360's articles on MCA costs and loan comparison before applying. The content is free and will help you evaluate any offer you receive.
Submit Application
Basic application with revenue, credit range, and funding needs. Bank statements are requested after initial matching.
Receive Matches
FC360 matches you with 2-5 lenders from their network. Some may contact you directly; others work through FC360's platform.
Compare & Choose
Review offers carefully. Ask each lender for total cost of capital in dollar terms, not just factor rates or APR.
Fund Through Lender
Contract is directly with the matched lender. FC360 has no ongoing role after funding.
What They Do
- MCA Matching
- Term Loan Matching
- Line of Credit Matching
- Equipment Financing Matching
- Educational Resources
Debt Types They Take On
- Future Business Revenue
- Fixed-Payment Loans
- Revolving Credit
Fee & Cost Structure
Regulatory & Trust
Review Summary
Notable Case Studies
First-Time MCA User
Auto repair shop owner found FC360 through a Google search for "MCA vs business loan." After reading comparison articles, applied through the platform and received 4 offers. FC360's content helped them understand that their $60K/month revenue and 640 credit score qualified for both MCA and term loan products.
Pros & Cons
Pros
- Educational content is top-tier for understanding business financing
- Low 500+ credit score acceptance for MCA products
- No direct fees to applicants
- Multi-product matching prevents you from defaulting to an MCA when a term loan is cheaper
Cons
- Primarily a lead generation business — your data goes to multiple lenders
- No control over which lenders contact you after applying
- Newer company (2015) with fewer reviews than established brokers
- Lender referral fee is embedded in your rate — you're paying for FC360's service indirectly
User Reviews (12)
got matched with 4 lenders
One app, four responses in 24 hours. Mix of MCA and term loan offers. Went with the term loan. Saved money.
read their contract article before signing ANYTHING
Seriously their article about how to read an MCA contract taught me to look for confession of judgment clauses and I found one in my first offer. Got it removed. That article alone was worth more than the matching service honestly.
its basically a lead gen company
Just so everyone understands what this is — you apply and they sell your info to lenders who pay them a commission. The content is great and matching is useful. But it's a lead funnel not a bank. Go in with eyes open.
options even with bad credit
My credit is in the 500s after covid and FC360 still matched me with 2 providers. Rates weren't great obviously but at least I had options when everyone else said no.
not many reviews out there for this company
Only like 600 reviews total. Compare that to PayPal or Fundbox with thousands. Makes it hard to know what you're getting. My experience was fine but I was basically going on faith.
their articles are actually helpful
Found them googling MCA calculators and the content on their site taught me stuff I didn't know. Ended up applying through them too and got a good deal. The education part is legit.
free to apply but not actually free
They don't charge you directly but the lender pays them a referral fee that's baked into your rate. Would the lender give you a lower rate if you went direct? Probably. Just something to think about.
great calculator tool
The free MCA cost calculator on their website is really good. I used it to check offers from other companies too. You don't even have to apply through them to use it. Eventually did apply and got funded at 1.20.
matched me with MCA when a term loan would be cheaper
Their own articles say businesses with 640+ credit should get term loans. I have 660 credit. They matched me with MCA anyway. Asked why and they said their term loan partners need more revenue. So the articles and the matching don't always line up.
asked for term loan, got MCA offers only
I SPECIFICALLY said I wanted a term loan. All 3 matches were MCAs. When I complained they said my revenue was too low for their term loan partners. So why even ask what I want if you're just gonna send whatever?? Went to Credibly directly and got the term loan no problem. Waste of time.
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Frequently Asked Questions
Related Companies
Important MCA & Business Financing Disclaimers
- Merchant cash advances are not loans. They are purchases of future receivables at a discount. Because MCAs fall outside traditional lending regulations, APR-equivalent disclosures are not required by law — always ask for the total cost of capital in dollar terms.
- Effective APRs on MCAs typically range from 40% to 350%, depending on factor rate and repayment speed. The faster you repay, the higher the effective APR — a counterintuitive reality that catches many business owners off guard.
- Daily or weekly repayment deductions reduce your operating cash flow. Model the deduction against your worst-performing month (not average revenue) to stress-test whether your business can sustain the payment schedule.
- Stacking multiple MCAs (taking a second advance before the first is repaid) is one of the primary causes of small business cash flow crises. Some providers prohibit stacking; others encourage it. Understand the risks before accepting additional advances.
- Zogby is an independent comparison service. We do not provide merchant cash advances or business financing. All terms, rates, and offers are determined by the funding provider.
This page is informational, not financial or legal advice. Talk to a qualified professional before making any big money decisions.
Editorial Independence
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.