Compare Merchant Cash Advance Providers
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MCA Provider Comparison
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Provider Based on MCA Rank score | Factor Rate Total cost multiplier (1.20 = repay $120k on $100k) Example: 1.20 rate means Borrow $100k → Repay $120k Lower rate = Lower cost | Term (months) | Funding | Requirements | Additional Fees | Action |
|---|---|---|---|---|---|---|
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Provider Based on MCA Rank score | Factor Rate Total cost multiplier (1.20 = repay $120k on $100k) | Term (months) | Funding | Actions |
|---|---|---|---|---|
No providers match your current filters. Try adjusting your criteria or reset the filters. | ||||
No providers match your current filters.
Try adjusting your criteria or reset the filters.
How We Rank MCA Providers
We evaluate each provider based on key factors that matter most to businesses seeking funding:
High Impact Factors
Lower rates score significantly better. We look for competitive rates that minimize your total cost.
Higher funding limits score better, giving you more flexibility for larger investments.
Medium Impact Factors
Flexible terms and payment options improve scores. Platform-dependent providers receive penalties.
More lenient qualification criteria score better. We reward accessibility for newer businesses.
Additional Factors
Fewer fees score better. When fee information isn't available, we assign a neutral score.
Faster funding improves scores, with same-day and 24-hour funding scoring highest.
Important Notes
- Providers requiring specific platforms (like Shopify or PayPal) receive significant penalties due to reduced flexibility.
- When information about fees isn't available, we use a neutral score to ensure fair comparison.
Understanding Merchant Cash Advances
A Merchant Cash Advance (MCA) is a flexible business financing solution where a company receives a lump sum payment in exchange for a portion of its future sales. Unlike traditional loans, MCAs offer faster approval, simpler qualification requirements, and repayment that adjusts with your business's cash flow.
Key Benefits of MCAs
- Fast Funding:
Get approved in as little as 24 hours and funded within 1-2 business days.
- Flexible Repayment:
Payments adjust with your sales volume - pay less when business is slow, more when business is thriving.
- Simple Qualification:
Approval based primarily on business performance rather than personal credit history.
- No Collateral Required:
Most MCAs don't require specific collateral, protecting your personal and business assets.
Ideal Uses for MCA Funding
Merchant Cash Advances can help your business capitalize on opportunities and overcome challenges quickly when traditional financing might be too slow or unavailable.
Smart ways to use MCA funding:
- Purchasing inventory at a discount or for seasonal demand
- Investing in equipment that will increase productivity
- Expanding your business with new locations
- Launching marketing campaigns to drive new sales
- Managing cash flow during seasonal fluctuations
- Taking advantage of time-sensitive business opportunities
With the right provider and strategic use of funds, an MCA can be a valuable tool for growing your business.
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