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Business Funding

Merchant Cash Advances

Factor rates, daily debits, stacking, and what an MCA really costs in plain numbers.

All Funding Grants SBA & Government-Backed Merchant Cash Advances Term Loans & Credit Lines Equipment & Invoice Finance Credit & Qualifying
How does a merchant cash advance work Merchant Cash Advances

How Does a Merchant Cash Advance Work? Plain Answer

A merchant cash advance trades cash now for a larger fixed amount paid from future sales. Here is how the factor rate, the holdback and the daily debit really work.

Oct 22 · The Funding Playbook
 A brass balance scale weighs a solid steel gear against a running hourglass on a wooden workbench. Merchant Cash Advances

Equipment Financing vs Merchant Cash Advance 2026

Buying equipment that earns money for years? Equipment financing usually fits better than a merchant cash advance. Here is how to compare both in dollars.

Oct 21 · The Funding Playbook
 A brass balance scale weighs a plain plastic card against a heavy bundle of twine-bound cash. Merchant Cash Advances

Business credit card vs a merchant cash advance: which one fits?

For everyday costs you can pay off within a few statements, a business credit card is usually the cheaper choice, and paying the full balance each month can mean no interest at…

Oct 20 · The Funding Playbook
 A waterlogged contract and an off-the-hook desk phone sit on a flooded counter under a dim overhead light. Merchant Cash Advances

The Adjuster Funded Him First. I Was Second.

"I'm not a criminal. I'm wet."

Oct 15 · Confessions
 Two office phones on separate steel desks have their coiled black cords tangled together in a knot across the gap. Merchant Cash Advances

He Read Me the Wrong Last Four

Different desks. They never talk to each other.

Oct 13 · Confessions
 An old answering machine overflows with a tangled nest of cassette tape spilling across a dark desk. Merchant Cash Advances

1,100 Broker Voicemails. Track Nine Was Mine.

"Track nine. Why do you think I called you back?"

Oct 5 · Confessions
 A fountain pen with wet ink rests on a desk beside an empty glass jar fitted with two brass siphon tubes. Merchant Cash Advances

He Signed at 2:47. They Debited at 2:51

Somebody else's debit had already won.

Oct 3 · Confessions
 A banded stack of cash rests safely on a flat steel shield beside an open ledger and stacked warehouse boxes. Merchant Cash Advances

Resolve Review (2026): B2B Net Terms with Non-Recourse Advances

Resolve review: B2B net terms advancing 50%-90% of invoices, risk-based fees. Paper Grade A; Reputation Score not yet scored.

Oct 2 · Lender Reviews
 A tray of assorted brass keys beside an iron lockbox, with one chosen key fitted neatly into the lock. Merchant Cash Advances

Become Review (2026): Business Funding Marketplace with MatchScore

Become review: a business-funding marketplace using its MatchScore tool. Paper Grade TBD; Reputation Score not yet scored.

Oct 2 · Lender Reviews
 A wooden step stool sits before a high counter displaying fanned agreements and an unlocked padlock. Merchant Cash Advances

Clarify Capital Review (2026): Business Loan Marketplace, 500 Credit Minimum

Clarify Capital review: a NY loan marketplace with 75+ lending partners. Paper Grade TBD; Reputation Score not yet scored.

Oct 2 · Lender Reviews
 A cardboard shipping box on a wooden workbench being filled with gold coins poured through a copper funnel. Merchant Cash Advances

Clearco Review (2026): Revenue-Based Funding for E-Commerce Brands

Clearco review: revenue-based funding up to $10M for DTC brands, a 2023 recapitalization. Paper Grade A; Reputation Score not yet scored.

Oct 2 · Lender Reviews
 A brass magnifying glass leans against a tall stack of paper currency under a harsh desk lamp. Merchant Cash Advances

Mr. Advance Review (2026): Merchant Cash Advances up to $1.5M, What We Could Verify

Mr. Advance review: MCAs up to $1.5M with a 500+ recommended credit score. Paper Grade D; Reputation Score not yet scored.

Oct 2 · Lender Reviews
 A wax-sealed envelope filled with banknotes sits beside a digital payment terminal on a sunlit wooden counter. Merchant Cash Advances

Clover Capital Review (2026): Invitation-Only Merchant Cash Advances for Clover Merchants

Clover Capital review: invitation-only MCAs for Clover merchants with 6+ months in business. Paper Grade A; Reputation Score not yet scored.

Oct 2 · Lender Reviews
 Stacks of gold coins nestle inside an open brown paper takeout bag under the warm glow of a kitchen heat lamp. Merchant Cash Advances

DoorDash Capital Review (2026): Sales-Based Financing for DoorDash Merchants via Parafin

DoorDash Capital review: sales-based financing with a one-time fee, provided through Parafin. Paper Grade A; Reputation Score not yet scored.

Oct 2 · Lender Reviews
 A ribbon of brass coins curls like a receipt from a card reader onto a chef's ticket spindle on a counter. Merchant Cash Advances

Toast Capital Review (2026): $1K–$300K Restaurant Loans Repaid From Card Sales

Toast Capital review: restaurant loans of $1K to $300K issued by WebBank, repaid from card sales. Paper Grade A; Reputation Score not yet scored.

Oct 2 · Lender Reviews
 A heavy brass balance scale weighs a stack of cardboard shipping boxes against a glass jar filling with gold coins. Merchant Cash Advances

Wayflyer Review (2026): Requirements for Revenue-Based Business Financing

Wayflyer review: financing from $10K to $20M for $10K average monthly revenue, no personal guarantees. Paper Grade A; Reputation Score not yet scored.

Oct 2 · Lender Reviews
 Banknotes emerge smoothly from the receipt slot of a card payment terminal into an open wooden cash drawer on a counter. Merchant Cash Advances

Liberis Review (2026): Embedded Business Funding Through Partner Platforms

Liberis review: embedded revenue-based funding via partners in 15 markets. Paper Grade A; Reputation Score not yet scored.

Oct 2 · Lender Reviews
 Cash spills out of an open delivery bag and a cardboard shipping box resting on a stainless steel commercial counter. Merchant Cash Advances

Parafin Review (2026): Embedded Financing on DoorDash, Amazon and More

Parafin review: embedded sales-based financing via DoorDash, Amazon and Gusto; pending Stripe deal. Paper Grade A; Reputation Score not yet scored.

Oct 2 · Lender Reviews
 A brass magnifying glass rests on an open contract beside an unlatched lockbox under the harsh beam of a desk lamp. Merchant Cash Advances

Wynwood Capital Group Review (2026): No-Credit-Check MCA, What We Could Verify

Wynwood Capital Group review: same-day MCA approvals, no credit check, an ISO-facing site. Paper Grade D; Reputation Score not yet scored.

Oct 2 · Lender Reviews
 A brass magnifying glass inspects a fragile miniature bridge made of folded paper documents on a dark desk. Merchant Cash Advances

TVT Capital Review (2026): Bridge Loans and MCAs, What We Could Verify

TVT Capital review: bridge loans, 2nd-lien loans and MCAs from $25K to $25M. Paper Grade D; Reputation Score not yet scored.

Oct 2 · Lender Reviews
 A carved wooden fox figurine perches beside a brass caliper measuring a thick stack of papers on a dark desk. Merchant Cash Advances

Fox Business Funding (Fox Funding) Review (2026): Requirements

Fox Business Funding (Fox Funding) review: up to $1M for 550+ credit and 12+ months. Paper Grade C; Reputation Score not yet scored.

Oct 2 · Lender Reviews
 A brass caliper measures a thick, banded stack of currency illuminated under a focused desk lamp. Merchant Cash Advances

Altbanq Review (2026): Term Loans from $100K to $10M, What We Could Verify

Altbanq review: term loans from $100K to $10M, up to 24-month terms, no hard pull to apply. Paper Grade A; Reputation Score not yet scored.

Oct 2 · Lender Reviews
 A single brass key sits on a bare desk in front of chained and padlocked office doors. Merchant Cash Advances

Funding Circle US Review (2026): No Longer Operating in the United States

Funding Circle: no longer operating in the US after iBusiness Funding's 2024 deal. Paper Grade TBD; Reputation Score not yet scored.

Oct 2 · Lender Reviews
 A brass spigot mounted on a deep-blue strongbox drops a single gold coin onto a small jeweler's scale. Merchant Cash Advances

American Express Business Line of Credit Review (2026): Requirements and Fees

Amex Business Line of Credit review: $2K to $250K lines for 660+ credit, monthly fee pricing. Paper Grade A; Reputation Score not yet scored.

Oct 2 · Lender Reviews
 Brass calipers and a jeweler's loupe sit beside a tied stack of ledger papers under a banker's lamp. Merchant Cash Advances

Lendini Review (2026): Revenue-Based Financing, What We Could Verify

Lendini review: revenue-based financing from 3 to 4 months of bank statements, tie to Quick Fix Capital. Paper Grade C; Reputation Score not yet scored.

Oct 2 · Lender Reviews
 An open cardboard shipping box filled with stacks of cash and coins rests on a warehouse roller conveyor. Merchant Cash Advances

Amazon Lending Review (2026): How Seller Financing Works Now

Amazon Lending review: invitation-based financing for U.S. Amazon sellers via third parties. Paper Grade A; Reputation Score not yet scored.

Oct 2 · Lender Reviews
 Banknotes flow from a tabletop payment terminal directly into an open cast-iron lockbox on a wooden counter. Merchant Cash Advances

Stripe Capital Review (2026): Loans and MCAs for Stripe Businesses

Stripe Capital review: loans and MCAs for Stripe users, a flat fee repaid from sales. Paper Grade A; Reputation Score not yet scored.

Oct 2 · Lender Reviews
 A mechanical chute splits a stream of brass coins between an open cash register drawer and a locked steel box. Merchant Cash Advances

PayPal Working Capital Review (2026): Requirements, Fees, and Repayment

PayPal Working Capital review: $1K to $250K based on PayPal sales, one fixed fee. Paper Grade A; Reputation Score not yet scored.

Oct 2 · Lender Reviews
 A wax-sealed invitation envelope rests on a stack of cardboard shipping boxes beside a roll of packing tape. Merchant Cash Advances

Shopify Capital Review (2026): Invitation-Only Funding for Shopify Sellers

Shopify Capital review: invitation-based funding up to $2M for Shopify merchants, repaid from sales. Paper Grade A; Reputation Score not yet scored.

Oct 2 · Lender Reviews
 A brass scoop measures out coins from a glass jar beside a white countertop card reader on a wooden surface. Merchant Cash Advances

Square Loans Review (2026): How Square Capital Financing Works and What to Watch

Square Loans review: loans up to $350K for Square sellers, a flat fee repaid from daily card sales. Paper Grade A; Reputation Score not yet scored.

Oct 2 · Lender Reviews
 A thick ledger tightly wrapped in heavy iron chains and padlocked on an empty mahogany desk beside a wooden gavel. Merchant Cash Advances

Par Funding Review (2026): SEC Case, Receivership and Final Judgments

Par Funding review: a 2020 SEC action, receivership and a $196.9M judgment against its founders. Paper Grade TBD; Reputation Score 1.0/10.

Oct 2 · Lender Reviews
 A wooden judge's gavel rests on a leather briefcase wrapped in heavy chains and secured with a brass padlock. Merchant Cash Advances

RAM Capital Funding Review (2026): FTC Industry Ban and NY Appellate Ruling

RAM Capital Funding review: a 2022 FTC order banning RAM from MCAs and a $675K judgment. Paper Grade TBD; Reputation Score 1.0/10.

Oct 2 · Lender Reviews
 A wooden gavel rests on a steel cashbox wrapped in heavy iron chains and a padlock on a dark mahogany desk. Merchant Cash Advances

Richmond Capital Group (RCG Advances) Review (2026): FTC Ban and NY Court Rulings

Richmond Capital Group review: a 2022 FTC industry ban and a 2026 NY appellate ruling. Paper Grade TBD; Reputation Score 1.0/10.

Oct 2 · Lender Reviews
 A leather ledger and financial contracts bound in heavy iron chains and secured with a padlock beneath a wooden gavel. Merchant Cash Advances

Yellowstone Capital Review (2026): NY AG Settlement, MCA Ban and FTC Order

Yellowstone Capital review: a 2025 NY AG consent judgment and the 2021 FTC $9.8M order. Paper Grade D; Reputation Score 1.0/10.

Oct 2 · Lender Reviews
 A small wooden model bridge lies snapped in half beneath the weight of a heavy gavel on a dark wooden desk. Merchant Cash Advances

Delta Bridge Funding (Cloudfund) Review (2026): NY AG Lawsuit Status

Delta Bridge Funding (Cloudfund) review: the ongoing NY AG lawsuit tied to Yellowstone Capital. Paper Grade TBD; Reputation Score 2.0/10.

Oct 2 · Lender Reviews
 A heavy brass gavel and cracked red wax seal sit atop a funding contract under a harsh desk lamp. Merchant Cash Advances

Reliant Funding Review (2026): Requirements, California Consent Order, BBB C-

Reliant Funding review: MCAs for 500 credit, a 2020 California consent order, BBB C-. Paper Grade C; Reputation Score 2.5/10.

Oct 2 · Lender Reviews
 A payment terminal on a wooden shop counter connects to an iron scale balancing paper cash against an anchor weight. Merchant Cash Advances

Kabbage Review (2026): What Happened to Kabbage, KServicing and the PPP Settlements

Kabbage review: KServicing stopped servicing loans in 2023 and settled PPP-related allegations. Paper Grade TBD; Reputation Score not yet scored.

Oct 2 · Lender Reviews
 A physician's stethoscope is tangled beneath a heavy wooden gavel inside a stainless steel surgical tray. Merchant Cash Advances

Bankers Healthcare Group (BHG Financial) Review (2026): North Dakota Order, Loan Terms

BHG Financial review: a 2025 North Dakota order and $7.1M penalty that BHG says it appealed. Paper Grade A; Reputation Score 3.0/10.

Oct 2 · Lender Reviews
 Two brass keys tied with red ribbon sit beside a heavy wooden gavel on a dark mahogany desk under a spotlight. Merchant Cash Advances

Itria Ventures Review (2026): Biz2Credit Affiliate and the FTC PPP Order

Itria Ventures review: Biz2Credit-affiliated funder named in a 2024 FTC stipulated order. Paper Grade TBD; Reputation Score 3.0/10.

Oct 2 · Lender Reviews
 A heavy brass gavel rests on a stack of loan papers next to a banker's lamp and a cracked wax seal on a dark desk. Merchant Cash Advances

Biz2Credit Review (2026): Term Loan Requirements and the FTC PPP Settlement

Biz2Credit review: term loans up to $2M, a 2024 FTC stipulated order over PPP processing claims. Paper Grade A; Reputation Score 3.5/10.

Oct 2 · Lender Reviews
 A blank brass nameplate sits beside a polished chrome plate and a tied legal folder on a steel workshop desk. Merchant Cash Advances

Balboa Capital Review (2026): Now Ameris Bank Equipment Finance, BBB Data and a 2017 California Order

Balboa Capital review: equipment and short-term loans from $50K, a 2017 California consent order. Paper Grade A; Reputation Score 4.5/10.

Oct 2 · Lender Reviews
 A cracked card payment terminal sits embedded in a wooden counter beside a sawed-in-half brass padlock. Merchant Cash Advances

YouLend Review (2026): Embedded Financing, 2026 Data Breach, BBB D Rating

YouLend review: embedded financing via partners, a June 2026 data breach and class action, BBB D. Paper Grade A; Reputation Score 4.5/10.

Oct 2 · Lender Reviews
 Gold coins flow through a glass section of copper pipe secured by an iron clamp and a brass padlock. Merchant Cash Advances

Pipe Review (2026): Embedded Revenue-Based Capital and a 2024 SEC Order

Pipe review: embedded capital repaid from sales, a 2024 SEC order over late Form D filings. Paper Grade A; Reputation Score 5.0/10.

Oct 2 · Lender Reviews
 A sleek server unit precariously balances on a rotting, splintered wooden crate in a dimly lit office. Merchant Cash Advances

Capchase Review (2026): Vendor Financing for B2B Tech Purchases, BBB F

Capchase review: B2B vendor financing for tech buyers, BBB F for unanswered complaints. Paper Grade A; Reputation Score 5.0/10.

Oct 2 · Lender Reviews
 A golden-sealed certificate sits partially crushed beneath a scarred wooden gavel on a dark mahogany desk. Merchant Cash Advances

Shore Funding Solutions Review (2026): Funding Broker, BBB A+, Complaints and a 2018 California Penalty

Shore Funding Solutions review: NY broker for loans up to $5M, a 2018 California settlement. Paper Grade TBD; Reputation Score 5.5/10.

Oct 2 · Lender Reviews
 A brass magnifying glass and heavy iron calipers examine a miniature paper storefront under a harsh desk lamp. Merchant Cash Advances

Bitty Advance Review (2026): Requirements, Fees and Reported Complaints

Bitty Advance review: advances of $1K to $50K for 500 credit and 6 months, reported complaint themes. Paper Grade C; Reputation Score 5.5/10.

Oct 2 · Lender Reviews
 A thick paper contract rests under a brass magnifying glass beside a stack of coins on an oak desk. Merchant Cash Advances

Kapitus Review (2026): Term Loans, MCAs, Requirements, and BBB Record

Kapitus review: term loans and MCAs up to $750K, 625 credit and 2 years, a BBB F rating. Paper Grade A; Reputation Score 5.5/10.

Oct 2 · Lender Reviews
 A neat stack of paper currency sits caught inside a rusted wire trap on a scuffed wooden desk. Merchant Cash Advances

Small Business Funding Review (2026): Up to $500K Through a Lender Network, BBB F Rating

Small Business Funding review: up to $500K via a lender network, BBB F over use of the BBB name. Paper Grade TBD; Reputation Score 6.0/10.

Oct 2 · Lender Reviews
 A brass magnifying glass and dried wheat stalks rest on an open paper docket under the warm glow of a desk lamp. Merchant Cash Advances

IBusiness Funding Review (2026): SBA 7(a), USDA and Term Loans, BBB Data

iBusiness Funding review: SBA 7(a) loans with a 640 FICO minimum, USDA and term loans. Paper Grade A; Reputation Score 6.0/10.

Oct 2 · Lender Reviews
 A merchant funding agreement lies beneath a desk lamp, examined with a fine-toothed brass comb and a jeweler's loupe. Merchant Cash Advances

Fenix Capital Funding Review (2026): MCA Process, Terms Example, BBB Reviews

Fenix Capital Funding review: direct MCA funder with pre-approvals up to $200K, BBB data. Paper Grade C; Reputation Score 6.0/10.

Oct 2 · Lender Reviews
 A stack of paper currency rests inside an open legal docket folder beneath a heavy brass gavel on a mahogany desk. Merchant Cash Advances

Fundomate Review (2026): Working Capital up to $500K, BBB and Court Record

Fundomate review: working capital up to $500K+ with up to 18-month terms, a 2025 employment judgment. Paper Grade TBD; Reputation Score 6.0/10.

Oct 2 · Lender Reviews
 A brass caliper rests on a tied paper dossier next to a dark hourglass on an executive wood desk. Merchant Cash Advances

CAN Capital Review (2026): Working Capital Loan Requirements and Record

CAN Capital review: loans of $2,500 to $400K made by WebBank, 600 FICO, a 2020 SEC settlement. Paper Grade A; Reputation Score 6.0/10.

Oct 2 · Lender Reviews
 A thick bundle of cash drops into a steel basin of water, creating a frozen splash beside a brass magnifying glass. Merchant Cash Advances

Splash Advance Review (2026): High-Risk Working Capital up to $1M, BBB Data

Splash Advance review: a Boca Raton funder offering working capital up to $1M, a 2021 usury suit. Paper Grade D; Reputation Score 6.5/10.

Oct 2 · Lender Reviews
 A brass magnifying glass pins down paper tape beside a payment terminal and a thick manila file folder. Merchant Cash Advances

CFG Merchant Solutions Review (2026): Revenue-Based Financing, BBB Complaints

CFG Merchant Solutions review: revenue-based financing and loans, BBB A+ with 14 complaints. Paper Grade C; Reputation Score 6.5/10.

Oct 2 · Lender Reviews
 Tangled rotary telephones with off-hook receivers surround a lone business checkbook under a harsh desk lamp. Merchant Cash Advances

Lendio Review (2026): How the Marketplace Works and Reported Issues

Lendio review: a loan marketplace with 75+ lenders, BBB complaints, a 2020 FTC/SBA warning letter. Paper Grade TBD; Reputation Score 6.5/10.

Oct 2 · Lender Reviews
 Manila folders spill from a pried-open metal filing cabinet beneath a broken brass padlock in a dim office. Merchant Cash Advances

Byzfunder Review (2026): Requirements, Data-Breach Class Action, and Record

Byzfunder review: revenue-based funding up to $500K, no hard pull, a pending data-breach class action. Paper Grade C; Reputation Score 6.5/10.

Oct 2 · Lender Reviews
 A brass caliper rests beside a small metal cash box fitted with a water spigot on a wooden desk. Merchant Cash Advances

Bluevine Review (2026): Line of Credit Requirements and What Customers Report

Bluevine review: credit lines up to $250K with 625 FICO and $10K/month minimums, BBB A+. Paper Grade A; Reputation Score 6.5/10.

Oct 2 · Lender Reviews
 A cardboard shipping box cleanly sliced into four installments sits on a wooden counter beside a heavy brass key. Merchant Cash Advances

Credit Key Review (2026): B2B Buy Now, Pay Later at Checkout, BBB Data

Credit Key review: B2B buy now, pay later with terms up to 24 months, loans made by Lead Bank. Paper Grade A; Reputation Score 7.0/10.

Oct 2 · Lender Reviews
 A miniature storefront rests on three stacked leather books illuminated by a green banker's lamp on a wooden desk. Merchant Cash Advances

SmartBiz Bank Review (2026): SBA 7(a) Loans, 660+ Credit, 3+ Years

SmartBiz Bank review: SBA 7(a) loans of $50K to $350K for 3+ years, $250K+ revenue and 660+ credit. Paper Grade A; Reputation Score 7.0/10.

Oct 2 · Lender Reviews
 A stack of cash clamped tightly in a heavy metal vise, shedding torn paper fragments onto a dark desk. Merchant Cash Advances

Torro Review (2026): Startup and Business Capital, BBB Fee Complaints

Torro review: startup capital from $25K and business capital up to $575K, reported fee complaints. Paper Grade D; Reputation Score 7.0/10.

Oct 2 · Lender Reviews
 A cracked magnifying glass rests between a miniature storefront and a heavy steel vault door on a wooden desk. Merchant Cash Advances

Newtek Review (2026): Newtek Bank Business Loans from $5K to $15M, BBB Complaints

Newtek review: business and SBA loans from $5K to $15M made by Newtek Bank, N.A., BBB data. Paper Grade A; Reputation Score 7.0/10.

Oct 2 · Lender Reviews
 A brass loupe and precision calipers sit beside a stack of bound receipts and a notebook on an oak desk. Merchant Cash Advances

Vox Funding Review (2026): Revenue Advance Requirements, BBB Reviews

Vox Funding review: revenue advances for 1 year and $10K monthly revenue, soft credit pull, BBB A+. Paper Grade B; Reputation Score 7.0/10.

Oct 2 · Lender Reviews
 A steel lockbox with a broken rear panel spills loan papers beside a brass gavel on a dark wooden desk. Merchant Cash Advances

Lendistry Review (2026): Term Loans from 11.99%, SBA 7(a), Pending Privacy Class Action

Lendistry review: $10K to $350K term loans from 11.99%, 620 FICO, SBA 7(a), a pending privacy class action. Paper Grade A; Reputation Score 7.0/10.

Oct 2 · Lender Reviews
 A brass magnifying glass inspects a small copper praying mantis perched on an open accounting ledger. Merchant Cash Advances

Mantis Funding Review (2026): Revenue-Based Financing and BBB Record

Mantis Funding review: revenue-based financing of $5K to $500K, daily or weekly payments, BBB B-. Paper Grade C; Reputation Score 7.0/10.

Oct 2 · Lender Reviews
 An open oyster shell with a pearl rests on a stack of documents beside a brass magnifying glass on a dark desk. Merchant Cash Advances

Pearl Capital Review (2026): MCA Funding Through Brokers, BBB Record

Pearl Capital review: MCAs placed through ISOs for 3+ months in business, any FICO, BBB B-. Paper Grade D; Reputation Score 7.0/10.

Oct 2 · Lender Reviews
 Brass calipers measure folded currency beside a thick manila folder and a jeweler's loupe under focused desk lighting. Merchant Cash Advances

Expansion Capital Group Review (2026): Requirements, Products and BBB Record

Expansion Capital Group review: short-term funding for 500+ FICO, 6 months and $8K monthly revenue. Paper Grade C; Reputation Score 7.0/10.

Oct 2 · Lender Reviews
 A brass faucet mounted to the door of an iron safe drips gold coins into a small metal cup. Merchant Cash Advances

Headway Capital Review (2026): Line of Credit Requirements, APRs, and Draw Fees

Headway Capital review: credit lines of $5K to $100K, 625 credit, 39%-82% APR per NerdWallet. Paper Grade A; Reputation Score 7.0/10.

Oct 2 · Lender Reviews
 A chrome wrench rests next to an unlocked brass padlock on a workshop table beside heavy steel machinery. Merchant Cash Advances

ELease Review (2026): Equipment Leasing and Financing Since 1995

eLease review: equipment leasing and financing from a Florida company founded in 1995, deals from $3K. Paper Grade A; Reputation Score 7.5/10.

Oct 2 · Lender Reviews
 A brass balance scale rests on stone, weighing an iron gear against a tall stack of currency straps. Merchant Cash Advances

Gibraltar Business Capital Review (2026): Asset-Based Lending up to $100MM

Gibraltar Business Capital review: asset-based credit facilities for lower middle market firms. Paper Grade A; Reputation Score 7.5/10.

Oct 2 · Lender Reviews
 A worn brass key unlocks a heavy steel box filled with banded stacks of cash on a dark wooden desk. Merchant Cash Advances

Cardiff Review (2026): Working Capital up to $250K, 500 Credit, BBB Data

Cardiff review: working capital up to $250K with 500 credit and 1 year in business, BBB data. Paper Grade C; Reputation Score 7.5/10.

Oct 2 · Lender Reviews
 A brass valve on a computer server trickles silver coins through a glass tube into a jar. Merchant Cash Advances

Lighter Capital Review (2026): Revenue-Based Financing for SaaS Startups

Lighter Capital review: up to $10M non-dilutive financing for tech startups with $200K+ ARR, BBB A+. Paper Grade A; Reputation Score 7.5/10.

Oct 2 · Lender Reviews
 A brass balance scale weighs a thick stack of banded cash against a brass weight beside a magnifying loupe and ledger. Merchant Cash Advances

Kalamata Capital Group Review (2026): MCA Approvals up to $750K, BBB Data

Kalamata Capital Group review: merchant cash advances with approvals up to $750K, BBB A+. Paper Grade B; Reputation Score 7.5/10.

Oct 2 · Lender Reviews
 A pair of brass calipers measures a stack of paper receipts next to an open cashbox under a warm desk lamp. Merchant Cash Advances

Velocity Capital Group Review (2026): Revenue-Based Financing Requirements

Velocity Capital Group review: revenue-based financing up to $2M, $20K monthly revenue and 500+ FICO. Paper Grade C; Reputation Score 7.5/10.

Oct 2 · Lender Reviews
 Three distinct brass lockboxes sit under a magnifying glass on a polished wooden desk in warm lamp light. Merchant Cash Advances

Backd Review (2026): Line of Credit, Term Loan and MCA Requirements

Backd review: credit lines, term loans and MCAs for 650+ credit, 2 years and $100K revenue. Paper Grade A; Reputation Score 7.5/10.

Oct 2 · Lender Reviews
 A steel lockbox sits jammed half-open by a bent key beside iron calipers gripping a coin on an illuminated wooden desk. Merchant Cash Advances

Idea Financial Review (2026): Line of Credit Requirements and Reported Issues

Idea Financial review: credit lines up to $350K for 650+ credit and 3+ years, reported draw freezes. Paper Grade A; Reputation Score 7.5/10.

Oct 2 · Lender Reviews
 A brass caliper measures a stack of gold coins on an open ledger next to a small balance scale holding a padlock. Merchant Cash Advances

IOU Financial Review (2026): Term Loan Requirements, Rates, and Record

IOU Financial review: term loans of $15K to $1.5M, 600 credit, 1.50%-4.00% monthly rates, BBB A+. Paper Grade A; Reputation Score 7.5/10.

Oct 2 · Lender Reviews
 Two metal cash boxes stacked precariously on a worn ledger atop a wooden desk under a harsh overhead light. Merchant Cash Advances

Greenbox Capital Review (2026): Requirements, Fees, Second-Position Funding, and Reported Issues

Greenbox Capital review: funding from $3K, 500+ FICO, 5 months in business and a 4% setup fee. Paper Grade D; Reputation Score 7.5/10.

Oct 2 · Lender Reviews
 A steel climbing piton pierces an open ledger on a rough rock slab, anchored by a taut, fraying rope. Merchant Cash Advances

Everest Business Funding Review (2026): Revenue-Based Financing, Requirements, and Reported Issues

Everest Business Funding review: revenue-based financing for $5K/month revenue and 500+ credit. Paper Grade D; Reputation Score 7.5/10.

Oct 2 · Lender Reviews
 A small green lockbox on a desk is squeezed tightly by heavy brass calipers beside a solitary key. Merchant Cash Advances

Fundbox Review (2026): Line of Credit Requirements, APRs, and Reported Issues

Fundbox review: lines of credit up to $250K, 600 credit and 3 months minimum, 36%-99% APR per NerdWallet. Paper Grade A; Reputation Score 7.5/10.

Oct 2 · Lender Reviews
 A brass balance scale tilted by paper currency and a cracked hourglass rests on a dark oak desk beside a jeweler's loupe. Merchant Cash Advances

Rapid Finance Review (2026): Requirements, Products, and Reported Issues

Rapid Finance review: term loans, lines and MCAs, NerdWallet-reported 650 credit and 3-year minimums. Paper Grade A; Reputation Score 7.5/10.

Oct 2 · Lender Reviews
 A jeweler's loupe rests on folded contract pages beside an iron weight compressing a small stack of paper bills. Merchant Cash Advances

Credibly Review (2026): Merchant Cash Advance Requirements, Fees, and Reported Issues

Credibly review: MCAs with 550 credit and $20K/month minimums, factor rates from 1.11, reported UCC issues. Paper Grade A; Reputation Score 7.5/10.

Oct 2 · Lender Reviews
 A paper contract rests on a dark desk under a green lamp, measured by sharp brass calipers beside an iron weight. Merchant Cash Advances

National Funding Review (2026): Requirements, Factor Rates, and Reported Complaints

National Funding review: working capital and equipment financing, factor-rate pricing, BBB complaint themes. Paper Grade A; Reputation Score 7.5/10.

Oct 2 · Lender Reviews
 A miniature industrial excavator scoop holds a brass key next to an open padlock on a wooden work surface. Merchant Cash Advances

Triton Capital Review (2026): Equipment Loans from 5.99%, 575 Credit, BBB A+

Triton Capital review: equipment loans up to $250K at 5.99%-34.99% APR, 575 credit minimum. Paper Grade A; Reputation Score 8.0/10.

Oct 2 · Lender Reviews
 A heavy brass document embosser and a gold-sealed contract rest beneath an antique banker's lamp on a polished desk. Merchant Cash Advances

United Capital Source Review (2026): Business Loan Broker, BBB A+ Accredited

United Capital Source review: a NY business-funding broker, BBB A+ accredited since 2013. Paper Grade TBD; Reputation Score 8.0/10.

Oct 2 · Lender Reviews
 A miniature scissor lift raises a stack of cash on a workbench beside open brass calipers under an overhead lamp. Merchant Cash Advances

Elevate Funding Review (2026): Revenue-Based Finance (MCA), Fees and Ratings

Elevate Funding review: revenue-based finance from a Florida funder since 2015, a flat $500 fee over $6,500. Paper Grade C; Reputation Score 8.0/10.

Oct 2 · Lender Reviews
 A brass key and an unlocked iron padlock rest beside a tidy stack of bundled cash on a wooden desk. Merchant Cash Advances

Breakout Capital Review (2026): Term Loans from $25K, 600 FICO, BBB A+

Breakout Capital review: $25K to $1M term loans with 600 FICO and $25K monthly revenue minimums. Paper Grade A; Reputation Score 8.0/10.

Oct 2 · Lender Reviews
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Smart Business Funder Review (2026): 500 Credit MCA, Factor Rates, Stacking

Smart Business Funder review: MCAs for 500+ credit and 1 year in business, factor rates 1.25-1.499, BBB A+. Paper Grade D; Reputation Score 8.0/10.

Oct 2 · Lender Reviews
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Legend Advance Funding Review (2026): MCA Guidelines, Consolidation, BBB Data

Legend Advance Funding review: MCAs up to $750K for 3 months and $20K monthly revenue, BBB A+. Paper Grade D; Reputation Score 8.0/10.

Oct 2 · Lender Reviews
 A stack of heavy brass coins braces a cracked terra-cotta pot holding a freshly sprouted green seedling. Merchant Cash Advances

Unique Funding Solutions Review (2026): MCA for Bad Credit and Newer Businesses

Unique Funding Solutions review: MCAs for bad-credit and newer businesses via ISOs, BBB A+, no complaints. Paper Grade D; Reputation Score 8.0/10.

Oct 2 · Lender Reviews
 A heavy wooden gavel rests on a thick stack of loan contracts on a desk, beside a brass scale tipped by coins. Merchant Cash Advances

The LCF Group Review (2026): MCA Requirements and the NY AG Rapid Ruling Petition

The LCF Group review: MCAs for 6+ months and $10K monthly revenue, a 2026 NY AG petition naming LCF. Paper Grade C; Reputation Score 8.0/10.

Oct 2 · Lender Reviews
 Brass calipers and a magnifying glass sit atop loan papers and an open ledger on a dark wooden desk. Merchant Cash Advances

Mulligan Funding Review (2026): Business Loan Requirements and Record

Mulligan Funding review: business loans up to $10M for $750K+ revenue and 6 months in business, BBB A+. Paper Grade A; Reputation Score 8.0/10.

Oct 2 · Lender Reviews
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Forward Financing Review (2026): Revenue-Based Financing, 500 Credit Minimum, and Reported Issues

Forward Financing review: revenue-based financing of $5K to $500K, 500 credit and 1 year minimum, Trustpilot 4.6. Paper Grade B; Reputation Score 8.0/10.

Oct 2 · Lender Reviews
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Fora Financial Review (2026): 570 Credit Minimum, Factor Rates, and Reported Issues

Fora Financial review: loans and MCAs with 570 credit and 6-month minimums, BBB data, a settled TCPA class action. Paper Grade A; Reputation Score 8.0/10.

Oct 2 · Lender Reviews
 A brass jeweler's loupe rests on a contract beside an uneven balance scale weighed down by a tall stack of copper coins. Merchant Cash Advances

OnDeck Review (2026): Requirements, Costs, and What Borrowers Report

OnDeck review: published requirements, APR ranges, prepayment rules and what BBB and Trustpilot reviewers report. Paper Grade A; Reputation Score 8.0/10.

Oct 2 · Lender Reviews
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Merchant Growth Review (2026): Canadian Term Financing up to $1M, BBB A+

Merchant Growth review: Canadian term financing of $5K to $1M and lines of credit up to $125K, BBB A+. Paper Grade A; Reputation Score 8.5/10.

Oct 2 · Lender Reviews
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Uplyft Capital Review (2026): MCA Requirements, Ratings and Complaints

Uplyft Capital review: MCAs of $5K to $500K for 500 credit and 3 months in business, BBB and Trustpilot data. Paper Grade C; Reputation Score 8.5/10.

Oct 2 · Lender Reviews
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Libertas Funding Review (2026): Revenue-Based Financing From $100K to $10M

Libertas Funding review: revenue-based financing up to $10M, Trustpilot 4.8 per RealReviews, BBB A+. Paper Grade A; Reputation Score 9.0/10.

Oct 2 · Lender Reviews
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The MCA questions merchants actually ask, answered straight

Nine questions small business owners keep asking about merchant cash advances — factor rates, stacking, reconciliation, confessions of judgment, spam calls and consolidation…

Aug 1 · Confessions
 A wooden abacus, landline phone, and brass slide rule connected by metal rods to a glowing central microchip. Merchant Cash Advances

AI read the MCA contract. It missed the 126% APR.

AI read the MCA contract. It missed the 126% APR.

Jul 31 · AI Hacks and Tips

Getting the calls? Shut it down.

Check a broker, then use the finance skill in your own AI. MCAFax has no user accounts and no sign-up.

Open the finance skill