Alternative Funder Directory
MCA Funders (MCA Lenders) & RBF Companies List
A directory of 200+ direct MCA funders and revenue-based financing companies. They're often called MCA lenders, but a merchant cash advance is structured as a purchase of future receivables, not a loan. Brokers, ISOs and referral partners use it to compare underwriting appetite before submitting deals and to request introductions. Run the numbers on any offer with our MCA calculator. Listings marked ✓ Verified passed our checks: see how we verify companies.
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MCA lenders & RBF funders: FAQs
What is an MCA lender?
An MCA lender, usually called an MCA funder, buys a share of a business’s future receivables at a discount and is repaid through daily or weekly remittances. A merchant cash advance is a purchase of receivables, not a loan, which is why the industry says funder rather than lender. To see what an advance really costs, use our MCA calculator.
What is the difference between MCA and revenue-based financing?
Both are repaid from a business’s revenue. Revenue-based financing is the broader term, and merchant cash advance is its most common form in small-business funding. Many companies on this list offer both.
What is a direct funder?
A direct funder underwrites and funds deals with its own capital or credit facility instead of passing the file to another company. Brokers and ISOs submit deals to direct funders, and this list shows each funder’s underwriting appetite so you can match a file before you submit. New to brokering? Start with our business loan broker training course.
How do I choose an MCA lender?
Start with the deals a funder actually takes. Check its minimum revenue, time in business, credit, positions and industries against your file. Then weigh offers on total payback, factor rate, term and payment frequency, not just the advance amount, and compare offers side by side before you present one to a merchant. It also helps to ask how the funder handles renewals and early payoff.
What do MCA companies look for in a file?
Most review monthly revenue, time in business, recent bank statements, existing positions and industry. Minimums vary widely from funder to funder, so comparing underwriting appetite first saves time for you and your merchant. To review a file the way underwriters do, take our MCA underwriting course or score it with the underwriting calculator.
Are MCA companies regulated?
Merchant cash advances are generally not regulated as loans, but a growing number of states, including California, New York, Utah, Virginia, Florida, Georgia and Texas, now require commercial financing disclosures or registration. Funder Intel’s regulation tracker follows these rules state by state.
Where do brokers find MCA leads?
Most brokers combine paid sources, such as live transfers, aged leads and UCC data, with referrals and their own marketing. Our MCA leads guide compares business loan lead companies and data providers.
How do I get an introduction to a funder on this list?
Members can request an introduction from a funder’s profile. Funder Intel membership is free, and every member is verified before approval.
How can a funder get listed?
Use the “Funders: claim your listing” button above to apply or claim an existing listing. A company LinkedIn page is required.