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Top MCA Funders

Whether you need working capital to grow your business or navigate through tough times, chances are there’s a merchant cash advance(revenue-based financing) option out there that will fit your needs.

Here is our list of the top direct funding companies that provide merchant cash advances and possibly other products like short-term loans. We do have a separate list of lenders who provide business term loans and lines of credit

The list was determined based on volume, reputation, experiences with them, client reviews, and product terms.

For our full list of business funding companies click here.

What is a Merchant Cash Advance(MCA)?

A merchant cash advance (MCA) isn’t technically a loan, but rather a cash advance based upon the true sales combined with credit card sales of a business. A small business can apply for an MCA and have an advance deposited into its account fairly quickly.

Merchant cash advance providers evaluate risk and weight credit criteria differently than a banker. An MCA provider looks at the daily true sales deposits and credit card receipts to determine if the business can pay back the funds in a timely manner. Basically, a small business “sells” a portion of future receivables(sales) or credit card sales to acquire capital immediately.

Rates on a merchant cash advance can be much higher than other financing options and depending on the company, can be prohibitively high. It’s critical you understand the terms you’re being offered so you can make an informed decision about ROI. 

How to Know if a Merchant Cash Advance is Right for Your Business?

When does it make sense for a business to use a merchant cash advance (revenue-based financing?

An MCA is an option when a business needs access to capital quickly to take advantage of an opportunity to purchase inventory at a discount, a special marketing opportunity, or other short-term capital need. And, because credit requirements are less stringent, it could be an option for a business that does a lot of credit card transactions but might have less-than-perfect credit.

This is not an endorsement for these funders/lenders so please perform your own due diligence before working with them.

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Paypal Working Capital

Loan Amount

$2K-200K

Min Credit

500

Repayment Term

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Square Capital

Loan Amount

$500-100K

Min Credit

NA

Repayment Term

3-18 Months

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Rapid Finance

Loan Amount

$5K-1M

Min Credit

550

Repayment Term

3-60 Months

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Shopify Capital

Loan Amount

20K-2M

Min Credit

500

Repayment Term

3-24 Months

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Kapitus

Loan Amount

$2,500-500K

Min Credit

575

Repayment Term

3-18 Months

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Credibly

Loan Amount

$5K-400K

Min Credit

500

Repayment Term

6-18 Months

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National Funding

Loan Amount

$5K-500K

Min Credit

575

Repayment Term

Please check your inputs

Daniel - October 9th 2023

NRG is great to work with. 1.2 Factor minimum, with flexible terms. Also offers consolidation type solutions for multi-stacked MCA clients. 949-439-7808

Robert Tager - May 18th 2023

If you are looking for snap funding with NO stips, look no Further than Cobalt Funding Solution. We max out at $3MM per funding and have terms up to 10 months for qualified merchants. Always looking for a quality ISO to give solid offers to. Looking for A- to C+ paper. Buy rates start at 1.30.

Marcus Clapman - March 12th 2023

Capybara Capital will be high on a list of direct funders that fund the large whale size deals (we also have a below 500K division). Great Longer Term Offers with Great Low-Buy-Rates (for maxup/down-sell) -- Focus on A-Minus-C+-Paper. No Direct Sales. 100% 3rd party broker driven. marcus@capybarausa.com 646-708-5986 Text-OK.

Christopher Rosa - March 3rd 2020

To Merchants and Independent brokers alike,
As the managing partner of Infusion Capital my company and i take great pride
pride in maintaining efficient, profitable and transparent business relationships .Whether you are a client looking for early refinancing options or our referral partners looking for expeditious updates and offers, We will make sure all of your business needs are met.
Feel free to contract me Directly at any time.
Christopher Rosa
Crosa@infusioncapllc.om
646-774-3050

clayton - February 24th 2020

I used Kabbage. They did wonders for me and will keep on going to them if needed!

Angela - February 24th 2020

Thank you for this. I've been working with a company but since I found this slist I've stopped working with them and am working with one of the above

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