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MCA LENDERS — 160 SOURCES — ALL CREDIT PROFILES

Merchant Cash Advances — Every Credit Tier

We work with 160 MCA funders from top-tier A paper at factor 1.08 all the way to distressed D paper with no minimum credit score. Revenue-primary underwriting means your bank deposits matter more than your FICO. Approvals in 4–24 hours.

160
MCA Sources
1.08
Lowest Factor Rate
4 hrs
Fastest Approval
$5M
Max Advance
160
MCA Sources
1.08–1.50
Factor Rate Range
$5K–$5M
Advance Range
24 hrs
Avg Approval
All 50
States Covered

How MCA Credit Tiers Work

We match your file to the right tier based on FICO, monthly revenue, time in business, and bank statement health — not just one factor.

A PAPER

A-Credit Tier · 650+ FICO

Best rates, longest terms, highest advance multiples. 2+ years in business, $20K+/mo revenue. Factor rates 1.08–1.35. Terms up to 24 months.

A Paper
Kapitus
Direct funder since 2006. NYC-based.
Min FICO
650+
Min Monthly Rev
$20,833
Max Advance
$5,000,000
Factor Rate
1.12–1.49
Top A paper. MCA up to $5M. Also SBA, equipment, LOC. Manual reviews on every deal. 4-hour approvals.
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A Paper
OnDeck
Founded 2006. $15B+ funded nationally.
Min FICO
625+
Min Monthly Rev
$8,333
Max Advance
$400,000
Factor Rate
1.15–1.35
Strong A paper. Term loans + LOC. Reports to credit bureaus — helps build business credit. Same-day funding.
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A/B Paper
Credibly
4-hour approvals. Direct funder.
Min FICO
500+
Min Monthly Rev
$15,000
Max Advance
$600,000
Factor Rate
1.11–1.45
Widest A/B credit range. 500 min FICO. $50/mo admin fee. Flexible daily or weekly remittance.
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A Paper
Kapitus Healthcare
Helix program for medical practices.
Min FICO
600+
Min Monthly Rev
$10,000
Max Advance
$500,000
Factor Rate
1.12–1.45
Specialty healthcare MCA. Credits license date vs practice date for scoring. Medical, dental, optometry.
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A/B Paper
National Funding
Equipment + MCA specialist.
Min FICO
600+
Min Monthly Rev
$10,000
Max Advance
$500,000
Factor Rate
1.15–1.35
Equipment leasing + MCA. Good A/B crossover deals. 6-month minimum. Fast approvals.
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A Paper
Libertas Funding
$1M max. 2nd position considered.
Min FICO
600+
Min Monthly Rev
$15,000
Max Advance
$1,000,000
Factor Rate
1.20–1.49
Solid A paper. High max advance. 2nd position for strong files with proven track record.
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B PAPER

B-Credit Tier · 500–649 FICO

Fair credit, moderate revenue. Revenue and bank deposit history weighted heavily. Factor rates 1.18–1.49. Multiple position stacking considered.

B PaperC Paper
CFG Merchant Solutions
NYC-based direct funder.
Min FICO
500+
Min Monthly Rev
$10,000
Max Advance
$500,000
Factor Rate
1.18–1.48
Strong B/C paper. 2nd position standard. Challenged credit welcome. Restaurant, retail, service focus.
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B PaperC Paper
Yellowstone Capital
Aggressive B/C paper funder.
Min FICO
500+
Min Monthly Rev
$10,000
Max Advance
$500,000
Factor Rate
1.18–1.49
Multiple positions considered. High approval rate on B/C files. Fast submissions.
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B PaperC PaperD Paper
Greenbox Capital
NO minimum credit score.
Min FICO
NO MIN
Min Monthly Rev
$10,000
Max Advance
$500,000
Factor Rate
1.10–1.50
Unique: revenue-primary underwriting with no FICO floor. 3 months minimum in business. Renewal at 50% repaid.
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B Paper
Mantis Funding
Restaurant/retail specialist.
Min FICO
500+
Min Monthly Rev
$10,000
Max Advance
$500,000
Factor Rate
1.22–1.49
Strong B paper. Especially strong on restaurant, retail, and service industry files.
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B Paper
Pearl Capital
B paper specialist.
Min FICO
500+
Min Monthly Rev
$10,000
Max Advance
$500,000
Factor Rate
1.20–1.48
Solid B paper. Restaurant, retail, service. 2nd position considered on strong revenue files.
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B PaperC Paper
Kalamata Capital
High approval rate funder.
Min FICO
500+
Min Monthly Rev
$10,000
Max Advance
$500,000
Factor Rate
1.18–1.49
Flexible on positions. High approval rate. Good for files that got a countered offer elsewhere.
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B Paper
SBG Funding
Equipment + MCA combo.
Min FICO
500+
Min Monthly Rev
$10,000
Max Advance
$500,000
Factor Rate
1.20–1.45
B paper. Multiple products. Equipment leasing + MCA from same source.
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B PaperC Paper
Everlasting Capital
Strong deposits = good approval.
Min FICO
500+
Min Monthly Rev
$8,000
Max Advance
$750,000
Factor Rate
1.20–1.49
B/C crossover. Strong deposits compensate for challenged credit. High max advance for the tier.
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B Paper
Expansion Capital Group
Midwest HQ. B paper specialist.
Min FICO
500+
Min Monthly Rev
$8,333
Max Advance
$1,000,000
Factor Rate
1.22–1.49
Restaurant and retail specialist. $1M max advance for strong B paper files.
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C PAPER

C-Credit Tier · Below 500 FICO

Low credit, distressed situations. Asset value and bank deposits are primary. Higher factor rates reflect higher risk.

D Paper
World Business Lenders
Real property collateral required.
Min FICO
450+
Min Monthly Rev
$10,000
Max Advance
$500,000
Factor Rate
1.25–1.50
True C/D paper. Requires real property collateral. Asset-based underwriting. Bankruptcy, liens, judgments considered.
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C PaperD Paper
Overnight Capital
Very fast. True C paper.
Min FICO
480+
Min Monthly Rev
$7,500
Max Advance
$250,000
Factor Rate
1.25–1.50
24-hour funding on small files. Revenue-primary. 3 months minimum in business. High factor but very accessible.
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C Paper
Cloudfund
Multiple positions. C paper.
Min FICO
480+
Min Monthly Rev
$8,000
Max Advance
$500,000
Factor Rate
1.20–1.45
C paper friendly. Multiple positions considered. Strong deposits required to offset credit challenges.
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C Paper
Merk Funding
Revenue-primary underwriting.
Min FICO
480+
Min Monthly Rev
$7,500
Max Advance
$250,000
Factor Rate
1.25–1.49
Low credit OK with strong deposits. 3 months minimum. Small to mid-size advances.
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C PaperD Paper
Greenbox Capital
NO minimum FICO — revenue only.
Min FICO
NO MIN
Min Monthly Rev
$10,000
Max Advance
$500,000
Factor Rate
1.10–1.50
Revenue-primary with no credit floor. If deposits are strong, credit is secondary. Unique in the market.
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C Paper
FundPro
Verified DailyFunder source.
Min FICO
480+
Min Monthly Rev
$10,000
Max Advance
$250,000
Factor Rate
1.20–1.45
C paper. DailyFunder verified. Call to confirm current program terms before submission.
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We Know Which MCA Lender Will Fund Your Deal Today

Factor rates change daily. Lender appetite shifts by industry and credit tier. We track 160 MCA sources in real time — which ones are actively funding, what they're approving today, and what your deal will cost. You don't have to shop around. We already know.

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