Merchant Cash Advance
A merchant cash advance gives you a lump sum now, repaid automatically as a percentage of your daily revenue — so payments flex with your cash flow. FundCapa matches you with top MCA lenders with approvals in under 1 hour.
ⓘ Estimates only. Actual factor rates vary by lender, industry, and credit profile. FundCapa compares multiple offers at no cost.
Apply for My MCA →How It Works
Most businesses go from application to funded in under 24 hours. Here's exactly how the MCA process works.
One-page application. Basic business info, 3 months of bank statements. Soft pull only — no impact to your credit score.
FundCapa submits to multiple MCA lenders simultaneously. You receive competing offers within 1 hour. No obligation to accept.
Compare offers — advance amount, factor rate, repayment structure. Your FundCapa advisor walks you through every term before you sign.
Funds wire to your business bank account — often the same day, always within 24 hours of a signed agreement.
Factor Rates Explained
MCA lenders use factor rates — not interest rates — to price advances. A factor rate is a simple multiplier applied to your advance amount to determine total payback. Here's how it breaks down across the typical range.
Factor rate vs APR: Factor rates are not the same as APR. A 1.30 factor rate on a 6-month advance is roughly equivalent to 60% APR — but the same 1.30 factor rate on a 12-month advance is roughly 30% APR. Compare total dollar cost, not rate notation, when evaluating MCA offers.
| Advance Amount | Factor Rate 1.20 | Factor Rate 1.30 | Factor Rate 1.40 | Factor Rate 1.50 |
|---|---|---|---|---|
| $25,000 | Repay $30,000 Cost: $5,000 | Repay $32,500 Cost: $7,500 | Repay $35,000 Cost: $10,000 | Repay $37,500 Cost: $12,500 |
| $50,000 | Repay $60,000 Cost: $10,000 | Repay $65,000 Cost: $15,000 | Repay $70,000 Cost: $20,000 | Repay $75,000 Cost: $25,000 |
| $100,000 | Repay $120,000 Cost: $20,000 | Repay $130,000 Cost: $30,000 | Repay $140,000 Cost: $40,000 | Repay $150,000 Cost: $50,000 |
| $200,000 | Repay $240,000 Cost: $40,000 | Repay $260,000 Cost: $60,000 | Repay $280,000 Cost: $80,000 | Repay $300,000 Cost: $100,000 |
MCA vs Business Loan
An MCA and a traditional business loan are built for different situations. Here's how they compare across the dimensions that matter most.
| Factor | MCA | Business Loan |
|---|---|---|
| Approval speed | Under 1 hour | 1 hour – 4 weeks |
| Funding speed | Same day – 24 hours | 1 day – 6 weeks |
| Min. credit score | 500+ | 500–680+ (varies) |
| Min. time in business | 6 months | 6–24 months |
| Repayment structure | % of daily revenue (flexible) | Fixed daily/weekly/monthly |
| Collateral required | None | None (most programs) |
| Affects credit score | No (soft pull only) | Hard pull at funding |
| Adds debt to balance sheet | No (purchase of receivables) | Yes |
| Cost | Higher (factor 1.10–1.50) | Lower (SBA/bank) to similar (MCA) |
| Best for | Fast capital, variable revenue, bad credit | Lower cost, longer term, predictable payment |
Pros & Cons
An MCA is a powerful tool in the right situation — and the wrong choice in others. Here's an honest breakdown.
Industries We Fund
Any business with consistent daily or weekly revenue can qualify. These are the most active MCA industries FundCapa serves.
Seasonal sales swings and thin margins make MCA's flexible repayment ideal.
Material costs and payroll before invoices are paid — MCA bridges the gap.
Inventory builds before peak season funded in hours, not weeks.
Equipment upgrades and parts inventory — fast capital, fast ROI.
Renovations, staff, and supplies funded without collateral.
Equipment and expansion capital while waiting on insurance reimbursement.
Fleet maintenance and fuel advances between freight pay cycles.
Off-season operating capital and renovation funding with seasonal repayment.
Real Results
"My oven broke on a Friday. Bank said 3–4 weeks. FundCapa had $45,000 in my account Monday morning. New oven was installed by Tuesday. I never lost a weekend of business."
"Chase wanted 6 weeks of paperwork for $120K. FundCapa approved me in 4 hours. Revenue-based repayment meant my payments were lower in slow weeks. Exactly what I needed running 3 shops."
"Post-Covid my credit took a hit. No bank would touch me. FundCapa got me $30,000 based on my revenue — not my score. I've since paid it off and my salon revenue is up 40%."
Eligibility
Most businesses with 6 months of history and $10,000+ in average monthly deposits qualify for at least one MCA program through FundCapa.
One-page application, no collateral, no obligation to accept any offer. FundCapa compares MCA offers from multiple lenders simultaneously.
Apply Now →FAQ
One-page application, soft pull only, decision in under 1 hour. Compare offers from multiple MCA lenders at no cost.