Capital you repay as a percentage of your sales, not as a fixed monthly payment. Built for small businesses that need cash fast and don't want their cash flow tied to a rigid schedule.
How an MCA works
You receive a lump sum upfront. In exchange, you agree to remit a set percentage of daily or weekly revenue until a fixed total — principal plus factor cost — is paid back.
Traditional
Revenue-based
When MCA makes sense
Restaurants between peak quarters, retailers stocking before Q4, contractors waiting on receivables. Repayment scales with revenue, so slow months pay less.
An inventory deal, an equipment purchase at discount, a marketing window. You need capital this week, not next quarter. MCAs fund in days.
Under two years in operation, FICO under 680, or revenue patterns that don't fit a bank's box. MCA underwriting is built around cash flow, not perfection.
When to consider alternatives
We'd rather say so up front than match you into the wrong product. If any of these describe you, look elsewhere first.
Real estate, multi-year expansion, or large equipment purchases usually fit a term loan or SBA loan better than an MCA.
Consider: SBA 7(a) or 504
If your bank will lend at 8–12% APR and you can wait 30–60 days, that's almost always cheaper than an MCA.
Consider: bank line of credit
If the capital is for a specific titled asset (truck, machinery, vehicle), equipment financing is usually a better structural fit.
Consider: equipment financing
Industries we serve
Our lenders underwrite across most US industries. These are the verticals we match most often.
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