Alternatives
CapFront publishes product ranges, rates from 1% per month and its term-loan bar, but not APRs or fees. Here is the full picture alongside ours.
✓ Checking what you qualify for does not affect your credit score.
Quoted from capfront.net and public reviews, checked October 15, 2026. Where a figure carries a qualifier such as “up to” or “from”, the qualifier is part of the quote.
Sources: CapFront website (capfront.net), Trustpilot, LendingTree review, Finder review; checked October 15, 2026. CapFront is a trademark of its owner; Merchant Fund Express is not affiliated.
Same categories, our figures, so the comparison is like for like.
Every figure above is transcribed from current lender guideline documents. See all three tiers →
A simple way to read any funder: what will they put in writing before you apply?
| CapFront | Merchant Fund Express | |
|---|---|---|
| Amount ranges | Published | Published |
| Starting rate | Published (from 1% per month) | Published (from 1% per month on the line) |
| APR | Not published | Not published |
| Fees | Not disclosed | Published (0% origination, 2.49% per draw) |
| Credit score minimum | Published for term loans (600+) | Published (500 floor, tiers) |
| Time in business minimum | Published for term loans (1+ year) | Published |
| Revenue minimum | Published for term loans ($15K+ a month) | Published |
| Early payoff terms | Not published | Published |
| States | Not published | Published (all 50) |
CapFront’s strengths are real: a state license, founding in 2017, about 1,100 Trustpilot reviews at 4.9, an Inc. 5000 listing and a product shelf that runs to $25M. Its term-loan bar, one year and $15,000 a month, is lower than our Tier 1, and it offers SBA, HELOC and real estate financing, which we do not.
Where it publishes less is cost. Its “from 1% per month” is a rate, not an APR, and LendingTree notes its fees are not disclosed. Its own calculator example, $150,000 over 5 years at 12%, shows $3,337 a month and $50,200 in interest before any fee.
The honest contrast with us is the shape of the product. We publish our fees and early payoff discounts, start at a 500 score and offer buyouts of advances of $100,000 or less. If you need large, long-term or property-backed money, CapFront may be the better candidate to compare; if you want every fee in writing first, our application is the faster route to a written answer.
A short application. No impact to your credit score to see what you qualify for.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the term and the total cost before you sign anything.
Money in your account, typically the next business day after signing.
600+ for term loans, described as flexible, checked October 15, 2026. Finder reports 560+ for its line of credit.
LendingTree notes it advertises rates rather than APRs and does not disclose its fees.
$5K to $25M across products, with term loans up to $15M and lines of credit up to $1.5M.
CapFront has a much wider shelf and a lower term-loan bar; Merchant Fund Express publishes its fees, starts at a 500 score and offers buyouts of $100,000 or less.
Figures were read from capfront.net, Trustpilot, LendingTree and Finder on October 15, 2026. Confirm anything material with the company.
No. We are one of the options on this page. What we can do is quote the other side accurately and publish our own numbers in the same detail.
Same-day decision. Applying takes a few minutes and will not affect your credit score.
