Glossary
The purchase of a portion of a business's future revenue at a discount, repaid through a percentage of daily or weekly deposits.
✓ Checking what you qualify for does not affect your credit score.
An MCA is legally a purchase of receivables rather than a loan, which is why it is priced with a factor rate and has no fixed term. Approval leans on revenue consistency far more than on credit score.
Underwriting for revenue-based business funding leans on bank activity, time in business, industry and existing positions. Where this term touches one of those, it can move a decision.
See the four factors that decide most files on the qualification page.
Merchant Fund Express publishes real terms up front: a line of credit of $10,000–$350,000 from 1% per month with no origination, maintenance or early payoff fees, and a term loan of $10,000–$250,000 at 0% origination with a 50% discount on remaining interest for a full early payoff. See the products →
The purchase of a portion of a business's future revenue at a discount, repaid through a percentage of daily or weekly deposits.
It depends on the factor it touches — industry, bank activity, time in business or existing positions. Those four decide most files.
Every product page on this site publishes the amount range, term, rate and fee structure up front.
Same-day decision. Applying takes a few minutes and will not affect your credit score.
