Side by side
The short answer: If most of your revenue arrives by card, an MCA with split funding is the natural fit. If revenue arrives by bank transfer or on a subscription cycle, revenue-based financing matches the pattern better and flexes more honestly when a month comes in soft.
The flex is the real difference
A true revenue-share payment falls when revenue falls. A fixed daily debit does not — it takes the same amount on a slow Tuesday in February as on a busy Saturday in December.
That is why the structure matters more than the label. Ask specifically whether the payment adjusts with revenue or is fixed, because plenty of products described as revenue-based debit a fixed amount.
How it works
1. Apply in minutes
A short application. No impact to your credit score to see what you qualify for.
2. Same-day decision
We review revenue, time in business and bank activity — not just a credit score.
3. Review your terms
You see the amount, the term and the total cost before you sign anything.
4. Funded next business day
Money in your account, typically the next business day after signing.
Common questions
Are they the same thing?
No, though the line is blurry. An MCA purchases future receivables at a factor rate; revenue-based financing repays a multiple as a percentage of revenue.
Which flexes more?
Revenue-based financing, where the payment genuinely tracks revenue. Many MCAs debit a fixed daily amount.
Do I need card sales?
For an MCA with split funding, usually. Revenue-based financing looks at total revenue.
What are the minimums?
6 months in business, a 600 FICO, $60,000 in verifiable revenue and an $800 minimum daily balance.
Can I refinance either one?
Yes. A position with a balance of $100,000 or less can often be bought out.