{"ok":true,"source":"Industry-typical benchmark data compiled and analyzed by funding.towersassetgroup.com","license":"CC BY 4.0","licenseUrl":"https://creativecommons.org/licenses/by/4.0/","description":"Merchant cash advance benchmarks by industry: advance range, average factor rate, holdback percentage, approval rate, typical term, and best time to apply, for 16 industries.","allIndustryAverageFactorRate":1.29,"period":"January 2025 – June 2026","methodology":"Factor rates reflect median first-position advance. Ranges represent 25th-75th percentile of observed offers. Approval rates reflect complete applications.","canonicalPage":"https://funding.towersassetgroup.com/mca-industry-benchmarks","count":16,"data":[{"slug":"dental-practices","name":"Dental Practices","advanceRangeUsd":[20000,400000],"avgFactorRate":1.2,"holdbackPct":[8,12],"approvalRatePct":74,"typicalTermMonths":[8,14],"bestTimeToApply":"Year-round"},{"slug":"medical-healthcare","name":"Medical / Healthcare","advanceRangeUsd":[15000,350000],"avgFactorRate":1.22,"holdbackPct":[8,12],"approvalRatePct":72,"typicalTermMonths":[7,12],"bestTimeToApply":"Year-round"},{"slug":"manufacturing","name":"Manufacturing","advanceRangeUsd":[20000,350000],"avgFactorRate":1.24,"holdbackPct":[10,14],"approvalRatePct":70,"typicalTermMonths":[7,12],"bestTimeToApply":"Year-round"},{"slug":"staffing-agencies","name":"Staffing Agencies","advanceRangeUsd":[15000,300000],"avgFactorRate":1.25,"holdbackPct":[8,12],"approvalRatePct":69,"typicalTermMonths":[6,10],"bestTimeToApply":"Year-round"},{"slug":"hvac-contractors","name":"HVAC Contractors","advanceRangeUsd":[10000,250000],"avgFactorRate":1.26,"holdbackPct":[10,15],"approvalRatePct":68,"typicalTermMonths":[6,10],"bestTimeToApply":"Peak season"},{"slug":"auto-repair","name":"Auto Repair","advanceRangeUsd":[10000,150000],"avgFactorRate":1.27,"holdbackPct":[10,14],"approvalRatePct":66,"typicalTermMonths":[5,8],"bestTimeToApply":"Year-round"},{"slug":"general-contractors","name":"General Contractors","advanceRangeUsd":[15000,300000],"avgFactorRate":1.28,"holdbackPct":[10,15],"approvalRatePct":67,"typicalTermMonths":[6,10],"bestTimeToApply":"Spring"},{"slug":"roofing-contractors","name":"Roofing Contractors","advanceRangeUsd":[15000,275000],"avgFactorRate":1.29,"holdbackPct":[12,16],"approvalRatePct":65,"typicalTermMonths":[5,9],"bestTimeToApply":"Storm season"},{"slug":"landscaping","name":"Landscaping","advanceRangeUsd":[10000,150000],"avgFactorRate":1.3,"holdbackPct":[12,16],"approvalRatePct":62,"typicalTermMonths":[4,7],"bestTimeToApply":"Spring"},{"slug":"restaurants-food-service","name":"Restaurants / Food Service","advanceRangeUsd":[10000,175000],"avgFactorRate":1.31,"holdbackPct":[12,18],"approvalRatePct":61,"typicalTermMonths":[5,8],"bestTimeToApply":"Spring / Summer"},{"slug":"cleaning-services","name":"Cleaning Services","advanceRangeUsd":[5000,100000],"avgFactorRate":1.31,"holdbackPct":[10,15],"approvalRatePct":60,"typicalTermMonths":[4,7],"bestTimeToApply":"Year-round"},{"slug":"trucking-transportation","name":"Trucking / Transportation","advanceRangeUsd":[10000,250000],"avgFactorRate":1.32,"holdbackPct":[12,18],"approvalRatePct":63,"typicalTermMonths":[5,9],"bestTimeToApply":"Year-round"},{"slug":"retail","name":"Retail","advanceRangeUsd":[10000,200000],"avgFactorRate":1.33,"holdbackPct":[10,18],"approvalRatePct":58,"typicalTermMonths":[4,7],"bestTimeToApply":"Pre-holiday"},{"slug":"gyms-fitness-studios","name":"Gyms / Fitness Studios","advanceRangeUsd":[5000,125000],"avgFactorRate":1.34,"holdbackPct":[12,18],"approvalRatePct":57,"typicalTermMonths":[4,7],"bestTimeToApply":"Jan – Mar"},{"slug":"salons-beauty","name":"Salons / Beauty","advanceRangeUsd":[5000,100000],"avgFactorRate":1.35,"holdbackPct":[12,18],"approvalRatePct":56,"typicalTermMonths":[4,7],"bestTimeToApply":"Year-round"},{"slug":"food-trucks","name":"Food Trucks","advanceRangeUsd":[5000,75000],"avgFactorRate":1.38,"holdbackPct":[14,20],"approvalRatePct":52,"typicalTermMonths":[3,6],"bestTimeToApply":"Peak season"}]}