This engine evaluates your real inputs — not a sales pitch — against three fast-capital tiers with genuinely different underwriting bars, speeds, and costs. Faster tiers are priced lower because they're reserved for the strongest, easiest-to-verify profiles; slower, higher-cost tiers exist specifically to serve weaker profiles honestly, rather than declining them outright. If you already carry 2 or more active MCA positions, this engine flags that directly instead of quietly approving a new stacked position.
Run Your Eligibility Check
Same-Day / Next-Day MCA (Prime)
High ProbabilityStandard MCA
High ProbabilityHigh-Risk / Restructured MCA
High ProbabilityTier Comparison Matrix
Educational estimate using representative underwriting terms, not a guaranteed rate or approval. All effective APR figures use the site's standardized Internal Rate of Return (IRR) method on a $30,000 example advance, annualized over 260 business days.
| Tier | Time to Funds | Min. FICO | Min. ADB | Min. Monthly Revenue | Effective APR (IRR) |
|---|---|---|---|---|---|
| Same-Day / Next-Day MCA (Prime) | 4-24 hours | 620+ | $3,000+ | $15,000+ | ~51.3% |
| Standard MCA | 1-2 business days | 550+ | $500+ | $10,000+ | ~109.3% |
| High-Risk / Restructured MCA | 2-3 business days | 500+ | $500+ | $10,000+ | ~205.3% |
→ For the full factor rate and approval rate benchmarks by industry, see the MCA Industry Benchmarks hub. To check your statement pattern directly, use the bank statement analyzer.
Why Speed Costs Money
On an identical $30,000 advance, the Prime tier's effective APR (~51.3%) is less than a quarter of the High-Risk tier's (~205.3%). Two things drive that gap, and neither is arbitrary:
- Underwriting review time: A strong, easy-to-verify profile can be reviewed and funded in hours. A weaker or unstacked-risk profile requires more manual verification, which a funder prices into the rate.
- Term length: Prime-tier terms tend to run longer (spreading the same nominal cost over more days lowers the annualized rate); high-risk tiers are often priced with shorter terms to limit the funder's exposure, which raises the effective APR for the identical factor rate math.
This is the same reason a lower factor rate doesn't always mean a lower effective APR — see the factor rate to APR calculator to check any specific offer against this same math.
Frequently Asked Questions
Why does faster funding cost more?
Same-day funding is priced for the strongest, lowest-risk profiles specifically because a funder is deploying capital with the least underwriting review time. Weaker profiles (lower ADB, lower FICO, existing stacked positions) shift into slower, higher-cost tiers because the funder needs a higher price to accept the added risk, and often a shorter term to limit exposure -- which itself raises the effective APR.
What if I already have 2 or more active MCA positions?
This engine flags 2+ active positions as a caution rather than encouraging a new stacked position. A same-day/next-day tier is marked ineligible, and the standard tier is marked conditional with an explicit warning — the honest next step for a stacked business is usually consolidation or a direct buyout, not another advance.
Is this a guaranteed approval or rate?
No. This is an educational, algorithmic estimate based on the inputs you provide, using representative underwriting terms — it is not a formal underwriting decision, credit check, or offer. T.A.G. is a commercial capital broker matching applicants to funding partners; actual approval, rate, and terms are determined by the funder's own full underwriting review.