Not sure where to begin?
Choose the scenario that best describes where you are right now.
Ready to Apply Now
I have 6+ months in business and $4K–$6K+ monthly deposits. I want to know my approval odds.
Get My Score →Just Got Declined
My bank or lender said no. I need to understand my options immediately.
Recovery Guide →Planning Ahead
I want to understand funding options before I need them and improve my approval odds.
Improvement Guide →Figuring Out How Much I Need
I'm not sure how much to request or what my payments would look like.
Open Calculator →Calculators & Assessments
Get instant answers based on your specific numbers.
Fundability Score Assessment
Get a 0–100 fundability score based on your revenue, time in business, funding request, and industry. See your approval probability in under 2 minutes.
Get My Score →Funding Readiness Assessment
15-question guided assessment that evaluates your revenue consistency, documentation, and business health. Get a personalized readiness report with action items.
Start Assessment →MCA Calculator
Calculate your total repayment, daily or weekly payment, and effective cost of capital for any merchant cash advance. Compare up to 3 funding scenarios side by side.
Open Calculator →Working Capital Calculator
Calculate your current working capital position, cash flow runway, and funding gap. Know exactly how healthy your business cash position is right now.
Short-Term Loan No Collateral RequiredWorking Capital Loan
Compare MCA, SBA, LOC, and factoring for working capital. Which do you qualify for?
Open Calculator →Revenue Gap Calculator
Find out exactly how much funding you need to bridge a revenue shortfall. Calculate your monthly gap, total need, and recommended funding amount with estimated payments.
Open Calculator →Funding Qualification Checklist
Interactive 20-item checklist covering revenue, documentation, business history, and health. See your readiness score and exactly what to prepare before applying.
Open Checklist →In-Depth Business Funding Guides
Substantive, practical guides written for business owners — not bankers.
Underwriting Preparation Guide
Learn exactly what underwriters look for, how to read your own bank statement, and how to position your application for maximum approval odds before you submit.
Read Guide →Bank Turndown Recovery Guide
Just got declined by your bank? This guide explains why banks decline, what your options are in the next 72 hours, and how MCA criteria differ from bank standards.
Read Guide →Funding Denial Recovery Guide
Decode your denial reason, build a 30-day recovery plan, and learn when bridge funding makes sense. Covers bank, SBA, online lender, and MCA denials.
Read Guide →Approval Odds Improvement Guide
The 5 factors that determine your approval odds and exactly how to improve each one. Includes 30/60/90-day improvement timelines and what a strong applicant profile looks like.
Read Guide →How Business Funding Works
Six steps from application to funded. Full funding timeline, required documents, what underwriters look for, success story profiles, and answers to 8 common pre-application questions.
See the Process →MCA Market Research & Benchmark Data
Original data studies and industry benchmarks — real numbers you can use to evaluate offers, negotiate terms, and cite in editorial content.
2026 MCA Market Report
Origination volume, approval rates, factor rate trends, average advance size, and industry distribution. The annual alternative lending benchmark.
View Report →MCA Factor Rate Study
Industry benchmark data compiled and analyzed by T.A.G. Business Funding: average factor rates by 12 industries and 4 credit score tiers. Methodology included. Freely citable.
View Study →Restaurant MCA Benchmark
Factor rates by 7 restaurant types, seasonal cash flow patterns, and what underwriters actually look for in food service applications.
View Benchmark →HVAC Funding Benchmark
HVAC contractor factor rates by business profile, seasonal advance patterns, advance-to-revenue ratios, and approval drivers specific to HVAC.
View Benchmark →Trucking MCA Benchmark
Factor rates by 6 carrier types, freight factoring vs. MCA comparison, fuel advance data, and approval drivers for owner-operators and fleets.
View Benchmark →MCA Rates 2026 — Full Breakdown
Average factor rates by 10 industries, 6 FICO tiers, and 5 advance size ranges. What drives your rate up or down. Includes embed code and CSV download.
View Rate Benchmarks →Minority-Owned Business Funding
MCA, SBA 8(a), CDFI loans, and grants compared for minority-owned businesses. Qualification requirements, factor rates, and approval drivers by product.
View Guide →Decision Tools & Comparison Calculators
Use these tools to make faster, better-informed funding decisions before you apply or sign anything.
Factor Rate to APR Converter
Convert any MCA factor rate to APR instantly. Shows true APR, dollar cost, and how your rate compares to industry averages by credit tier.
Open Converter →Business Funding Decision Tree
Answer 5 questions and get a recommended financing path for your exact situation — MCA, SBA, line of credit, or equipment financing.
Start Tool →Business Funding Comparison
Live calculator: enter your amount and factor rate to compare total cost across MCA, SBA loan, line of credit, and equipment financing side by side.
Compare Costs →ISO Red Flag Checker
Interactive tool: check 15 red flags of an untrustworthy MCA broker. Get a risk score before submitting your application or signing a contract.
Check My Broker →MCA Guides, Checklists & Glossary
Operational guides and references for business owners evaluating, applying for, or managing a merchant cash advance.
MCA Application Documents Checklist
Interactive checklist: 7 required documents, bank statement red flags underwriters check, preferred supporting docs, and 5-step process timeline.
Open Checklist →Before You Sign: MCA Contract Checklist
20-point checklist covering disclosures, fees, stacking clauses, confession of judgment, and UCC-1 — know what you're signing before you sign it.
Read Checklist →Small Business Cash Flow Guide
The 4 cash flow gap types, which financing tool solves each, when NOT to use debt financing, and 10 free cash flow tactics for small businesses.
Read Guide →MCA Renewal Guide
When funders offer renewals, factor rate compression by cycle, renewal vs. stacking, and 10 questions to ask before agreeing to renew.
Read Guide →MCA Glossary
35+ merchant cash advance terms defined in plain English — factor rate, holdback, position, stacking, COJ, UCC-1, split withholding, ISO, and more. Searchable.
Browse Glossary →Funding by Industry
Industry-specific MCA rates, approval drivers, and financing options for your specific business type.
Healthcare Business Funding
MCA rates by 8 healthcare practice types, medical A/R factoring vs. MCA comparison, and financing options for medical, dental, and home health agencies.
View Guide →Auto Repair Shop Funding
Factor rates by shop type, seasonal cash flow patterns, equipment financing vs. MCA, and approval drivers for auto repair, body shops, and tire shops.
View Guide →Beauty Salon & Spa Funding
Factor rates by salon type, booth rent model underwriting impact, seasonal patterns, and approval drivers for hair salons, spas, and nail salons.
View Guide →MCA vs. SBA Loan Comparison
Total cost, speed, qualification matrix, 8 decision scenarios, bridge-to-SBA strategy, and credit score requirements compared head-to-head.
All Funding Options
Compare MCA, SBA loans, lines of credit, factoring, and equipment financing side-by-side.
View Comparison →Ready to apply?
Decisions in 24–48 hours. No collateral required. 500+ credit score accepted.
Takes 10 minutes. We review bank statements, not just credit scores.
Frequently Asked Questions
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A merchant cash advance (MCA) is a commercial transaction in which a business receives a lump sum of capital in exchange for a portion of its future revenue. Unlike a bank loan, an MCA is not a loan — it is a purchase of future receivables. This distinction means MCAs are not subject to TILA or Regulation Z, can fund significantly faster (24–48 hours vs. weeks), and are evaluated primarily on revenue and cash flow rather than collateral and credit score alone. Minimum requirements are generally 6 months in business, $4,000+ in monthly deposits, and a 500+ credit score.
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No. While credit score is one factor, MCA underwriting is primarily cash-flow based. We look at your business bank statements to verify consistent deposits and revenue patterns. A business with $15,000/month in deposits and a 540 credit score will often qualify, while a business with a 700 score and inconsistent deposits may not. The fundability score tool on this page will show you exactly how your profile scores across all factors.
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The core requirement is 6 consecutive months of business bank statements. You will also need a completed application (takes about 10 minutes), a voided business check, and a government-issued ID. Unlike bank loans, you generally do not need tax returns, financial statements, business plans, or collateral documentation to get started. See the Funding Qualification Checklist for a complete pre-application checklist.
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From application to funding: typically 24–48 business hours. The application takes about 10 minutes to complete. Bank statements are reviewed same-day when submitted before 2 PM ET. An offer is typically made within 24 hours and funds wire to your business account within 24–48 hours of acceptance. This is substantially faster than SBA loans (weeks to months) or traditional bank loans.
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A factor rate is a decimal multiplier applied to your advance amount to determine your total repayment. For example, a $50,000 advance at a 1.30 factor rate means you repay $65,000 total — the $15,000 difference is the cost of capital. Factor rates typically range from 1.10 to 1.50 depending on business health, industry, and advance size. Use the MCA Calculator on this page to calculate your exact total repayment and daily/weekly payment for any advance scenario.