6 Best Merchant Cash Advance Companies 2019

A merchant cash advance (MCA) provides a lump sum cash advance for a percentage of daily credit card receipts. An MCA provider is buying future credit card sales from a business to make the advance. We evaluated the top six MCA providers to determine that National Funding offers the best terms.

Best Merchant Cash Advance Alternative: Fundbox

Fundbox is the best alternative to a merchant cash advance for small businesses. It offers funding up to $100,000 with repayment terms of 12 or 24 weeks. Fundbox bases funding on a company’s accounts receivables and there is no minimum credit score to qualify. The online application takes minutes and funding is available as soon as the same day.

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Top 6 Merchant Cash Advance Companies List 2019

*Last Updated: December 2019

How We Evaluated Merchant Cash Advance Companies

Merchant cash advances are an expensive source of financing, so it’s important to understand the costs and repayment terms. The total capital business owners can get, as well as the speed of funding, are also important factors to evaluate. It’s also important to be mindful of qualification requirements and customer reviews when choosing a provider.

The lender attributes we reviewed for the best merchant cash advance company list included:

• Cash advance amount: The working capital loan size that the merchant cash advance lender will advance.
• Costs: The three primary costs associated with a merchant cash advance include the factor rate, APR, and additional fees.
• Repayment terms: Repayment terms include the repayment period and the average holdback percentage. The holdback percentage is the amount of daily credit card receipts that the merchant cash advance lender collects to repay the advance.
• Qualifications: Typical qualification factors for a merchant cash advance include the time a business is operating and the monthly credit card receipts.
• Time to funding: The time it takes borrowers to receive funding after applying.
• Customer reviews: We also researched what other users thought of the company and how those reviews stacked up against other providers.

Based on the above criteria, National Funding is the best overall pick on our top merchant cash advance companies list. Of all the merchant cash advance providers on our list, National Funding is the only one that does not charge additional fees. National Funding also has the lowest monthly credit card sales requirement and offers the fastest funding of the providers we reviewed.

The top six merchant cash advance companies are:

National Funding: Best Overall Merchant Cash Advance Provider

National Funding is our best overall merchant cash advance provider because, aside from the factor rate of 1.1x to 1.16x, it has no additional fees. Applicants with one year of business operations and $3,000 or more per month in credit card sales can receive up to $250,000 in as little as 24 hours.

National Funding Rates & Fees

With National Funding, business owners can get an MCA of up to $250,000 with factor rates ranging from 1.1x to 1.16x. Unlike the other merchant cash advance lenders on our list, National Funding does not have a loan origination fee associated with its advances.

National Funding rates and fees include:

• Starting factor rate: 1.1 to 1.16 times the loan amount
• Estimated APR: 30% to 150% APR; customized for each borrower
• Additional fees: None

That National Funding does not charge a loan origination fee could be significant for borrowers offered the same factor rate from National Funding and another merchant cash advance lender. For example, if both Fora Financial and National Funding offer a factor rate of 1.1x, an MCA from National Funding will be less expensive because Fora Financial charges an origination fee.

National Funding Merchant Cash Advance Terms

National Funding provides MCAs in amounts up to $250,000. The average holdback percentage on these advances ranges between 15% and 25%, resulting in a repayment term up to 18 months. With National Funding, borrowers can receive merchant cash advance funds in as quickly as 24 hours.

National Funding terms include:

• Loan amount: Up to $250,000
• Holdback percentage: 15% to 25%
• Repayment term and schedule: Up to 18 months with automatic deductions based on daily credit card receivables
• Collateral: Unsecured (blanket UCC filing on business assets is likely)
• Personal guarantee: Likely required
• Speed to funding: Quick online application with approval as soon as the same day and funding in as little as 24 hours

Of the best merchant cash advance lenders on our list, National Funding has the fastest funding time at 24 hours. Compared to CAN Capital and Credibly, which take up to 48 hours, the extra day can make a difference for business owners. BFS Capital and American Express Merchant Financing have extended ranges for the time that it takes to receive funding due to the larger amounts of funding that they offer.

National Funding Merchant Cash Advance Qualifications

To qualify for an MCA through National Funding, a small business needs to have been operating for at least one full year with at least $3,000 per month in credit card sales. National Funding has no minimum credit score requirement for merchant cash advances.

National Funding qualifications include:

• Credit score: No minimum requirement
• Time in business: At least one year
• Annual revenue: No requirement, but it requires monthly credit card transactions over $3,000

At $3,000 per month, National Funding has one of the lowest minimum monthly credit card sales requirements of the providers on our list. For example, Fora Financial only requires three months of business operations but requires $5,000 or more in monthly credit card sales

National Funding Merchant Cash Advance Documentation Requirements

Before applying for a merchant cash advance from National Funding, applicants will want to gather pertinent documents pertaining to their business. Having these documents available will make completing the application easier.

National Funding documentation requirements include:

• Four months of credit card statements
• Four months of bank statements
• Tax returns
• Balance sheet
• Profit and loss statement

What National Funding Is Missing

Overall, National Funding is our choice as the best merchant cash advance provider on this list. The one downside to National Funding’s MCA is that its maximum advance amount is only $250,000. This is less than some other providers that we have reviewed; for example, Fora Financial and BFS Capital can advance up to $500,000. Other merchant cash advance alternatives are also available for larger loan amounts.

What Users Think About National Funding

Most users who left National Funding reviews gave it excellent marks. These positive reviews were focused on National Funding’s excellent customer service and how quickly they can provide funding. The negative reviewers were disappointed in the overall costs associated with the advances, and not understanding the rates and terms upfront.

CAN Capital: Best Merchant Cash Advance Provider for Low Sales

Businesses with monthly credit card sales of at least $4,500 and six months of business operations can get a merchant cash advance from CAN Capital. This combination of requirements allows newer businesses to be eligible. Advance amounts with CAN Capital range from $5,000 to $250,000, with terms up to 13 months for small businesses.

CAN Capital Rates & Fees

The average factor rate CAN Capital charges is between 1.15x and 1.35x. Unlike National Funding, which has no additional fees for its advances, CAN Capital charges an administrative fee of $395 to get funds from it. The factor rate and the administrative fee result in an expected APR of 35% to 200%.

CAN Capital rates and fees include:

• Average factor rate: 1.15x to 1.35x
• Estimated APR: 35% to 200%
• Origination fee: None

The administrative fee for CAN Capital may be less than the providers that charge a percentage as an origination fee. For example, if a business borrows $20,000 from Credibly, the origination fee would be $500, while the same amount from CAN Capital would only have the $395 fixed origination fee.

CAN Capital Merchant Cash Advance Terms

CAN Capital issues merchant cash advances between $2,500 and $250,000 in as quickly as 48 hours to applicants. To repay the advance, CAN Capital will take between 10% and 25% of daily credit card receivables until a business repays the loan in full.

CAN Capital terms include:

• Loan amount: $5,000 to $250,000
• Repayment term: Up to 13 months
• Repayment schedule: Daily payments debited from credit card receivables
• Collateral: Blanket UCC filing on business assets
• Personal guarantee: Required
• Time to funding: As little as two business days

At $250,000, CAN Capital has the same maximum merchant cash advance amount as National Funding and Credibly. Fora Financial offers funding up to $500,000 and American Express Merchant Financing can fund up to $2 million.

CAN Capital Merchant Cash Advance Qualifications

CAN Capital is less restrictive on business qualifications for an MCA than National Funding is. CAN Capital doesn’t have a stated minimum credit score requirement, but a representative at the company informed us that the expectation is for fair to excellent credit. The annual revenue requirement with CAN Capital is also higher than National Funding and can be more difficult to meet for small businesses.

CAN Capital requirements include:

• Personal credit score: No stated minimum, fair to excellent credit expected
• Time in business: At least six months
• Annual revenue: At least $150,000

CAN Capital Merchant Cash Advance Documentation Requirements

When applying for a merchant cash advance from CAN Capital, applicants will want to gather pertinent documents pertaining to their business in advance. Having these documents handy will make completing the application process faster.

CAN Capital documentation requirements include:

• Three months of credit card statements
• Three months of bank statements
• Tax returns
• Balance sheet
• Profit and loss statement

What CAN Capital Is Missing

CAN Capital only has a revenue requirement—and no specific credit card receivables requirement—making it more accessible to businesses. However, at $250,000, CAN Capital has one of the lowest maximum advance amounts of the six providers on our merchant cash advance companies list. For businesses looking to borrow more than $150,000, we recommend reviewing top CAN Capital alternatives.

What Users Think About CAN Capital

Positive user reviews of CAN Capital tout a simple and efficient process with solid customer service. Many customers state that they have used CAN Capital for multiple loans and have had great luck with the company. Negative user reviews are primarily applicants who CAN Capital did not approve or borrowers who feel that the repayment terms are unfair.

Credibly: Best Merchant Cash Advance Lender for Newer Businesses

If a business has been operational for at least six months and has $15,000 in monthly revenue, Credibly can approve and issue a cash advance within 48 hours. Advance amounts range from $5,000 to $400,000, with factor rates ranging from 1.15x to 1.41x. Credibly charges a 2.5% origination fee, and its average holdback percentage is 10% to 25%.

Credibly Rates & Fees

Credibly charges an average factor rate between 1.15x and 1.41x of the amount advanced. Unlike National Funding, which doesn’t charge any fees, Credibly charges a loan origination fee equal to 2.5% of the advance amount.

Credibly rates and fees include:

• Average factor rate: 1.15x to 1.41x
• Estimated APR: 40% to 250%
• Additional fees: 2.5% origination fee

Credibly Merchant Cash Advance Terms

Credibly provides merchant cash advances from $5,000 to $400,000 within 48 hours and takes between 10% and 25% of a company’s daily credit card receipts for payment. The result is an MCA term between three and 18 months, depending on the volume of daily credit card transactions and holdback percentage.

Credibly terms include:

• Cash advance amount: $5,000 to $400,000
• Average holdback percentage: 10% to 25%
• Typical repayment term: Three to 18 months
• Time to funding: 48 hours

Credibly Merchant Cash Advance Qualifications

To be eligible for a merchant cash advance through Credibly, a business needs to have been in operation for at least six months with $15,000 or more in monthly revenues. Credibly also requires applicants to have a credit score of at least 500 to qualify for its MCA.

Credibly qualifications include:

• Time in business: At least six months
• Monthly revenue: At least $15,000 on average
• Credit score: At least 500 (check your score for free)

Unlike National Funding and CAN Capital, which have a set qualification requirement based on monthly credit card sales, Credibly qualifies applicants based on their gross monthly revenues. This may give borrowers more latitude to qualify than basing the requirement on credit card sales revenue. However, for businesses with low volume credit card sales, repayment will take longer.

Credibly Merchant Cash Advance Documentation Requirements

Before applying for a merchant cash advance from Credibly, we recommend that applicants gather pertinent business documents, as having these documents available in advance will streamline the application process.

Credibly documentation requirements include:

• Three months of credit card statements
• Three months of bank statements
• Tax returns
• Balance sheet
• Profit and loss statement

What Credibly Is Missing

Credibly is the best fit for newer businesses with its low time in business requirement of six months. While Credibly’s origination fee is lower than the 4% fee of Fora Financial, borrowers looking for a lower fee can use CAN Capital, which has a fixed origination fee of $395. For applicants with a credit score greater than 500, National Funding might be a better fee-free option.

What Users Think About Credibly

The vast majority of Credibly’s reviews came from customers happy with the company. Positive user reviews rave about the professionalism of the loan representatives, the attentiveness of Credibly’s customer service, and the efficiency of the process. Negative user reviews are limited and seem to focus on confusion over varying loan terms.

Fora Financial: Best Merchant Cash Advance Provider for Startups

If a business is starting out and has only been operating for six months, Fora Financial can issue a cash advance within 72 hours. Advance amounts range from $5,000 to $500,000, with factor rates ranging from 1.15x to 1.33x. Fora Financial charges a 1% to 4% origination fee, and its average holdback percentage is 15% to 25%.

Fora Financial Rates & Fees

Fora Financial charges a factor rate between 1.15x and 1.33x of the amount advanced. Unlike National Funding, which doesn’t charge any fees, Fora Financial charges a loan origination fee equal to 4% of the advance amount.

Fora Financial rates and fees include:

• Average factor rate: 1.15x to 1.33x
• Estimated APR: 35% to 175%
• Additional fees: 1% to 4% origination fee

Fora Financial Merchant Cash Advance Terms

Fora Financial provides merchant cash advances from $5,000 to $500,000 within 72 hours and takes between 15% and 25% of a company’s daily credit card receipts for payment. The result is an MCA term between four and 18 months, depending on the volume of daily credit card transactions and holdback percentage.

Fora Financial terms include:

• Cash advance amount: $5,000 to $500,000
• Average holdback percentage: 15% to 25%
• Repayment term: Four to 18 months
• Time to funding: 72 hours

Fora Financial offers up to $500,000 for a merchant cash advance, which is twice the amount available from National Funding or Credibly. However, borrowers have to wait a little longer to receive funding because it can take up to 72 hours to receive an MCA through Fora Financial.

Fora Financial Merchant Cash Advance Qualifications

To qualify for a merchant cash advance from Fora Financial, a business needs to have been operational for at least six months. Business owners need to have at least $5,000 in monthly credit card sales and a minimum of $10,000 in gross monthly revenues. Fora Financial does not have a stated minimum credit score requirement.

Fora Financial qualifications include:

• Time in business: At least six months
• Monthly sales revenue: $5,000 in monthly credit card sales and $10,000 in monthly revenue
• Credit score: No stated minimum requirement

Fora Financial has a short time-in-business requirement of only six months. CAN Capital also requires six months of business operations, while BFS Capital requires nine months, and National Funding requires a full year.

Fora Financial Merchant Cash Advance Documentation Requirements

Before applying for a merchant cash advance from Fora Financial, business owners will want to gather pertinent documents pertaining to their business, as this will help make applying simpler. Applicants need three months of credit card processing statements and bank statements, prior year tax returns, a current balance sheet, and a profit and loss statement.

Fora Financial documentation requirements include:

• Three months of credit card statements
• Three months of bank statements
• Tax returns
• Balance sheet
• Profit and loss statement

What Fora Financial Is Missing

Despite offering merchant cash advances to businesses that have been in operation for only six months, Fora Financial requires $5,000 of monthly credit card sales. Fora Financial’s origination fee would be burdensome depending on the amount borrowed, while lenders like National Funding do not have any origination fees.

What Users Think About Fora Financial

Fora Financial customer reviews are positive around the web. Users have enjoyed positive customer service experiences, fast turnaround times, and clear and concise explanations of products. The negative reviews remain positive regarding customer experiences and interactions with the company but cite the daily payback as burdensome to their businesses.

BFS Capital: Best Business Cash Advance Provider for Long Repayment Terms

For businesses looking for a large advance with long repayment terms, BFS Capital may be their solution. It can issue a cash advance within two to seven days. Advance amounts range from $5,000 to $500,000, with factor rates from 1.11x to 1.49x. BFS Capital charges an administrative fee ranging from $275 to $475, and its average holdback percentage is 10% to 25%.

BFS Capital Rates & Fees

The average factor rate BFS Capital charges is between 1.11x and 1.49x of the total amount of funds borrowed. Unlike National Funding, which has no additional fees for its business cash advances, BFS Capital is like CAN Capital because it charges an administrative fee. The administrative fee ranges from $275 to $475.

BFS Capital rates and fees include:

• Average factor rate: 1.11x to 1.49x
• Estimated APR: 30% to 250%
• Additional fees: $275 to $475 administrative fees

BFS Capital Merchant Cash Advance Terms

BFS Capital provides business cash advances from $5,000 to $500,000 within two to seven days and takes between 10% and 25% of a company’s daily credit card receipts for payment. The result is an MCA term between four and 21 months, depending on the volume of daily credit card transactions and holdback percentage.

BFS Capital terms include:

• Cash advance amount: $5,000 to $500,000
• Average holdback percentage: 10% to 25%
• Typical repayment term: Four to 21 months
• Time to funding: Two to seven days

BFS Capital provides the same funding limit as National Funding but takes much longer for processing and approval. American Express Merchant Financing can provide a loan up to $2 million to merchants that accept American Express with a similar funding speed to BFS Capital.

BFS Capital Merchant Cash Advance Qualifications

BFS Capital has more restrictive annual revenue qualifications than many of the business cash advance providers on our list. It requires that business owners have monthly revenues over $8,000 and that the business has been in operation for at least nine months.

BFS Capital qualifications include:

• Time in business: At least nine months
• Monthly sales revenue: At least $8,000 in monthly revenue and $4,000 in monthly credit card sales
• Credit score: No stated minimum

BFS Capital Merchant Cash Advance Documentation Requirements

Before applying for a business cash advance from BFS Capital, merchants will want to gather pertinent documents pertaining to their business. Having these documents available in advance makes applying faster. Applicants will need three months of credit card processing statements and bank statements, prior year tax returns, a current balance sheet, and a profit and loss statement.

BFS Capital documentation requirements include:

• Three months of credit card statements
• Three months of bank statements
• Tax returns
• Balance sheet
• Profit and loss statement

What BFS Capital Is Missing

BFS Capital offers business owners long repayment terms, allowing small business owners to spread out repayment over almost two years. However, with the highest monthly revenue requirements of the providers we have reviewed in this article, BFS Capital is likely not the best option for emerging businesses.

What Users Think About BFS Capital

BFS Capital has a lot of happy users, with excellent online reviews. Customers praise the company regarding customer service, ease of the process, and timeliness. The negative reviews available highlighted the high repayment costs typical with business cash advances and not an issue limited to BFS Capital.

American Express Merchant Financing: Alternative Funding Option for Businesses Accepting American Express

American Express Merchant Financing is not an MCA, but rather a short-term loan available only to businesses that accept American Express credit card payments. American Express Merchant Financing offers loans up to $2 million for a fixed fee ranging from 1.75% to 20%, depending on the term.

American Express Merchant Financing Rates & Fees

Instead of interest, American Express Merchant Financing charges a fixed fee for its loans, and those fees vary by the term of the loan. Six-month loans have fixed fee rates ranging from 1.75% to 8%, 12-month loans have rates ranging from 3.5% to 12%, and 24-month loans have rates of 7% to 20%.

American Express Merchant Financing rates and fees include:

• Fixed fee: 1.75% to 20%
• Estimated APR: 3.5% to 20%
• Additional fees: None

If a business accepts American Express credit card transactions, a loan through American Express Merchant Financing will be a less expensive financing solution than a merchant cash advance would be.

For example, if a business borrows $10,000 with a six-month term from American Express Merchant Financing, at a fixed fee of 8%, the total repayment would be $10,800. With an MCA (even from a lender that has no additional fees) and the lowest factor rate of 1.15x, that same $10,000 would cause a cost of capital of $11,500.

American Express Merchant Financing Loan Terms

American Express Merchant Financing offers loans in amounts ranging from $5,000 to $2 million, with repayment terms of six, 12, or 24 months to borrowers. The time to funding varies based on the dollar amount borrowed, with smaller amounts taking as little as two days, and amounts over $750,000 taking up to seven days.

American Express Merchant Financing terms include:

• Loan amount: $5,000 to $2 million
• Typical repayment term: Six, 12, or 24 months
• Time to funding: Two to 10 days

The loan amounts offered and the time to funding for American Express Merchant Financing are like those offered with a business cash advance from BFS Capital. The largest difference between these two borrowing options is the overall cost of capital—a loan from American Express Merchant Financing will be a much less expensive source of financing.

American Express Merchant Financing Loan Qualifications

American Express Merchant Financing requires 24 months of business operations, which is greater than National Funding’s one-year requirement. It also requires that a business have $50,000 in annual revenue and $12,000 in annual credit card sales. These revenue requirements are lower than most of the providers on this list.

American Express Merchant Financing qualifications include:

• Time in business: At least 24 months
• Annual business revenue: At least $50,000
• Annual credit card sales: At least $12,000
• Credit score: At least 600 (check your score for free)

American Express Merchant Financing Loan Documentation Requirements

Before applying for American Express Merchant Financing, business owners will want to gather the relevant business documents to make applying easy. Applicants need three months of credit card processing statements and bank statements, prior year tax returns, a current balance sheet, and a profit and loss statement.

American Express Merchant Financing documentation requirements include:

• Three months of credit card statements
• Three months of bank statements
• Tax returns
• Balance sheet
• Profit and loss statement

What American Express Merchant Financing Is Missing

American Express Merchant Financing is the least expensive option on our list and offers funding up to $2 million. However, unlike the other providers on this list, American Express Merchant Financing only provides financing to businesses that accept American Express credit card payments. If a business does not accept American Express, it won’t be able to use this financing method.

What Users Think About American Express Merchant Financing

We could not find American Express Merchant Financing reviews, either positive or negative. Reviews for American Express were from customers who are cardholders or American Express merchants. However, those reviews were positive and can provide insight into the level of service customers can expect.

What a Merchant Cash Advance Is

A merchant cash advance is financing for small businesses that accept credit card payments from customers. This advance is more expensive and has lower minimum qualifications than other financing products. Borrowers make payments daily as a holdback percentage from credit card receivables for that day.

Best Merchant Cash Advance Alternatives

Given the high cost of an MCA, business owners should consider other financing sources before deciding on a merchant cash advance. Most business owners who are considering an MCA need funding quickly and thus seek a fast business loan.

The best merchant cash advance alternatives with quick funding include:

Fundbox: For a Small Business Line of Credit

Fundbox offers a small business line of credit up to $100,000, with rates starting as low as 4.66% and terms of either 12 or 24 weeks. It has no minimum credit score requirement and no monthly income requirements to qualify. Businesses that have been operational for at least six months may be eligible for a line of credit through Fundbox.

BlueVine: For a Line of Credit, Term Loan, or Invoice Factoring

BlueVine offers a small business line of credit and term loan up to $250,000 and invoice factoring up to $5 million. Business owners with credit scores of at least 600 or 530 for invoice factoring and $100,000 in annual revenue are eligible for financing from BlueVine.

LoanBuilder: For a Short-term Small Business Loan

LoanBuilder offers term loans from $5,000 to $500,000, with no origination fees, prepayment penalties, or additional fees. Repayment terms are 13 to 52 weeks, and interest rates range from 2.9% to 18.72% (12% to 136% APR). Businesses with at least nine months of operations and $42,000 or more in annual revenues can apply online and receive funds as soon as the next business day.

Square Capital: A Short-term Loan for Businesses That Use Square

Square Capital offers loans up to $250,000 to businesses that use Square to process their sales. These loans have a factor rate ranging from 1.10x to 1.16x, resulting in an expected APR of 20% to 80%. Repayment terms extend from one to 18 months, and it collects payments daily through Square point-of-sale (POS) transactions.

PayPal Working Capital: A Short-term Loan for Businesses That Use PayPal

PayPal Working Capital offers loans up to $250,000 to borrowers who process their payments through PayPal. PayPal Working Capital loans charge a factor rate up to 1.30x, and it collects payments daily based on a fixed percentage of PayPal sales. If a business has been operational for at least three months and has annual revenues of $15,000 or more, it may be eligible for a PayPal Working Capital loan.

Pros & Cons of a Merchant Cash Advance

A merchant cash advance is expensive and requires daily payments made out of credit card receivables. However, for some business owners, it may be the only funding option because of its low minimum qualifications and convenient funding speeds. Although business owners have little control over the repayment amount, the automatic payments are easier to manage and budget for than other financing options.

Pros of a Merchant Cash Advance

Some advantages of an MCA include:

• Low minimum qualifications: Low minimum credit scores and time in business requirements are a staple of merchant cash advance lenders. This gives small business owners an opportunity to qualify for funding after being turned down by other lenders.
• Quick funding speeds: Like many online business loans, merchant cash advance providers offer funding within the same week that it approves an application. This gives business owners access to quick capital to address emergencies and take advantage of opportunities.
• Easy to manage repayment: Lenders deduct automatic daily payments from a merchant cash advance, which they calculate as a percentage of credit card receivables for that day. This makes it an easy financing option to manage for small business owners.

Cons of a Merchant Cash Advance

Some disadvantages of an MCA include:

• Little control over repayment schedule: Business owners make automatic daily payments, so slow months result in low payment amounts and busy seasons result in higher payments. This leaves business owners with limited control over the repayment schedule of a merchant cash advance.
• High overall costs for funding: The overall cost of a merchant cash advance is a major drawback because lenders calculate rates as a set fee and can result in APRs over 200%.
• Frequent payments: Making daily payments can be convenient, but can also put a strain on working capital. Lenders withdraw daily payments without considerations for taxes and tips, which can be damaging to the working capital position of a business.

Bottom Line

Merchant cash advances are short-term financing options for businesses in need of a quick source of funds for working capital. However, MCAs are expensive and business owners use them as a last resort for small businesses. Still, they are a viable option if a business works with a reputable merchant cash advance company.

For businesses looking for a merchant cash advance provider that does not charge additional fees and can fund their advance, National Funding is a great choice. Borrowers can receive a merchant cash advance of up to $250,000, with a factor rate ranging from 1.1x to 1.16x, in as little as 24 hours.

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