Bank said no? Established businesses doing $60K+ a month can see how an MCA and a working capital loan differ, and which one suits a lumpy month.
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An MCA buys a share of future sales; a working capital loan runs on a payment schedule. Both come through our partner, Merchant Fund Express.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
5 minutes to apply, about 3 months of bank statements, no tax returns. Funding in as little as 24 hours if you qualify.
FICO 500+ considered. Soft pull to start, and steady deposits carry a lot of weight.
The full repayment amount is in your offer before you accept. No surprise costs once you sign.
Your offer lays out the repayment schedule up front, so a slow month is not a surprise.
A working capital loan is borrowed money you pay back on a schedule. A merchant cash advance is a funder buying part of your future sales for cash today, then collecting from your revenue. Same goal, different structure. Both are available through our partner Merchant Fund Express, from $25,000 to $5,000,000 for qualified businesses.
| MCA | Working capital loan | |
|---|---|---|
| Legal structure | Purchase of future receivables | Loan |
| Repayment | From sales, fixed debit or a percentage | Scheduled payments |
| Total cost | Set at the start | Depends on the loan terms |
| Main thing reviewed | Sales and deposits | Deposits, revenue and credit |
| Slow month | Percentage-based payments may shrink with sales | Payment usually stays the same |
Every agreement is different. Read yours line by line.
Your sales are strong but your credit took a hit. Your revenue swings with the seasons and you want payments that track it. You have one clear use for the cash and want it moving fast. Card-heavy businesses like restaurants and salons often land here. Details on our merchant cash advance page.
You want a predictable payment you can plug into a budget. Your revenue is steady month to month. You are planning, not reacting. A fixed schedule is easier to forecast, as long as you know your low months can carry it. See working capital for more.
For illustration only. Say a medical billing firm deposits about $110,000 most months but drops to $70,000 every August. On a fixed payment, August is the month to stress test: can the account cover it with room to spare? On a percentage-based remittance, the payment may ease when deposits drop, but the total owed does not change. Neither is better in general. The right one is the one your worst month can handle.
Bank said no? You are in the right place. We serve established businesses doing $60K or more a month with credit that is not perfect.
Apply in 5 minutes. Funding can arrive in as little as 24 hours for qualified businesses.
No. It is a purchase of future sales. That is why it is reviewed mostly on revenue and deposits rather than credit alone.
It depends entirely on the offer. Compare the total amount you will repay and the payment schedule, not just the headline number.
It depends on the agreement. Ask before you sign whether early payment changes what you owe.
We start with a soft credit pull, which does not affect your score.
Funding is provided through our partner Merchant Fund Express.
Yes. Sole proprietors can apply for both. Have about three months of the bank statements where your business revenue lands.
Example uses for illustration only.
Before you compare offers, tighten up these basics:
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding