Merchant Cash Advance Reviews
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National Business Capital
Read Review Apply NowNational Business Capital (NBC) is a lending-advisory service that links small business applicants to one of its 75+ lending affiliates. It is suitable for startups, new, and mature-but-credit-challenged businesses. Be cautious that you’re unlikely to get the absolute best rates.
Required Annual Revenue:
$100,000+
Borrowing Amount:
Less than $50,000 up to $1,000,000+
Minimum Time to Funding:
1 day -
Biz2Credit
Read Review Visit SiteBiz2Credit is an alternative lending platform that offers multiple types of financing to small businesses. Biz2Credit is a viable option for many young businesses. It has relaxed borrower requirements but potentially expensive terms and fees.
Minimum Time in Business:
1-2 years
Credit Score:
550+
Borrowing Amount:
Less than $50,000 up to $100,000
Minimum Time to Funding:
1 week or less -
LoanBuilder
Read Review Visit SiteLoanBuilder is a small business loan service offered by PayPal. LoanBuilder stands out with flexible terms, low borrower requirements & relatively inexpensive loans. It may be ideal if your business needs a short-term infusion of capital.
Minimum Time in Business:
Less than 1 year
Credit Score:
550+
Required Annual Revenue:
Less than $100,000
Borrowing Amount:
Less than $50,000 up to $1,000,000
Minimum Time to Funding:
1 day -
Shopify Capital
Read Review Apply NowShopify Capital offers short-term business funding in the form of merchant cash advances and short-term loans. It has relaxed borrower qualifications and competitive terms and fees. Shopify Capital is available to Shopify users only. Despite the potentially high fees, Shopify Capital is certainly worth considering if you are given an offer.
Borrowing Amount:
Less than $50,000 up to $1,000,000
Minimum Time to Funding:
1 day -
National Funding
Read Review Apply NowNational Funding is a lender that provides funding to small businesses that cannot yet get a bank loan. It provides reasonable rates for an alternative lender as long as you fall on the lower range of its factor rates and origination fees.
Minimum Time in Business:
1-2 years
Credit Score:
600+
Required Annual Revenue:
$100,000+
Borrowing Amount:
Less than $50,000 up to $1,000,000
Minimum Time to Funding:
1 day -
Rapid Finance
Read Review Apply NowRapid Finance (formerly Rapid Advance) is an alternative small business funder. It offers merchant cash advances (MCAs) and short-term business loans to small businesses seeking short-term funding. Unlike many of its competitors, it provides a number of variations on the typical MCA, leading to a slightly longer application process but also better rates in many cases.
Minimum Time in Business:
1-2 years
Required Annual Revenue:
Less than $100,000
Borrowing Amount:
Less than $50,000 up to $1,000,000 -
Lendio
Read Review Apply NowLendio is a business financing platform that matches customers to funders, including SBA/PPP lenders. It has a relaxed credit score requirement, and there’s no fee for using the service.
Minimum Time in Business:
1-2 years
Credit Score:
650+
Required Annual Revenue:
Less than $100,000
Borrowing Amount:
Less than $50,000 up to $1,000,000
Minimum Time to Funding:
1 day -
Fora Financial
Read Review Apply NowFora Financial is an alternative small business lender offering merchant cash advances and short-term loans. Despite the potentially high origination fee, Fora Financial’s offerings are competitive with other funders that offer short-term financing.
Minimum Time in Business:
1-2 years
Credit Score:
500+
Required Annual Revenue:
$100,000+
Borrowing Amount:
Less than $50,000 up to $1,000,000
Minimum Time to Funding:
1 week or less -
Credibly
Read Review Visit SiteCredibly is an online lender that offers short-term financing in the form of business loans and merchant cash advances. Credibly’s qualifications are much lower but its origination fee is high. If you’re in a pinch and don’t have access to other financing options, Credibly might be the lender that works for your business.
Minimum Time in Business:
Less than 1 year
Credit Score:
500+
Borrowing Amount:
Less than $50,000 up to $250,000
Minimum Time to Funding:
1 day -
OnDeck
Read Review Apply NowOnDeck is a hugely prolific online small business lender and offers two types of business loans: short term loans and revolving lines of credit. Despite potential drawbacks, if you need a fast loan or don’t qualify elsewhere, it's hard to beat OnDeck.
Minimum Time in Business:
More than 2 years
Credit Score:
600+
Required Annual Revenue:
More than $200,000
Borrowing Amount:
Less than $50,000 up to $1,000,000
Minimum Time to Funding:
1 day
