Explanation
MCAs are not loans — they are commercial purchases — and are repaid via daily or weekly automatic withdrawals from the business bank account.
MCAs offer fast access to capital with flexible credit requirements but carry effective APRs that often exceed 60–150%.
Examples
- •Factor rate (e.g. 1.30): pay back $130,000 on $100,000 funded
- •Daily ACH or split processing repayment
- •Funding in 24–72 hours
Find out where you actually stand
Funding readiness scoring, before you apply anywhere.
We review bankability, banking history, business credit file and documentation against what underwriters look for, so an application goes out when it can survive review.