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Merchant Cash Advance Comparison

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Ease of ApplicationExcellentExcellentGoodExcellentExcellent
Customer SupportExcellentExcellentExcellentGoodExcellent
Borrower Qualifications
Required Time in Business12 months6 months12 months9 months6 months
Required Credit Score600550500550500
Required Revenue$100K/yr$10K/moMonthly: process a minimum of $5,000 in credit card sales OR $12,000 minimum in gross salesN/A$10K/mo
Product Details
Products OfferedShort-term loan and line of creditTerm loan, merchant cash advance, short term loan, SBA loan, business line of credit, business credit card, equipment financing, invoice financingMerchant cash advance, short term loanShort-term loansShort-term loan
Borrowing Amount$5K - $500K$2K - $5M$5,000 - $500,000$5K - $500K$5K - $400K
Term Length3 - 36 monthsVarious options4 - 16 months13 - 52 weeks6 - 24 Months
Interest or Factor Rate0.4% - 0.43% of the borrowing amount/moAs low as 2%10% - 30% of the borrowing amount2.9% - 18.72% of the borrowing amountStarts at x1.09 factor rate or 9.99% - 36% interest rate
Other Fees0% - 4% origination feeNone1% - 4% origination feeNone2.5% origination fee
Time to Funding2 - 5 daysOffers in 1 - 2 days2 - 4 days1 - 3 days2 - 5 Days
Repayment FrequencyDaily or weeklyVariesTailored to business revenueWeeklyDaily or weekly
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We Recommend Fattmerchant πŸ†

Fattmerchant is one of our top picks for Credit Card Processing!

 

 

We love Fattmerchant as a credit card processor for its predictable pricing, excellent service, and integrated billing features. Get started today and get your first month for $5 with an exclusive Merchant Maverick promo.

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We Recommend BlueVine Business Checking πŸ†

BlueVine Business Checking is one of our top picks for Business Checking!

 

 

BlueVine's small business checking has a 1.0% APY, no minimum deposit or balance, and no monthly service fees. Sign up for free.

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We Recommend PaymentCloud πŸ†

PaymentCloud is one of our top picks for credit card processing!

 

 

We love PaymentCloud's predictable pricing and excellent service.

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We Recommend PaymentCloud πŸ†

PaymentCloud is one of our top picks for credit card processing!

 

 

We love PaymentCloud's predictable pricing and excellent service.

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We Recommend Donorbox πŸ†

Donorbox is one of our top picks for Donation Systems!

 

 

Donorbox is a versatile, feature-rich, and easy-to-use donation management system that can help you attract more recurring donors. Get started today for free.

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We Recommend BigCommerce πŸ†

BigCommerce is one of our top picks for eCommerce Platforms!

 

 

Bigcommerce offers exceptional tools for all eCommerce businesses from startups looking to build a site to enterprise-level systems. Now get a 15-day free trial + one month free when you upgrade!

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We Recommend Fattmerchant πŸ†

Fattmerchant is one of our top picks for Credit Card Processing!

 

 

We love Fattmerchant as a credit card processor for its predictable pricing, excellent service, and integrated billing features. Get started today and get your first month for $5 with an exclusive Merchant Maverick promo.

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We Recommend Helcim πŸ†

Helcim is one of our top picks for payment processing!

 

 

Helcim has exceptional service and an advanced platform that we highly recommend for businesses in Canada and the US. Get three months free when you sign up with Helcim through our links!

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We Recommend PaymentCloud πŸ†

PaymentCloud is one of our top picks for credit card processing!

 

 

We love PaymentCloud's predictable pricing and excellent service.

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We Recommend OnDeck πŸ†

OnDeck is one of our top picks for Business Loans!

 

 

OnDeck is our featured vendor for business loans and lines of credit. If you have at least one year in business, a personal credit score of 600 or higher, and $100K in annual revenue, OnDeck is ready to help your business get funded.

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We Recommend Lendio πŸ†

Lendio is one of our top picks for PPP/Business Financing!

 

 

Lendio is a free-to-use marketplace that allows you to compare lenders side-by-side. Easily find PPP/SBA loans alongside other financing options.

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We Recommend PaymentCloud πŸ†

PaymentCloud is one of our top picks for credit card processing!

 

 

We love PaymentCloud's predictable pricing and excellent service.

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We Recommend ADP Payroll πŸ†

ADP Payroll is one of our top picks for Payroll Software!

 

 

Our reviewers like ADP Payroll for its advanced employee management, strong payroll features, and great customer support.πŸ‘

For a limited time, get three months free when you sign up via our links!

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We Recommend Lightspeed POS πŸ†

Lightspeed POS is one of our top picks for Point of Sale!

 

 

We highly recommend Lightspeed POS for small businesses looking for a feature-rich, tablet-based point of sale system.

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We Recommend TouchBistro πŸ†

TouchBistro is one of our top picks for Restaurant POS!

 

 

Our reviewers praised TouchBistro for a well-designed UI, easy to use format, competitive monthly cost, and numerous integrations. Sign up today to see it in action.

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We Recommend Fundera πŸ†

Fundera is one of our top picks for SBA loans!

 

 

Fundera is a free-to-use marketplace that allows you to compare lenders side-by-side. Easily find SBA 7(a)loans alongside other financing options.

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We Recommend ShippingEasy πŸ†

ShippingEasy is one of our top picks for shipping software!

 

 

ShippingEasy got a 5-star review from our team. Get a 30-day free trial to access discounted USPS and UPS shipping rates and print labels in no time. No credit card required.

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We Recommend Square POS πŸ†

Square POS is one of our top picks for Point of Sale!

 

 

Square is free to use and currently includes a free card reader at sign-up!

No credit card is required to create your account.

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Our unbiased reviews and content are supported in part by affiliate partnerships, and we adhere to strict guidelines to preserve editorial integrity. The editorial content on this page is not provided by any of the companies mentioned and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author’s alone.

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