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Merchant Cash Advance Comparison

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Ease of ApplicationExcellentExcellentGoodExcellentExcellent
Customer SupportExcellentExcellentExcellentGoodExcellent
Borrower Qualifications
Required Time in Business12 months6 months6 months9 months6 months
Required Credit Score500550Above 550550500
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 optionsNo maturity date13 - 52 weeks6 - 24 Months
Interest or Factor Ratex1.003 - x1.04/moAs low as 2%10% - 30% of the borrowing amountx1.029 - x1.1872Starts at x1.09 factor rate or 9.99% - 36% interest rate
Other Fees2.5% - 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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