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Merchant Cash Advance Reviews

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  • National Business Capital

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    National 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

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    Biz2Credit 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

  • Reliant Funding

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    Reliant Funding is an alternative business funder that provides short-term loans and merchant cash advances (MCAs). There is no credit rating requirement to access its loans. Be cautious of Reliant’s transparency regarding its terms and fees.


    Minimum Time in Business:
    1-2 years
    Required Annual Revenue:
    $100,000+


    Borrowing Amount:
    Less than $50,000 up to $1,000,000

  • LoanBuilder

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    LoanBuilder 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

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    Shopify 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

  • Balboa Capital

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    Balboa is an alternative business funder offering short-term working capital and equipment financing. It’s well-established, offers a flexible product line-up, and appears to have fairly reasonable rates. But be cautious in dealing with Balboa as there are quite a few red flags including an unusual number of customer complaints.


    Minimum Time in Business:
    1-2 years
    Required Annual Revenue:
    More than $200,000


    Borrowing Amount:
    Less than $50,000 up to $250,000

  • National Funding

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    National 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

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    Rapid 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

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    Lendio 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

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    Fora 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