How we picked
Filtered to lenders with documented capacity to fund post-discharge files — Mantis Funding, Greenbox Capital, and AdvancePoint Capital because of explicit B/C-paper programs that accept recent bankruptcy markers, Uplyft Capital and Knight Capital Funding for fast-funding C-paper execution, Accion Opportunity Fund for CDFI mission underwriting that reads business cash flow over personal-file bankruptcy markers, and Kiva for 0% interest microloan rebuild paths. We exclude A-paper bank and SBA channels (which require 7+ years post-discharge typically), and we exclude any funder with active CFPB action that has not affirmatively built a clean post-discharge program. Pricing transparency and reconciliation policy weighted heavily because the post-discharge population is particularly vulnerable to predatory contract structures.
Top picks at a glance
| Lender | Best for | Amount | Speed | Min credit | Action |
|---|---|---|---|---|---|
| Mantis Funding | Best for recent post-discharge files with urgent capital need | $5,000 – $300,000 | Funding in 24 – 48 hours | 475+ | Apply → |
| Greenbox Capital | Best industry-flexible post-discharge lender | $5K – $250K (MCA); other products vary | 24 – 48 hours | Flexible — accepts down to 500 on some programs | Apply → |
| AdvancePoint Capital | Best multi-product post-discharge specialist | $5,000 – $1,000,000 | Funding in 24 – 72 hours | 500+ | Apply → |
| Uplyft Capital | Best fast funding for declined post-discharge applicants | $5,000 – $1,000,000 | Funding in 24 hours for clean files | 500+ | Apply → |
| Accion Opportunity Fund | Best CDFI underwriting business cash flow over bankruptcy marker | $5,000 – $250,000 | Funding in 5 – 15 business days | 550+ (more flexible than banks) | Apply → |
| Kiva | Best 0% interest microloan rebuild path post-discharge | $1,000 – $15,000 | 30 – 60 days crowdfunding process | No credit check | Apply → |
Advertiser disclosure: Fundnode may earn referral fees from funders listed on this page when you apply through us. This does not affect editorial rankings — see our methodology.
Detailed reviews — our 6 picks
#1 · Best for recent post-discharge files with urgent capital need
Mantis Funding
Max amount
$300,000
Cost
Factor 1.35 – 1.55+ (C-paper pricing)
Speed
Funding in 24 – 48 hours
Min credit
475+
Why we picked it
Mantis Funding's explicit B/C-paper program accepts recent post-discharge files (12+ months post-discharge typically) where most A-paper funders mechanically decline. Will fund merchants other lenders decline. Pricing reflects the risk tier (factor 1.35-1.55+), and the corporate enforcement posture is aggressive — verify cash flow can absorb daily ACH before signing, and use only when the alternative is no funding at all. Right pick when post-emergence capital need is urgent and CDFI timeline is not workable.
The strength
Will fund merchants other funders decline — short TIB, low credit, prior MCA stacking. Specialty in distressed/turnaround situations. Fast funding even for difficult files.
The watch-out
C-paper pricing — factor 1.35-1.55+ is materially higher than A/B-paper alternatives. Aggressive enforcement reputation including frequent COJ filings. Often a sign of distress for the borrower — alternatives should be exhausted first.
Qualifications
4 months
$10,000
475+
#2 · Best industry-flexible post-discharge lender
Greenbox Capital
Max amount
$250K (MCA); other products vary
Cost
Factor varies
Speed
24 – 48 hours
Min credit
Flexible — accepts down to 500 on some programs
Why we picked it
Greenbox Capital's published ISO commission caps and industry-flexible posture (restaurants, trucking, retail, services) make it the right post-discharge pick for files where Mantis pricing is too aggressive but A-paper funders will not approve. Accepts credit scores down to 500 on some programs including post-discharge files. Better contract transparency than the deepest C-paper specialists, and a corporate posture that is not pure aggressive-collection-shop.
The strength
Five products under one roof: MCA, invoice factoring, equipment financing, collateral loans, LOC. White-label contracts let brokers run the deal under their own brand. Priority 1 status for new ISOs.
The watch-out
$250K MCA cap is below competitors. Marketing tilts broker-friendly more than merchant-transparent.
Qualifications
6 months
$15,000
Flexible — accepts down to 500 on some programs
#3 · Best multi-product post-discharge specialist
AdvancePoint Capital
Max amount
$1,000,000
Cost
Factor 1.25 – 1.50
Speed
Funding in 24 – 72 hours
Min credit
500+
Why we picked it
AdvancePoint Capital's multi-product platform (MCA, term, working capital lines) and 500+ credit floor make it a solid post-discharge channel for operators rebuilding credit. Will work with files 12-24 months post-discharge where business cash flow has stabilized. Pricing reflects the risk tier but is reasonable for the post-discharge population, and the structure supports staged capital deployment as the file continues to rebuild.
The strength
Will fund industries other MCAs decline. Low credit floor (500+). Fast funding for clean files.
The watch-out
Higher factor rates reflecting risk tier. Broker-distributed — verify direct pricing.
Qualifications
4 months
$10,000
500+
#4 · Best fast funding for declined post-discharge applicants
Uplyft Capital
Max amount
$1,000,000
Cost
Factor 1.25 – 1.50 typical
Speed
Funding in 24 hours for clean files
Min credit
500+
Why we picked it
Uplyft Capital works with merchants other A-paper funders decline, including recent post-discharge files. 24-hour funding cycle on approved files, which matters when post-emergence working-capital need is urgent. Pricing reflects the C-paper risk tier. Right pick when the post-discharge operator has been declined by Mantis or Greenbox and needs fast capital execution.
The strength
Cited by NerdWallet as a fast-funding alternative MCA option. Low TIB minimum (4 months) accepts newer businesses than most competitors. Industry-diverse acceptance — funds construction, trucking, and other 'cautious' verticals.
The watch-out
Higher factor rates than direct A-paper funders. ISO/broker-heavy distribution means most deals come with embedded commission markup. Verify direct-merchant pricing if applying without a broker.
Qualifications
4 months
$10,000
500+
#5 · Best CDFI underwriting business cash flow over bankruptcy marker
Accion Opportunity Fund
Max amount
$250,000
Cost
APR 8.49% – 24.99%
Speed
Funding in 5 – 15 business days
Min credit
550+ (more flexible than banks)
Why we picked it
Accion Opportunity Fund's mission underwriting weights business cash flow over personal-file bankruptcy markers, which is the structurally cheapest post-discharge capital available. APR 8.49-24.99% is dramatically below any MCA equivalent and preserves the post-emergence operating margin. 5-15 day timeline. The right primary pick for any post-discharge operator with solid business cash flow whose capital need is not urgent — wait the 5-15 days for an Accion approval rather than overpaying on a 24-hour MCA when the business will operate either way.
The strength
Community Development Financial Institution (CDFI) — government-supported mission lender for underserved markets. Lower credit thresholds (550+). Strong support resources beyond just lending — coaching, networking. Lower APRs than alternative MCA equivalents.
The watch-out
Long underwriting timeline (5-15 days). Application paperwork heavier than fintech competitors. Maximum loan size ($250K) caps mid-market use.
Qualifications
12 months
$4,000+
550+ (more flexible than banks)
#6 · Best 0% interest microloan rebuild path post-discharge
Kiva
Max amount
$15,000
Cost
0% interest (donation-funded)
Speed
30 – 60 days crowdfunding process
Min credit
No credit check
Why we picked it
Kiva's 0% interest microloan up to $15K with no FICO check is the right pick for very-early-stage post-discharge operators rebuilding credit from a low base, and successful Kiva repayment builds verifiable repayment history that supports subsequent Accion or institutional applications. 30-90 day fundraising period. Use as a credit-rebuild stepping stone rather than as primary working capital for established operations.
The strength
0% interest microloans funded by individual crowdfunders. No FICO check. Open to very early stage, underserved entrepreneurs, immigrants, low-credit applicants. Repayment with no fees over 6-36 months.
The watch-out
Loan caps at $15K — too small for most established merchants. Application requires endorsements from existing supporters. 30-60 day funding timeline.
Qualifications
0 months
Any
No credit check
Frequently asked questions
- How long after bankruptcy discharge can I get an MCA?
- C-paper specialists (Mantis, Greenbox, AdvancePoint, Uplyft) will fund 12+ months post-discharge on most files, sometimes earlier if the operating business cash flow is strong and the discharge was a clean Chapter 7 personal or completed Chapter 11 reorganization. CDFI lenders (Accion) and Kiva can fund earlier in some cases because they underwrite business cash flow over personal-file bankruptcy markers. Bank and SBA channels typically require 7+ years post-discharge, sometimes shorter for Chapter 13 completed plans.
- Does Chapter 7 personal bankruptcy preclude business MCA approval?
- Not necessarily. Post-discharge Chapter 7 with rebuilt business cash flow can qualify with C-paper specialists 12-24 months post-discharge, and CDFI lenders can sometimes approve sooner. The bankruptcy marker is on the personal file for 10 years but its decision weight in C-paper underwriting decreases as time post-discharge increases and as business cash flow demonstrates stability.
- Should I disclose post-discharge bankruptcy on the MCA application?
- Yes. The bankruptcy marker is on personal credit file for 10 years and will surface during underwriting. Concealment kills deals and damages broker relationships. Disclosure with a coherent narrative about the discharge circumstances, the business operating recovery, and the post-discharge financial discipline routinely produces approval at C-paper specialists. The right framing: 'Discharged Chapter 7 in [year], business has rebuilt to [current cash flow], requesting working capital for [specific use], and here is the post-discharge repayment history that demonstrates capacity.'
- What if I'm in active Chapter 11 reorganization rather than emerged?
- Active Chapter 11 generally precludes new MCA funding because the unsecured-credit channel is structurally closed during the proceeding and post-petition financing must go through the Bankruptcy Court DIP process. Post-confirmation but pre-emergence files are also typically not fundable through MCA. Wait for emergence (confirmed plan and discharge or substantial-consummation), then apply through the lenders on this list. Active Subchapter V cases follow similar rules.
Related reading
- Best bad-credit business funding 2026
- Best no-FICO business funding
- Best MCA funders during divorce
- Best MCA funders for disaster recovery
- The full 2026 ranking — 100 funders
Methodology
How we chose
Ranking criteria
- Use-case fit — funder must qualify the merchant profile this page targets (credit, time-in-business, revenue, industry).
- Pricing transparency — published factor-rate or APR-equivalent disclosure outweighs marketing-only quotes.
- Speed-to-fund — verified time from signed contract to ACH deposit, not 'as fast as' marketing claims.
- Contract terms — daily/weekly debit structure, prepayment treatment, COJ / personal guarantee posture.
- Customer-experience signals — BBB profile, Trustpilot, ISO chatter, and direct merchant feedback collected via Fundnode applications.
Sources consulted
- Funder-published rate cards, contract templates, and disclosure pages (refreshed quarterly).
- Public regulatory filings — California DFPI commercial-financing disclosures, New York commercial-financing disclosure law filings.
- Direct merchant feedback collected through Fundnode's /qualify funnel (n > 200 since 2026-01).
- ISO desk operator interviews — anonymized commentary on approval patterns and stipulations.
Update cadence
Reviewed quarterly. Last updated 2026-06-24.
Conflict of interest
Fundnode may earn referral fees from funders listed on this page when merchants apply through us. Rankings are editorial and independent of fee economics — funders cannot pay for placement.