How we picked
Filtered to direct funders whose published or documented underwriting policies fund merchants with a discharged bankruptcy at appropriate seasoning thresholds: (1) CDFI mission-driven lenders that explicitly welcome post-BK borrowers at minimum seasoning, (2) deep sub-prime specialists with 2-year post-discharge seasoning thresholds, (3) B-paper funders that case-by-case underwrite well-seasoned BK files (4-7 years post-discharge), and (4) microlenders (Kiva) that have no FICO check and welcome post-BK borrowers at any seasoning. We exclude funders that publish 'no bankruptcy ever' policies or that require 10+ years post-discharge (effectively excluding most post-BK borrowers). Ranked by combination of seasoning-threshold breadth (lower threshold = broader access), cost-of-capital at the relevant seasoning tier, and structural fit for post-bankruptcy operators rebuilding credit.
Top picks at a glance
| Lender | Best for | Amount | Speed | Min credit | Action |
|---|---|---|---|---|---|
| Accion Opportunity Fund | Best overall option for post-bankruptcy merchants (CDFI, 8.49-24.99% APR) | $5,000 – $250,000 | Funding in 5 – 15 business days | 550+ (more flexible than banks) | Apply → |
| Kiva | Best microloan option for post-BK at any seasoning (0% interest, no FICO) | $1,000 – $15,000 | 30 – 60 days crowdfunding process | No credit check | Apply → |
| Mantis Funding | Best deep sub-prime fit for 2-year post-discharge merchants | $5,000 – $300,000 | Funding in 24 – 48 hours | 475+ | Apply → |
| AdvancePoint Capital | Best secondary deep sub-prime option for post-BK files | $5,000 – $1,000,000 | Funding in 24 – 72 hours | 500+ | Apply → |
| Greenbox Capital | Best B-paper option for well-seasoned post-BK (4-7 years post-discharge) | $5K – $250K (MCA); other products vary | 24 – 48 hours | Flexible — accepts down to 500 on some programs | Apply → |
| Uplyft Capital | Best fast-funding option for well-seasoned post-BK merchants | $5,000 – $1,000,000 | Funding in 24 hours for clean files | 500+ | Apply → |
| Pearl Capital | Best for post-BK files with prior MCA positions in the BK estate | $5,000 – $250,000 | Funding in 1 – 3 business days | 550+ | 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 7 picks
#1 · Best overall option for post-bankruptcy merchants (CDFI, 8.49-24.99% APR)
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 is the structurally correct first-call for any post-bankruptcy merchant. Mission-driven CDFI with APR 8.49-24.99% — dramatically cheaper than any factor-rate MCA on a post-BK file. Explicitly welcomes post-bankruptcy borrowers at 2+ years post-discharge as part of its underserved-borrower mission scope. $5K-$250K loan sizes. The right answer for any non-urgent capital need on a post-BK file — and the right path to rebuild credit history through on-time repayment of a CDFI term loan rather than compounding distressed-tier MCA pricing.
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)
#2 · Best microloan option for post-BK at any seasoning (0% interest, no FICO)
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 offers 0% interest microloans up to $15K with no FICO check at all — accepts any credit including post-bankruptcy at any seasoning (including very recent discharge). Social underwriting model based on community vouches rather than credit score. Slower funding (30-60 days for the public-vouch campaign cycle) but the structurally cheapest option available to any post-BK merchant. The right pick for early-stage post-BK rebuilding, ticket sizes under $15K, and merchants who can plan ahead.
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
#3 · Best deep sub-prime fit for 2-year post-discharge merchants
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 publishes a 475+ credit floor and underwrites post-bankruptcy files at the 2-year post-discharge minimum (the standard sub-prime threshold). $8K+/mo revenue, 3+ months operating under post-discharge entity. Factor 1.40-1.55+ for the post-BK tier. Use only when CDFI and microloan timelines don't work and the merchant has been declined by B-paper shops — pricing at this tier compounds fast and post-BK merchants frequently re-default into a second bankruptcy when they stack distressed-tier MCA on a recovering balance sheet.
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+
#4 · Best secondary deep sub-prime option for post-BK files
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 funds post-bankruptcy files at 2-year post-discharge with case-by-case review of the underlying BK cause (operational vs. industry vs. fraud) and the post-discharge rebuilding trajectory. 475+ credit, $8K+/mo revenue. Factor 1.40-1.55+ for the tier. Use as second deep sub-prime call after Mantis — competing quotes typically improve pricing 5-10%.
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+
#5 · Best B-paper option for well-seasoned post-BK (4-7 years post-discharge)
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 case-by-case underwrites post-bankruptcy files at 4-7 year post-discharge seasoning when the rest of the file is otherwise B-paper quality — credit rebuilt to 550+, 12+ months operating under post-discharge entity, $15K+/mo revenue. Factor 1.20-1.40 typical (materially better than deep sub-prime tier). The right pick when the BK is well-seasoned and the merchant has documented credit rebuilding — competing offer to Uplyft.
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
#6 · Best fast-funding option for well-seasoned post-BK merchants
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 underwrites well-seasoned post-bankruptcy files (3-5 years post-discharge) with 24-hour funding when other A-paper funders decline. 525+ credit, $15K+/mo revenue, 6+ months operating under post-discharge entity. Factor 1.25-1.40 typical. The right pick when the post-BK merchant has rebuilt credit, has a fast-funding need, and Greenbox is also quoting — Uplyft is typically faster, Greenbox typically slightly cheaper.
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+
#7 · Best for post-BK files with prior MCA positions in the BK estate
Pearl Capital
Max amount
$250,000
Cost
Factor 1.25 – 1.45
Speed
Funding in 1 – 3 business days
Min credit
550+
Why we picked it
Pearl Capital has the most experience underwriting post-bankruptcy files where prior MCA positions were discharged in the BK estate — these files appear with multiple prior-funder credit blemishes that other funders read as serial defaults but Pearl's underwriting team reads correctly as a single discharged event. 2+ years post-discharge, 500+ credit, $15K+/mo revenue. Factor 1.35-1.50. The right pick for the specific case of post-BK merchants whose BK estate included one or more MCA positions.
The strength
Established MCA provider with strong broker/ISO network distribution. Multi-position MCA capable (will fund second position deals). 4 hour approval for clean files.
The watch-out
Heavily broker-distributed — most deals come with significant commission markup baked into factor. Second-position lending is high-risk; verify alternatives before stacking.
Qualifications
6 months
$15,000
550+
Frequently asked questions
- How long after my bankruptcy can I apply for an MCA?
- Most direct MCA funders require 2+ years post-discharge before considering the file at all — Mantis Funding, AdvancePoint Capital, and Pearl Capital all underwrite at the 2-year minimum threshold. B-paper funders (Greenbox, Uplyft) typically require 3-7 years post-discharge with documented credit rebuilding. CDFI lenders (Accion) accept 2+ years post-discharge at materially better APR. Kiva microloans accept any post-BK seasoning including very recent discharge. The honest answer: the longer the seasoning, the better the pricing — most post-BK merchants benefit from waiting 3-5 years post-discharge and using CDFI financing rather than rushing into 2-year deep sub-prime MCA pricing.
- Will an undischarged or active bankruptcy block all MCA funding?
- Yes — every legitimate funder auto-declines active or undischarged bankruptcy files. The bankruptcy must be fully discharged before any funder will underwrite the file. For active Chapter 11 reorganizations, the right capital channel is debtor-in-possession (DIP) financing through specialty turnaround lenders, not MCA. Any broker claiming to fund an active bankruptcy is misrepresenting the underwriting or about to engage in fraud — verify the underlying funder's published policy before signing anything.
- Does the type of bankruptcy matter (Chapter 7 vs 11 vs 13)?
- Yes. Chapter 7 (liquidation) is the most negative underwriting signal but most cleanly resolved — the BK estate liquidates, the merchant emerges with a clean entity, seasoning starts immediately at discharge. Chapter 11 (business reorganization) leaves the operating entity intact but with restructured debt — most funders underwrite the post-confirmation entity as a single-event signal at appropriate seasoning. Chapter 13 (personal restructuring with business implication) is the most complex — funders typically require the Chapter 13 plan to be either completed or 4+ years into the 5-year plan before considering the file. Talk to a CPA and attorney about which BK chapter is right for your situation before filing.
- Should I rebuild credit before applying for MCA post-bankruptcy?
- Almost always yes. Post-BK files at 525 credit price at factor 1.40-1.55 (deep sub-prime tier). The same file at 600 credit after 18-24 months of documented credit rebuilding prices at factor 1.25-1.40 (B-paper tier) — a 15-20% pricing improvement that compounds materially over the position tenor. Rebuilding tools: secured credit card with 12+ months on-time payments, small CDFI term loan with on-time repayment, business credit-bureau reporting through Nav or Dun & Bradstreet for trade-line history. The structural advice: use a CDFI loan (Accion) as both the working-capital tool and the credit-rebuilding tool rather than rushing into deep sub-prime MCA.
Related reading
- Best MCA funders for businesses with judgment history 2026
- Best MCA funders for businesses with prior default history 2026
- Best bad-credit business funding 2026
- 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.