I want $150,000 — which?

NewCo. Their $25K-$500K range hits your need. Greenbox caps at $250K and prefers under $100K deals.

I have an existing broker relationship — which is better via broker?

NewCo, generally. Their ISO program is more established. Verify the all-in factor by getting a direct quote from both funders to compare against the broker quote.

Both quoted me similar factor — how to decide?

Read both contracts. Look at reconciliation policy (Greenbox typically more flexible), prepayment terms (NewCo's are case-by-case), and COJ provisions (both use them in NY-governed contracts).

Greenbox Capital vs NewCo Capital Group — honest comparison 2026

Both fund small businesses. They solve different problems. Here's the honest side-by-side, then five use-case verdicts so you don't have to guess.

The specs

Greenbox CapitalNewCo Capital Group

Product typeMulti-productMCA

Amount range$5K – $250K (MCA); other products vary$5K – $500K

Cost (factor / APR)Factor varies by paper; published commission up to 19% to ISOsFactor varies by paper; competitive for A-paper

Speed to fund24 – 48 hoursApproval in 3 hours; funding in 24–48 hours

Min time in business6 months12 months

Min monthly revenue$15,000$100,000

Min credit scoreFlexible — accepts down to 500 on some programs550+

Products

MCA
Invoice factoring
Equipment financing
Collateral loans
LOC

MCA
Working capital line

Verdicts by use case

Cheapest factor — Winner: Tie. Both publish 1.20+ factor ranges. NewCo is slightly tighter on disclosed pricing; Greenbox has more variance based on paper grade.
Larger deals ($150K+) — Winner: NewCo Capital Group. NewCo Capital Group's $25K-$500K range is built for larger deals. Greenbox's $5K-$250K caps smaller.
Smaller deals ($5K-$25K) — Winner: Greenbox Capital. Greenbox is comfortable at $5K. NewCo prefers $25K+ to make underwriting economics work.
Broker network depth — Winner: NewCo Capital Group. NewCo is heavily broker-distributed with established ISO programs. Greenbox is more direct-merchant focused.
ISO commission transparency — Winner: Greenbox Capital. Greenbox publishes ISO caps. NewCo doesn't publicly disclose its commission structure.

The honest takeaway

Greenbox Capital and NewCo Capital Group solve overlapping but distinct problems. The right choice depends on three things you already know about your business: how fast you need the money, how long you've been operating, and whether the capital need is one-time or recurring.

Frequently asked questions

I want $150,000 — which?: NewCo. Their $25K-$500K range hits your need. Greenbox caps at $250K and prefers under $100K deals.
I have an existing broker relationship — which is better via broker?: NewCo, generally. Their ISO program is more established. Verify the all-in factor by getting a direct quote from both funders to compare against the broker quote.
Both quoted me similar factor — how to decide?: Read both contracts. Look at reconciliation policy (Greenbox typically more flexible), prepayment terms (NewCo's are case-by-case), and COJ provisions (both use them in NY-governed contracts).