I'm at $50K/mo with 620 FICO and 18 months TIB looking for $150K — which?

Kalamata. At this file grade you clear their $25K/mo and 12-month TIB floors and the deal lands in their sweet spot ($50K – $500K mid-market focus). Expect a 1.24 – 1.32 factor. Accord can fund up to $150K but typically prices higher (1.35 – 1.42) at this file grade.

I'm at $18K/mo with 560 FICO and 6 months TIB needing $25K — which?

Accord. Kalamata's 12-month TIB and $25K/mo revenue floors both decline you. Accord's 3-month floor and lower revenue threshold accept you. Expect a 1.40+ factor on the $25K and tight daily ACH.

Is Kalamata ISO-only or do they take direct merchants?

Kalamata accepts both but distribution is ISO-heavy — most deals come through broker networks with markup. Going direct typically saves 4 – 8% on factor. Accord similarly works through ISOs but their commission economics (15% new, 100% renewal, next-day payment) make ISO-routed Accord deals less painful for merchants than ISO-routed Kalamata deals at the same file grade.

Kalamata Capital vs Accord Business Funding — 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

Kalamata CapitalAccord Business Funding

Product typeMCAMCA

Amount range$10K – $500K$5K – $150K

Cost (factor / APR)Factor 1.22 – 1.45 depending on paper gradeFactor varies by paper grade

Speed to fundFunding in 48 – 72 hoursNext-day for approved files

Min time in business12 months3 months

Min monthly revenue$25,000Flexible — no published floor

Min credit score575+Flexible — accepts B/C-paper

Products

MCA (1st / 2nd / 3rd position)

Verdicts by use case

Newer business (3 – 12 months TIB) — Winner: Accord Business Funding. Accord's 3-month TIB floor accepts merchants Kalamata's 12-month minimum declines. Sub-12-month merchants are Accord-only in this pair.
Larger deal size ($150K+) — Winner: Kalamata Capital. Kalamata funds up to $500K with mid-market $50K – $500K focus. Accord caps at $150K. For sizable deals, Kalamata wins outright.
Best ISO commission economics — Winner: Accord Business Funding. Accord pays up to 15% on new deals, 100% on renewals, with next-day commission payment. Kalamata is ISO-friendly but commission tiers are standard. ISOs optimizing for renewal cash flow favor Accord.
Cheaper factor on A-paper — Winner: Kalamata Capital. Kalamata's published 1.22 – 1.45 factor range puts A-paper deals around 1.22 – 1.28. Accord prices higher on the B/C-paper they specialize in. A-paper merchants find better pricing at Kalamata.
Stacked / 2nd or 3rd position MCA — Winner: Accord Business Funding. Accord explicitly funds 1st, 2nd, and 3rd position MCA. Kalamata focuses on clean 1st position and avoids material stacking. Already-stacked deals are Accord-only here.

The honest takeaway

Kalamata Capital and Accord Business Funding 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'm at $50K/mo with 620 FICO and 18 months TIB looking for $150K — which?: Kalamata. At this file grade you clear their $25K/mo and 12-month TIB floors and the deal lands in their sweet spot ($50K – $500K mid-market focus). Expect a 1.24 – 1.32 factor. Accord can fund up to $150K but typically prices higher (1.35 – 1.42) at this file grade.
I'm at $18K/mo with 560 FICO and 6 months TIB needing $25K — which?: Accord. Kalamata's 12-month TIB and $25K/mo revenue floors both decline you. Accord's 3-month floor and lower revenue threshold accept you. Expect a 1.40+ factor on the $25K and tight daily ACH.
Is Kalamata ISO-only or do they take direct merchants?: Kalamata accepts both but distribution is ISO-heavy — most deals come through broker networks with markup. Going direct typically saves 4 – 8% on factor. Accord similarly works through ISOs but their commission economics (15% new, 100% renewal, next-day payment) make ISO-routed Accord deals less painful for merchants than ISO-routed Kalamata deals at the same file grade.