Quick answer
Yes, MCAs are accessible after bankruptcy — typically 1-3 years post-discharge for Chapter 7 and during/after the repayment plan for Chapter 13. Expect higher factor rates (1.35-1.50 vs 1.20-1.30 for clean credit), smaller initial advances, and shorter terms. Funders with the most appetite for post-BK applicants include Greenbox Capital, Kalamata Capital, Newco Capital, and second-tier brokers. Avoid funders that explicitly require 'no bankruptcies' on application.
Full answer
Bankruptcy on the personal record is one of the most common questions in MCA underwriting — and unlike traditional bank loans (which often require 4-7 years post-discharge), the MCA space is materially more accessible post-BK. Here's the realistic breakdown by chapter and timing.
Chapter 7 (liquidation, full discharge). Most MCA funders will consider applications 12-24 months post-discharge. A small subset will go as early as 6 months post-discharge for strong revenue / strong bank statement profiles. The bankruptcy will show on your personal credit report for 10 years from filing, so funders see it — but in the MCA segment, revenue and bank balance carry more weight than the BK itself.
Chapter 13 (repayment plan, partial discharge over 3-5 years). MCA funders are split. Some require completion of the plan (discharge) before considering an application — same 12-24 month wait after that. Others will fund while you're still in the plan IF (a) you're current on plan payments, (b) you have trustee approval to take on new debt, and (c) your business revenue is strong. Trustee approval is the critical gating factor — without it, taking an MCA can be a plan violation that triggers dismissal.
Discharged within last 6 months. Very limited options. A few aggressive brokers and high-risk funders will look at deals if revenue is exceptional ($75K+/mo deposits, low NSFs, clean current banking), but pricing is materially higher (factor 1.40-1.55) and term shorter (4-6 months). Most established funders will decline.
Pricing impact. A clean-credit borrower at 650+ FICO with strong revenue typically sees factor rates of 1.20-1.30. A post-BK applicant with the same revenue profile typically sees factor rates of 1.35-1.50 and shorter terms (6-9 months instead of 9-15 months). The pricing differential is real and lasts for the first 1-2 advances, after which a successful payback history with the funder can move you toward standard pricing.
Funders with the most post-BK appetite (as of 2026, subject to change): Greenbox Capital, Kalamata Capital, Newco Capital Group, Accord Business Funding, Forward Financing, and many smaller second-tier brokers / aggregators. Funders that typically decline post-BK applicants: Credibly (prime tier), Bluevine, OnDeck (tighter post-2024), Funding Circle, SmartBiz, Live Oak Bank.
What funders look for after BK. The 5 strongest signals: (1) at least 6 months of clean banking post-BK with no NSFs, (2) revenue trending up post-BK (proves the business survived the reorganization), (3) no active MCAs at time of application, (4) DDA balance averaging $5K+ at month-end, (5) consistent processor / deposit patterns. If you can show these 5 signals, post-BK approval becomes very realistic even at year 1.
Application strategy. (a) Disclose the BK upfront — funders will pull credit and find it anyway, and disclosure builds trust. (b) Ask the funder or broker specifically 'do you fund post-BK borrowers and what's your minimum discharge timing?' before submitting bank statements. (c) Have a brief written explanation ready (3-5 sentences) on what caused the BK and what's changed — funders do read these. (d) Be ready for a smaller initial offer ($15K-$50K) than the same revenue profile would get clean — the first deal is your audition for better terms on the next.
Avoid: funders or brokers that explicitly require 'no bankruptcies, ever' on application — they won't fund you and you're wasting application time. Also avoid stacking immediately after BK — even if a second funder approves you, stacking violates most first-deal contracts and can trigger default.
Related questions
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Methodology. Fundnode is an independent funding-platform that scores merchants against our 100-funder database. We earn referral fees from funders when merchants apply via Fundnode. Editorial rankings and answers are independent of fee structure. Updated 2026-06-25.