Quick answer
Credibly's MCA factor rates in 2026 start at 1.11 for A-paper deals (one of the lowest in the MCA space) and range up to ~1.45 for B/C-paper. Multi-product pricing differs: term loans have APR-disclosed rates, working capital LOC has variable APR. Factor depends on paper grade, term length, and ISO involvement.
Full answer
Credibly publishes MCA factor rates starting at 1.11 for A-paper deals — among the lowest in the MCA space. The range extends to ~1.45 for B/C-paper. Specific factor depends on paper grade (your file quality), term length, and whether you apply direct vs through a broker.
APR-equivalent calculation: $50,000 at factor 1.11 over 6 months = $5,500 fee, equates to ~22% APR. Same $50,000 at factor 1.30 over 9 months = $15,000 fee, ~40% APR. The factor alone doesn't tell the full cost — term matters.
Multi-product pricing: Credibly also offers term loans (APR-disclosed, typically 18-30%) and working capital LOC (APR-variable). For longer-term needs, the term loan or LOC is often cheaper than the equivalent MCA. Credibly underwriting can recommend the right product for your profile.
Going direct vs broker: Credibly accepts both direct merchant applications and ISO-placed deals. ISO commission isn't publicly disclosed but typical for the industry is 4-12% baked into the factor. Applying direct saves the commission.
Prepayment policy: Credibly publishes a discount schedule for early payoff. Payoff within 90 days typically receives ~25% reduction on remaining fee. Get terms in writing.
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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.