Quick answer
NewCo Capital Group's MCA factor rates in 2026 typically range 1.22-1.49 depending on paper grade, term length (3-18 months), and broker markup. APR-equivalents range 40-120% depending on payback period. Pricing trends mid-to-high tier — competitive for credit-recovering merchants but pricier than Credibly or Fora Financial for A-paper deals. Verify direct vs broker pricing.
Full answer
NewCo Capital Group's typical MCA factor rate range is 1.22 to 1.49 in 2026. The wide range reflects the broad paper they accept (500+ FICO, 4+ months operating, $15K+/mo revenue) — strong files get the low end of the range, recovering files get the high end. Both U.S. and Canadian merchants apply the same pricing logic.
APR-equivalent calculation: $50,000 advance at factor 1.25 over 6 months = $12,500 fee, ~50% APR. Same $50,000 at factor 1.35 over 9 months = $17,500 fee, ~52% APR. Same $50,000 at factor 1.49 over 12 months = $24,500 fee, ~49% APR. Term and factor interact — always model the full APR-equivalent before signing.
Why the pricing tier: NewCo accepts paper that tier-1 funders decline (500+ FICO is materially below Credibly/OnDeck's 550-600+ floors). The higher factor rates compensate for the higher default risk. If your file is A-paper (650+ FICO, 24+ months, $50K+/mo), you should be shopping Credibly (1.11+) or Fora Financial (1.10+) before considering NewCo.
Going direct vs broker: NewCo works with a large ISO network in both the U.S. and Canada. ISO commission isn't publicly disclosed but typical for the industry is 4-15% baked into the factor you're quoted. Applying direct (or via a transparent broker-bypass platform) saves materially on the all-in cost — this can be a 0.04-0.15 reduction in factor.
Prepayment policy: NewCo offers prepayment discounts on some deals but terms vary. Get the exact discount schedule in writing before signing — at this pricing tier, the difference between 'pay full factor regardless' and 'reduced fee on early payoff' can be thousands of dollars.
Canada-specific pricing: Canadian merchants typically see similar factor ranges to U.S. merchants. Currency and regulatory differences don't materially change NewCo's underlying pricing model. Canadian options are limited compared to the U.S. market, which sometimes means NewCo is one of the few realistic choices.
Where NewCo fits: B-paper merchants needing access to capital, especially in Canada where alternatives are limited. Where it doesn't fit: A-paper merchants being routed by a broker — almost always the wrong placement when Credibly or Fora would price the deal materially cheaper.
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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.