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Funder reviews · 2026

Every MCA funder we'd route a merchant to — and why.

Ten reviews. Each one names the strength, the watch-out, and who shouldn't apply. Pulled from public funder disclosures + our routing data. Updated May 29, 2026.

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#1

Credibly

MCA + multi-product · Best for: Modern API, transparent A-paper terms

Range
$5K – $600KCost
Factor 1.11+ (MCA); APR varies for term + LOCSpeed
As fast as 4 hoursMin credit
550+
#2

Greenbox Capital

Multi-product · Best for: Broad product line + highest publicly stated broker commission

Range
$5K – $250K (MCA); other products varyCost
Factor varies; published up to 19% ISO commissionSpeed
24 – 48 hoursMin credit
Flexible — accepts down to 500 on some programs
#3

Accord Business Funding

MCA specialty · Best for: B/C-paper merchants with renewal upside

Range
$5K – $150KCost
Factor varies by paper grade (often 1.40+)Speed
Next-day for approved filesMin credit
Accepts B/C-paper down to 500
#4

Bluevine

LOC · Best for: Cheapest revolving capital if you qualify

Range
$10K – $250KCost
APR 6.2% – 27%Speed
1 – 3 business daysMin credit
625+
#5

OnDeck

Term + LOC · Best for: Cheapest term-loan tier across alternative lenders

Range
$5K – $400K (term); $6K – $200K (LOC)Cost
Term APR 27%+; LOC APR 30%+Speed
Same-day for approved filesMin credit
600+
#6

Fundbox

LOC · Best for: Lower-bar LOC for thinner-file merchants

Range
$1K – $150KCost
Weekly fee structure; APR-equivalent typically 30–60%Speed
As fast as 1 dayMin credit
600+
#7

NewCo Capital Group

MCA specialty · Best for: A-paper restaurants and high-volume single-location merchants

Range
$5K – $500KCost
Factor competitive for A-paper; not publicly disclosedSpeed
Approval in 3 hours; funding in 24–48 hoursMin credit
550+
#8

Rapid Finance

Multi-product · Best for: Embedded lending into vertical SaaS

Range
$5K – $1M (across products)Cost
Up to 5% of financing per archived partner page; APR variesSpeed
Same-day to 3 daysMin credit
600+
#9

Greenvest Funding

MCA specialty · Best for: Larger-ticket deals with broker protections

Range
$100K – $5MCost
Factor varies; large-ticket pricingSpeed
Same-day disbursement availableMin credit
Underwriting bar matches deal size
#10

CFG Merchant Solutions

MCA specialty · Best for: Compliance-clean operations + larger deals

Range
Up to $1MCost
3–5% origination fees; no PSFs per industry reportsSpeed
24–48 hoursMin credit
550+
#11

Toast Capital

Processor financing · Best for: Toast POS restaurants wanting embedded funding

Range
$5,000 – $300,000Cost
Factor 1.13 – 1.36 (single fee, no compounding)Speed
Funds in 1 – 3 business days after approvalMin credit
No published floor — Toast underwrites against POS history, not FICO
#12

Square Capital

Processor financing · Best for: Square sellers wanting one-click loans from POS history

Range
$300 – $250,000Cost
Single fixed fee (typically 10 – 16% of loan amount); no APR / no compoundingSpeed
Funds as soon as next business dayMin credit
No FICO pull — Square underwrites entirely against your Square sales history

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