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.

See the full ranking →Take the 2-min quiz →

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+

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

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

Bluevine

LOC · Best for: Cheapest revolving capital if you qualify

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

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+

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+

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+

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+

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 (rebranded Square Loans in 2021)

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

#13

Forward Financing

MCA specialty · Best for: Small businesses needing speed plus reasonable factor on B-paper deals

Range
$5,000 – $300,000Cost
Factor 1.18 – 1.45 depending on paper gradeSpeed
Same-day to 24-hour funding for clean filesMin credit
550+

#14

Fora Financial

MCA specialty · Best for: Volatile revenue businesses that other funders decline

Range
$5,000 – $1,500,000Cost
Factor 1.15 – 1.40+; renewal discount up to 5% on second dealsSpeed
Funding in 72 hours for typical filesMin credit
500+

#15

Reliant Funding

MCA specialty · Best for: C-paper merchants who got declined elsewhere

Range
$5,000 – $400,000Cost
Factor 1.30 – 1.55 typical; higher for D-paperSpeed
Funding in 24 – 48 hoursMin credit
500+

#16

Lendr

MCA + multi-product · Best for: Merchants wanting product flexibility within one underwriting

Range
$5,000 – $1,000,000Cost
Factor 1.18 – 1.42 (MCA); APR varies for term and LOCSpeed
Funding in 24 hours for approved filesMin credit
600+

#17

Kalamata Capital

MCA specialty · Best for: Mid-market MCA deals in the $50K-$500K range

Range
$10,000 – $500,000Cost
Factor 1.22 – 1.45 depending on paper gradeSpeed
Funding in 48 – 72 hoursMin credit
575+

#18

Libertas Funding

MCA specialty · Best for: Larger MCA advances ($250K-$2M) with custom terms

Range
$10,000 – $2,000,000Cost
Factor varies by deal; typical 1.20 – 1.42Speed
Funding in 24 – 72 hours after approvalMin credit
550+

#19

Lendio

Marketplace · Best for: Shopping multiple lenders with one application

Range
$500 – $5,000,000+ (depends on which lender in marketplace funds)Cost
Varies by underlying lender; LOC APRs from 8%, MCA factors from 1.10Speed
Offers in 15 minutes; funding 24 hours to several weeksMin credit
550+ (varies by product)

#20

Fundera (by NerdWallet)

Marketplace · Best for: NerdWallet-backed lender comparison with consumer trust signals

Range
$500 – $5,000,000+ (varies by lender)Cost
Varies — SBA APRs from 7%, term loans from 12%, MCAs from 1.10 factorSpeed
Pre-qualification in minutes; funding 1-30 days depending on lenderMin credit
600+

#21

Nav

Marketplace · Best for: Comparing funding options alongside your business credit score

Range
Varies by underlying lenderCost
Varies; shows pre-qualified offers based on your profileSpeed
Pre-qualification immediate; funding variesMin credit
Any (Nav shows your business + personal credit)

#22

Biz2Credit

Marketplace · Best for: Marketplace + direct lending combined; CRE and franchise focus

Range
$25,000 – $6,000,000+Cost
Varies; SBA from prime+2.75%, term from 7%, MCA from 1.10Speed
Offers in 24-72 hoursMin credit
575+

#23

Wayflyer

Revenue-based financing · Best for: E-commerce brands with strong platform sales data (Shopify, Amazon)

Range
$10,000 – $20,000,000Cost
Single fee 3 – 8% of advance; effective cost varies by repayment speedSpeed
Funding in 24 hoursMin credit
No FICO check — underwrites against platform data

#24

Clearco

Revenue-based financing · Best for: Direct-to-consumer brands needing capital without equity dilution

Range
$10,000 – $20,000,000Cost
Single fee 6 – 12% of advanceSpeed
Funding in 1 – 5 business daysMin credit
No FICO check — underwrites against revenue data

#25

PayPal Working Capital

Processor financing · Best for: Active PayPal sellers wanting embedded financing

Range
$1,000 – $250,000Cost
Single fixed fee disclosed at offer (typically 8 – 18% of advance)Speed
Funding in minutes once acceptedMin credit
No FICO check — uses PayPal sales history

#26

Stripe Capital

Processor financing · Best for: Stripe-using businesses wanting embedded financing

Range
$500 – $1,000,000+ (varies by Stripe volume)Cost
Single fixed fee disclosed at offer (typically 5 – 18%)Speed
Funds same business day for eligible merchantsMin credit
No FICO check — underwrites against Stripe data

#27

Shopify Capital

Processor financing · Best for: Shopify merchants — embedded inventory and growth financing

Range
$200 – $2,000,000+Cost
Single fixed fee — typical 5 – 14% of advanceSpeed
Funds in 2 – 5 business days after acceptanceMin credit
No FICO check — uses Shopify sales data

#28

Live Oak Bank

Bank lender · Best for: SBA 7(a) and 504 loans for niche industries

Range
$25,000 – $25,000,000+Cost
SBA 7(a) APR prime + 2.75% to 4.75%; 504 fixed long-term ratesSpeed
30 – 90 days underwriting (SBA standard)Min credit
680+ typical

#29

Bankers Healthcare Group (BHG)

Specialty vertical · Best for: Healthcare practitioners (MD, DDS, DVM) — practice financing

Range
$20,000 – $500,000+Cost
Term loan APR 12 – 22%; LOC APR variesSpeed
Funding in 3 – 7 business daysMin credit
700+ typical for best terms

#30

CAN Capital

MCA + multi-product · Best for: Established MCA provider with 25+ year track record

Range
$2,500 – $250,000Cost
Factor 1.18 – 1.45 typicalSpeed
Funding in 1 – 3 business daysMin credit
525+

#31

Uplyft Capital

MCA specialty · Best for: Fast-funding MCA alternative for B/C-paper merchants

Range
$5,000 – $1,000,000Cost
Factor 1.25 – 1.50 typicalSpeed
Funding in 24 hours for clean filesMin credit
500+

#32

Funding Circle

Term + LOC · Best for: Established merchants wanting longer-term term loans (vs MCA)

Range
$25,000 – $500,000Cost
APR 11.29% – 30.12% (fixed term loan)Speed
Funding in 1 – 3 business days after approvalMin credit
660+

#33

Bank of America Small Business

Bank lender · Best for: Established merchants with BofA banking relationship

Range
$10,000 – $5,000,000+Cost
SBA 7(a) APR prime + 2.75% to 4.75%; term loans 7 – 25%Speed
Pre-qualification minutes; funding 5 – 60 daysMin credit
670+

#34

JPMorgan Chase Business

Bank lender · Best for: SBA loans + business credit lines for Chase customers

Range
$10,000 – $25,000,000Cost
SBA 7(a) APR prime + 2.75% to 4.75%; LOC APR 9% – 20%Speed
Pre-qualification minutes; funding 5 – 60 daysMin credit
680+

#35

Wells Fargo Small Business

Bank lender · Best for: SBA + traditional bank loans for Wells Fargo customers

Range
$10,000 – $5,000,000+Cost
SBA 7(a) APR prime + 2.75% to 4.75%; LOC 9 – 22% APRSpeed
Pre-qualification minutes; funding 5 – 60 daysMin credit
680+

#36

American Express Business Blueprint

Bank lender · Best for: Amex Business cardholders wanting integrated working capital

Range
$2,000 – $250,000Cost
Monthly fee 3-9% (effective APR 15-50%)Speed
Funding in 1 – 3 days for eligible Amex Business customersMin credit
640+

#37

PNC Business Credit

Bank lender · Best for: Mid-market businesses with PNC banking relationship

Range
$25,000 – $10,000,000+Cost
SBA 7(a) APR prime + 2.75% to 4.75%; term 7-20% APRSpeed
Underwriting 30-60 days standardMin credit
680+

#38

Capital One Business

Bank lender · Best for: Business credit cards + SBA + term loans

Range
$10,000 – $5,000,000Cost
Business credit card APRs 18-30%; term loans 7-20%Speed
Credit cards instant; loans 5-30 daysMin credit
670+

#39

National Funding

MCA + multi-product · Best for: Established alternative lender with broad industry acceptance

Range
$5,000 – $500,000Cost
Factor 1.18 – 1.45; equipment APR 10-25%Speed
Funding in 24-72 hoursMin credit
550+

#40

SmartBiz Loans

Bank lender · Best for: Streamlined SBA 7(a) applications via fintech UX

Range
$30,000 – $5,000,000Cost
SBA 7(a) APR prime + 2.75% to 4.75%Speed
Pre-qualification in 5 minutes; funding 30-45 daysMin credit
650+

#41

Kabbage (Amex Business Working Capital)

Bank lender · Best for: Established Kabbage customers (now Amex working capital)

Range
$1,000 – $250,000Cost
Monthly fee 3 – 12%Speed
Approval in minutes for eligible Amex business cardholdersMin credit
640+

#42

Clover Capital (Fiserv)

Processor financing · Best for: Clover POS merchants — embedded card-volume-based financing

Range
$500 – $1,000,000Cost
Single fixed fee disclosed at offer (10 – 16%)Speed
Funding in 1 – 3 business daysMin credit
No FICO check — uses Clover sales history

#43

Amazon Lending

Processor financing · Best for: Amazon FBA sellers — invitation-only embedded financing

Range
$1,000 – $750,000Cost
APR varies (typical 6 – 16% APR for term loans)Speed
Funds in 5 business days once acceptedMin credit
No FICO check — uses Amazon seller history

#44

Backd

MCA specialty · Best for: Newer MCA specialty with modern UX and B-paper focus

Range
$10,000 – $500,000Cost
Factor 1.18 – 1.45Speed
Funding in 24 – 48 hoursMin credit
550+

#45

Mantis Funding

MCA specialty · Best for: C-paper MCA specialist for distressed merchants

Range
$5,000 – $300,000Cost
Factor 1.35 – 1.55+ (C-paper pricing)Speed
Funding in 24 – 48 hoursMin credit
475+

#46

ForwardLine

MCA specialty · Best for: Regional MCA provider with customized contract terms

Range
$5,000 – $250,000Cost
Factor 1.22 – 1.42Speed
Funding in 24 – 72 hoursMin credit
550+

#47

Pearl Capital

MCA specialty · Best for: Established MCA provider with broker network focus

Range
$5,000 – $250,000Cost
Factor 1.25 – 1.45Speed
Funding in 1 – 3 business daysMin credit
550+

#48

TBS Factoring

Specialty vertical · Best for: Trucking carriers — invoice factoring specialty

Range
Per-invoice up to $10,000,000 monthly volumeCost
1 – 3% per invoice (recourse); 2 – 4% (non-recourse)Speed
Same-day funding for verified invoicesMin credit
Any (TBS underwrites shipper credit, not carrier)

#49

RTS Financial

Specialty vertical · Best for: Trucking carriers — factoring + fuel card + back-office

Range
Per-invoice; no formal monthly capCost
1 – 3% per invoice (varies by volume + recourse type)Speed
Same-day funding for verified invoicesMin credit
Any

#50

Apex Capital

Specialty vertical · Best for: Trucking — owner-operator and small fleet factoring

Range
Per-invoice; tailored to fleet sizeCost
1.5 – 4% per invoiceSpeed
Same-day fundingMin credit
Any

#51

OTR Capital

Specialty vertical · Best for: Trucking factoring with non-recourse focus

Range
Per-invoice; no formal capCost
1.5 – 3.5% per invoiceSpeed
Same-day fundingMin credit
Any

#52

eCapital

Specialty vertical · Best for: Cross-industry invoice factoring at scale

Range
$50,000 – $50,000,000+Cost
1 – 3% per invoiceSpeed
Same-day to next-day fundingMin credit
Any (shipper-focused underwriting)

#53

Triumph Business Capital

Specialty vertical · Best for: Trucking factoring + bank-affiliated stability

Range
Per-invoice; tailored to fleetCost
1 – 3% per invoiceSpeed
Same-day fundingMin credit
Any

#54

altLINE (Southern Bank)

Specialty vertical · Best for: Bank-direct invoice factoring with low rates

Range
$30,000 – $4,000,000 per monthCost
0.5 – 3% per invoice (lower than non-bank competitors)Speed
1 – 3 business days from setupMin credit
Any

#55

Pipe

Revenue-based financing · Best for: SaaS companies — recurring-revenue trading platform

Range
Varies by ARRCost
Single fee, typically 6 – 14% per advance (effective APR varies)Speed
Funding in 24 – 72 hoursMin credit
No FICO check — underwrites against ARR

#56

Capchase

Revenue-based financing · Best for: SaaS founders — non-dilutive growth capital

Range
$25,000 – $100,000,000+Cost
Discount on future ARR (typical effective cost 8 – 15% APR)Speed
Funding in 48 – 72 hours after approvalMin credit
No FICO check — ARR-based

#57

Settle

Revenue-based financing · Best for: E-commerce brands — vendor financing + AR management

Range
$25,000 – $5,000,000Cost
Single fee (typical 1 – 3% per invoice for AR financing)Speed
Funding in 1 – 3 daysMin credit
No FICO check — uses platform data

#58

Liberis

Revenue-based financing · Best for: Embedded RBF for partner platforms (international + US)

Range
$1,000 – $1,000,000+Cost
Single fee, typical 6 – 12% of advanceSpeed
Funding in 24 hoursMin credit
No FICO check — platform data based

#59

Ampla

Revenue-based financing · Best for: CPG and DTC brands — banking + capital combined

Range
$25,000 – $25,000,000Cost
LOC APR 8 – 18%; term loan APR 10 – 22%Speed
Funding in 1 – 5 business daysMin credit
640+

#60

Currency Capital

Specialty vertical · Best for: Equipment financing — heavy equipment, trucks, machinery

Range
$10,000 – $2,000,000Cost
APR 8 – 22% (varies by equipment + credit)Speed
Funding in 24 – 72 hours after approvalMin credit
600+

#61

Beacon Funding

Specialty vertical · Best for: Specialty equipment financing — high approval rate

Range
$5,000 – $1,000,000Cost
APR 8 – 25%Speed
Funding in 1 – 5 business daysMin credit
550+

#62

Crest Capital

Specialty vertical · Best for: Equipment + commercial vehicle financing with online speed

Range
$5,000 – $1,000,000Cost
APR 7 – 22%Speed
Approval in 4 hours; funding 1 – 3 daysMin credit
650+

#63

Newtek Small Business Finance

Bank lender · Best for: SBA 7(a) + alternative financing + payroll combined

Range
$25,000 – $15,000,000Cost
SBA 7(a) APR prime + 2.75% to 4.75%; alt-fin variesSpeed
SBA 30 – 60 days; alternative products 1 – 7 daysMin credit
650+

#64

Celtic Bank

Bank lender · Best for: Background bank powering many fintech lenders' SBA programs

Range
$5,000 – $5,000,000+Cost
SBA 7(a) APR prime + 2.75% to 4.75%Speed
30 – 60 days SBA standardMin credit
650+

#65

Cross River Bank

Bank lender · Best for: Background bank for fintech-partnered loans

Range
Varies by partnerCost
Varies by partner productSpeed
Varies by partnerMin credit
Varies

#66

Stearns Bank

Bank lender · Best for: SBA + equipment financing + specialty industries

Range
$25,000 – $10,000,000+Cost
SBA 7(a) prime + 2.75% to 4.75%; equipment 8 – 18% APRSpeed
SBA 30 – 60 days; equipment 5 – 10 daysMin credit
650+

#67

Byline Bank

Bank lender · Best for: SBA 7(a) + commercial real estate specialty

Range
$50,000 – $25,000,000+Cost
SBA 7(a) prime + 2.75% to 4.75%Speed
30 – 60 days SBAMin credit
680+

#68

Kiva

Microloan / CDFI · Best for: Microloans for very early or underserved businesses

Range
$1,000 – $15,000Cost
0% interest (donation-funded)Speed
30 – 60 days crowdfunding processMin credit
No credit check

#69

Accion Opportunity Fund

Microloan / CDFI · Best for: CDFI loans for underbanked small businesses

Range
$5,000 – $250,000Cost
APR 8.49% – 24.99%Speed
Funding in 5 – 15 business daysMin credit
550+ (more flexible than banks)

#70

Lendeavor (Provide)

Specialty vertical · Best for: Dental + veterinary practice financing

Range
$25,000 – $5,000,000Cost
APR 6 – 14% (practice acquisition); 8 – 18% (working capital)Speed
Funding in 5 – 20 daysMin credit
650+

#71

YouLend

Revenue-based financing · Best for: Embedded SMB financing via platform partners

Range
$3,000 – $5,000,000+Cost
Single fee, varies by partner platformSpeed
Funding in 24 hours via platform integrationMin credit
No FICO check — platform-data based

#72

Fundation

Term + LOC · Best for: Mid-market term loans + LOC for established merchants

Range
$20,000 – $500,000Cost
APR 7.99% – 28.99% (term loan); LOC APR variesSpeed
Funding in 1 – 3 business daysMin credit
660+

#73

United Capital Source

Marketplace · Best for: Broker network for matching merchants to MCA + alt-fin options

Range
$10,000 – $5,000,000+Cost
Varies by underlying lender; MCA factor 1.18 – 1.50Speed
Funding in 1 – 7 daysMin credit
500+

#74

Become

Marketplace · Best for: Lender marketplace with built-in credit improvement tooling

Range
$5,000 – $1,000,000Cost
Varies by underlying lenderSpeed
Pre-qualification in minutes; funding 1-30 daysMin credit
550+

#75

Fundshop

Marketplace · Best for: MCA-specific marketplace for fast comparison

Range
$5,000 – $500,000Cost
MCA factor 1.18 – 1.45 (varies by underlying funder)Speed
Offers in 24 hours; funding 1 – 3 daysMin credit
550+

#76

Finance Factory

Marketplace · Best for: Startup-friendly marketplace with broader product range

Range
$5,000 – $5,000,000+Cost
Varies by underlying productSpeed
VariesMin credit
Any

#77

Par Funding (Complete Business Solutions Group)

MCA specialty · Best for: Historical MCA reference — now in receivership

Range
(No new origination)Cost
(Historical 1.30 – 1.55+)Speed
(No longer originating)Min credit
Historical 500+

#78

RapidFund Capital

MCA specialty · Best for: Short-term MCA specialist with fast turnaround

Range
$5,000 – $250,000Cost
Factor 1.25 – 1.45Speed
24 – 48 hours after approvalMin credit
550+

#79

National Business Capital

Marketplace · Best for: Marketplace with strong term loan + SBA + alt-fin options

Range
$10,000 – $5,000,000Cost
Varies by product typeSpeed
Funding in 1 – 14 days depending on productMin credit
550+

#80

Swift Capital

MCA + multi-product · Best for: Alternative small-business financing with multi-product fit

Range
$5,000 – $500,000Cost
Factor 1.20 – 1.45; term loan 12-28% APRSpeed
Funding in 1 – 3 daysMin credit
550+

#81

AdvancePoint Capital

MCA specialty · Best for: Short-term MCA with industry breadth

Range
$5,000 – $1,000,000Cost
Factor 1.25 – 1.50Speed
Funding in 24 – 72 hoursMin credit
500+

#82

CapitalBridge Funding

MCA specialty · Best for: MCA for retail and service industries

Range
$5,000 – $500,000Cost
Factor 1.22 – 1.45Speed
1 – 3 business daysMin credit
550+

#83

Velocity Business Funding

Revenue-based financing · Best for: E-commerce-focused MCA alternative

Range
$5,000 – $750,000Cost
Single fee 8 – 16% of advanceSpeed
Funding in 24 – 48 hoursMin credit
No FICO check — platform-data based

#84

BFS Capital

MCA + multi-product · Best for: Multi-product alternative lender — MCA + term loans

Range
$4,000 – $500,000Cost
Factor 1.18 – 1.45; term loan APR 14 – 30%Speed
1 – 3 business daysMin credit
550+

#85

Perfect Alliance Capital

MCA specialty · Best for: MCA with customized contract terms

Range
$5,000 – $500,000Cost
Factor 1.22 – 1.48Speed
1 – 3 business daysMin credit
550+

#86

Advance America Capital

MCA specialty · Best for: Short-term MCA with established broker network

Range
$5,000 – $250,000Cost
Factor 1.25 – 1.45Speed
24 – 72 hoursMin credit
525+

#87

Knight Capital Funding

MCA specialty · Best for: MCA for trucking and construction industries

Range
$5,000 – $500,000Cost
Factor 1.24 – 1.45Speed
1 – 3 business daysMin credit
550+

#88

World Business Lenders

MCA specialty · Best for: Mid-sized MCA + real-estate-secured business loans

Range
$10,000 – $500,000+Cost
Factor 1.25 – 1.50; secured term loan APR 15-30%Speed
1 – 7 business daysMin credit
550+

#89

Strategic Funding Source (Kapitus)

MCA + multi-product · Best for: Multi-product alternative finance — MCA, term, equipment, factoring

Range
$10,000 – $750,000+Cost
Factor 1.18 – 1.45; term loan 12-28% APRSpeed
1 – 3 business daysMin credit
575+

#90

Giggle Finance

MCA specialty · Best for: Smaller and newer businesses needing $5K-$50K

Range
$1,000 – $50,000Cost
Factor 1.20 – 1.45Speed
Funding in 24 hoursMin credit
500+

#91

Fundomate

MCA specialty · Best for: Smaller-business MCA with fast access

Range
$2,500 – $500,000Cost
Factor 1.18 – 1.45Speed
Funding in 24 – 48 hoursMin credit
550+

#92

Balboa Capital

Specialty vertical · Best for: Equipment financing + working capital combined

Range
$5,000 – $250,000Cost
Equipment APR 8 – 22%; working capital factor 1.18 – 1.40Speed
1 – 3 business daysMin credit
600+

#93

CIT (First Citizens)

Bank lender · Best for: Equipment financing + commercial lending at scale

Range
$25,000 – $50,000,000+Cost
Equipment APR 6 – 18%; commercial term rates competitiveSpeed
5 – 21 days standardMin credit
650+

#94

Direct Capital (PNC Equipment Finance)

Specialty vertical · Best for: Online equipment financing backed by PNC Bank

Range
$5,000 – $250,000Cost
APR 8 – 20%Speed
1 – 5 business daysMin credit
650+

#95

Smarter Finance USA

Specialty vertical · Best for: Equipment financing for startup and early-stage businesses

Range
$5,000 – $250,000Cost
APR 8 – 25%Speed
1 – 7 business daysMin credit
550+

#96

Upwise Capital

MCA specialty · Best for: Early-stage and startup-friendly alternative lending

Range
$5,000 – $500,000Cost
Factor 1.22 – 1.50Speed
1 – 3 business daysMin credit
525+

#97

Founderpath

Revenue-based financing · Best for: SaaS founders — non-dilutive ARR-based capital

Range
$10,000 – $5,000,000+Cost
Single discount on future ARR (effective 8-15% APR equivalent)Speed
Funding in 1 – 7 daysMin credit
No FICO check — ARR-based

#98

Re:cap

Revenue-based financing · Best for: European SaaS — recurring-revenue trading

Range
€10,000 – €10,000,000+Cost
Single discount on future ARRSpeed
Funding in 1 – 5 daysMin credit
No FICO check — ARR-based

#99

Choco Up

Revenue-based financing · Best for: Asia-Pacific e-commerce — revenue-based capital

Range
$10,000 – $10,000,000Cost
Single fee 6 – 12% of advanceSpeed
Funding in 1 – 3 daysMin credit
No FICO check — platform data

#100

Banc of California

Bank lender · Best for: California-focused SBA + commercial lending

Range
$25,000 – $25,000,000+Cost
SBA 7(a) prime + 2.75% to 4.75%Speed
30 – 60 days SBA standardMin credit
680+

Stop comparing — start matching

Get matched to the right funder in 2 minutes.

We score you against every funder above in real time and route you to the 1-2 most likely to approve at the best terms. No credit pull. No outbound calls.

See my match →