Is Capchase a direct funder or a broker?

Capchase is a direct funder — they underwrite and deploy capital from their own balance sheet (or institutional credit facility), not by routing your file to other lenders. This matters because direct funders are accountable for the terms they quote.

What's the minimum revenue Capchase will fund?

Capchase's published floor is $8,000+ MRR in average monthly revenue, with 6 months minimum time in business. Credit score floor is No FICO check — ARR-based. These are box minimums — actual approval requires bank statements showing consistent daily deposits and acceptable NSF history.

How fast can Capchase fund?

Capchase's public speed quote is Funding in 48 – 72 hours after approval. In practice, clean files (consistent revenue, no NSFs, no second position) fund at the fast end of that range. Files needing additional documentation, second-position deals, or larger amounts ($250K+) take longer.

Should I go directly to Capchase or through a broker?

Going direct gets you a single quote with no broker commission baked into the factor rate. Going through a broker (like Fundnode) gets you scored against multiple funders, including Capchase, with full disclosure of how we earn. There's no universal right answer — but if you only want one quote, going direct saves the broker's cut.

Capchase Review 2026 — Rates, Terms, Honest Verdict

Best for: SaaS founders — non-dilutive growth capital. Amount range: $25,000 – $100,000,000+. Speed: Funding in 48 – 72 hours after approval. Below: the rate card, the watch-out, alternatives we'd compare against, and the honest verdict.

TL;DR

Capchase ranks #56 in our 2026 funder ranking. Best for saas companies with $100k+ arr wanting non-dilutive capital for sales/marketing scaling without venture debt complexity. The strength: SaaS-specific RBF with sophisticated underwriting using your billing platform data (Stripe, Chargebee, Recurly integrations). The watch-out: SaaS-only.

Capchase rate card 2026

Category	Revenue-based financing
Best for	SaaS founders — non-dilutive growth capital
Amount range	$25,000 – $100,000,000+
Cost (factor / APR)	Discount on future ARR (typical effective cost 8 – 15% APR)
Speed to fund	Funding in 48 – 72 hours after approval
Min time in business	6 months
Min monthly revenue	$8,000+ MRR
Min credit score	No FICO check — ARR-based

The strength — what Capchase does better than anyone

SaaS-specific RBF with sophisticated underwriting using your billing platform data (Stripe, Chargebee, Recurly integrations). Multiple products: Capchase Grow (ARR advance), Capchase Pay (B2B BNPL), Capchase Earn.

The watch-out — what Capchase doesn't put in marketing

SaaS-only. Pricing competitive but not cheapest — VC-backed SaaS with revenue traction often gets better terms from venture debt funds. Setup requires platform integrations.

Who Capchase is best for

SaaS companies with $100K+ ARR wanting non-dilutive capital for sales/marketing scaling without venture debt complexity.

Who shouldn't apply

Merchants ranking solidly above Capchase's box may want to apply to OnDeck or Credibly first for cheaper money. Established multi-location operators may get better terms at OnDeck or NewCo Capital Group. As with any MCA decision, the cheapest money is the money you don't borrow — start with the calculator at /calculator to see if the deal you'd take from Capchase actually makes sense.

How Capchase compares to the rest of the top 10

Funder	Category	Cost	Speed
Capchase (this funder)	Revenue-based financing	Discount on future ARR (typical effective cost 8 – 15% APR)	Funding in 48 – 72 hours after approval
Credibly	MCA + multi-product	Factor 1.11+ (MCA); APR varies for term + LOC	As fast as 4 hours
Greenbox Capital	Multi-product	Factor varies; published up to 19% ISO commission	24 – 48 hours
Accord Business Funding	MCA specialty	Factor varies by paper grade (often 1.40+)	Next-day for approved files
Bluevine	LOC	APR 6.2% – 27%	1 – 3 business days
OnDeck	Term + LOC	Term APR 27%+; LOC APR 30%+	Same-day for approved files

What to ask Capchase before signing

"What's the APR-equivalent on this deal?" A funder who can't or won't quote it has something to hide. Required disclosure in five states as of 2026.
"Is there a prepayment discount?" Some funders charge the full factor regardless of payoff speed. Get the discount in writing before you sign.
"What's the reconciliation policy if my revenue drops?" The best funders adjust the daily ACH downward when deposits drop. Many won't. Ask in writing.
"Will you stack on top of an existing position?" Stacking is one of the top reasons MCA merchants default. If a funder accepts second/third position freely, that's a yellow flag for the merchant.

Frequently asked questions

Is Capchase a direct funder or a broker?: Capchase is a direct funder — they underwrite and deploy capital from their own balance sheet (or institutional credit facility), not by routing your file to other lenders. This matters because direct funders are accountable for the terms they quote.
What's the minimum revenue Capchase will fund?: Capchase's published floor is $8,000+ MRR in average monthly revenue, with 6 months minimum time in business. Credit score floor is No FICO check — ARR-based. These are box minimums — actual approval requires bank statements showing consistent daily deposits and acceptable NSF history.
How fast can Capchase fund?: Capchase's public speed quote is Funding in 48 – 72 hours after approval. In practice, clean files (consistent revenue, no NSFs, no second position) fund at the fast end of that range. Files needing additional documentation, second-position deals, or larger amounts ($250K+) take longer.
Should I go directly to Capchase or through a broker?: Going direct gets you a single quote with no broker commission baked into the factor rate. Going through a broker (like Fundnode) gets you scored against multiple funders, including Capchase, with full disclosure of how we earn. There's no universal right answer — but if you only want one quote, going direct saves the broker's cut.
What's Capchase's biggest weakness vs alternatives?: SaaS-only. Pricing competitive but not cheapest — VC-backed SaaS with revenue traction often gets better terms from venture debt funds. Setup requires platform integrations.

Capchase — honest 2026 review.