Is Crest Capital a direct funder or a broker?

Crest Capital 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 Crest Capital will fund?

Crest Capital's published floor is $10,000+ in average monthly revenue, with 24 months minimum time in business. Credit score floor is 650+. These are box minimums — actual approval requires bank statements showing consistent daily deposits and acceptable NSF history.

How fast can Crest Capital fund?

Crest Capital's public speed quote is Approval in 4 hours; funding 1 – 3 days. 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 Crest Capital 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 Crest Capital, 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.

Crest Capital Review 2026 — Rates, Terms, Honest Verdict

Best for: Equipment + commercial vehicle financing with online speed. Amount range: $5,000 – $1,000,000. Speed: Approval in 4 hours; funding 1 – 3 days. Below: the rate card, the watch-out, alternatives we'd compare against, and the honest verdict.

TL;DR

Crest Capital ranks #62 in our 2026 funder ranking. Best for established businesses (24+ months, 650+ credit) needing equipment or commercial vehicles with fast online processing. The strength: Online-first equipment financing — application to funding in 1-3 days for clean files. The watch-out: Higher credit + TIB requirements (650+, 24+ months).

Crest Capital rate card 2026

Category	Specialty vertical
Best for	Equipment + commercial vehicle financing with online speed
Amount range	$5,000 – $1,000,000
Cost (factor / APR)	APR 7 – 22%
Speed to fund	Approval in 4 hours; funding 1 – 3 days
Min time in business	24 months
Min monthly revenue	$10,000+
Min credit score	650+

The strength — what Crest Capital does better than anyone

Online-first equipment financing — application to funding in 1-3 days for clean files. Strong commercial vehicle program. Section 179 tax-deduction-friendly structures.

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

Higher credit + TIB requirements (650+, 24+ months). Equipment-only. Limited to specific equipment categories.

Who Crest Capital is best for

Established businesses (24+ months, 650+ credit) needing equipment or commercial vehicles with fast online processing.

Who shouldn't apply

Merchants with less than 24 months in business will get an automatic decline — try Accord (3 months) or Greenbox (6 months) instead. 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 Crest Capital actually makes sense.

How Crest Capital compares to the rest of the top 10

Funder	Category	Cost	Speed
Crest Capital (this funder)	Specialty vertical	APR 7 – 22%	Approval in 4 hours; funding 1 – 3 days
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 Crest Capital 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 Crest Capital a direct funder or a broker?: Crest Capital 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 Crest Capital will fund?: Crest Capital's published floor is $10,000+ in average monthly revenue, with 24 months minimum time in business. Credit score floor is 650+. These are box minimums — actual approval requires bank statements showing consistent daily deposits and acceptable NSF history.
How fast can Crest Capital fund?: Crest Capital's public speed quote is Approval in 4 hours; funding 1 – 3 days. 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 Crest Capital 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 Crest Capital, 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 Crest Capital's biggest weakness vs alternatives?: Higher credit + TIB requirements (650+, 24+ months). Equipment-only. Limited to specific equipment categories.

Crest Capital — honest 2026 review.