TL;DR
Cross River Bank ranks #65 in our 2026 funder ranking. Best for merchants using fintech products underwritten by cross river — not a direct destination for smb applications. The strength: Major fintech-partner bank — underlying lender for many marketplace and BNPL products (Affirm, Upstart, others). The watch-out: Almost never directly customer-facing for small business.
Cross River Bank rate card 2026
| Category | Bank lender |
| Best for | Background bank for fintech-partnered loans |
| Amount range | Varies by partner |
| Cost (factor / APR) | Varies by partner product |
| Speed to fund | Varies by partner |
| Min time in business | 0 months |
| Min monthly revenue | Varies |
| Min credit score | Varies |
The strength — what Cross River Bank does better than anyone
Major fintech-partner bank — underlying lender for many marketplace and BNPL products (Affirm, Upstart, others). Strong technology stack supporting embedded lending across SMB and consumer.
The watch-out — what Cross River Bank doesn't put in marketing
Almost never directly customer-facing for small business. Bank's reputation has been pressured by regulatory scrutiny in 2023-2024 fintech-bank partnership reviews.
Who Cross River Bank is best for
Merchants using fintech products underwritten by Cross River — not a direct destination for SMB applications.
Who shouldn't apply
Merchants ranking solidly above Cross River Bank'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 Cross River Bank actually makes sense.
How Cross River Bank compares to the rest of the top 10
| Funder | Category | Cost | Speed |
|---|---|---|---|
| Cross River Bank (this funder) | Bank lender | Varies by partner product | Varies by partner |
| 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 Cross River Bank 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 Cross River Bank a direct funder or a broker?
- Cross River Bank 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 Cross River Bank will fund?
- Cross River Bank's published floor is Varies in average monthly revenue, with 0 months minimum time in business. Credit score floor is Varies. These are box minimums — actual approval requires bank statements showing consistent daily deposits and acceptable NSF history.
- How fast can Cross River Bank fund?
- Cross River Bank's public speed quote is Varies by partner. 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 Cross River Bank 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 Cross River Bank, 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 Cross River Bank's biggest weakness vs alternatives?
- Almost never directly customer-facing for small business. Bank's reputation has been pressured by regulatory scrutiny in 2023-2024 fintech-bank partnership reviews.
Related reading
- The full 2026 ranking of 10 MCA funders — where Cross River Bank sits and why.
- How factor rates actually work — the math behind Varies by partner product.
- How to qualify for an MCA in 2026 — the 7 things underwriters check.
- Take the fundability quiz — find your tier in 2 minutes.