TL;DR
Greenbox Capital ranks #2 in our 2026 funder ranking. Best for merchants between $15k and $35k/mo with 12+ months operating; brokers wanting white-label deals. The strength: Five products under one roof: MCA, invoice factoring, equipment financing, collateral loans, LOC. The watch-out: $250K MCA cap is below competitors.
Greenbox Capital rate card 2026
| Category | Multi-product |
| Best for | Broad product line + highest publicly stated broker commission |
| Amount range | $5K – $250K (MCA); other products vary |
| Cost (factor / APR) | Factor varies; published up to 19% ISO commission |
| Speed to fund | 24 – 48 hours |
| Min time in business | 6 months |
| Min monthly revenue | $15,000 |
| Min credit score | Flexible — accepts down to 500 on some programs |
The strength — what Greenbox Capital does better than anyone
Five products under one roof: MCA, invoice factoring, equipment financing, collateral loans, LOC. White-label contracts let brokers run the deal under their own brand. Priority 1 status for new ISOs.
The watch-out — what Greenbox Capital doesn't put in marketing
$250K MCA cap is below competitors. Marketing tilts broker-friendly more than merchant-transparent.
Who Greenbox Capital is best for
Merchants between $15K and $35K/mo with 12+ months operating; brokers wanting white-label deals.
Who shouldn't apply
Merchants ranking solidly above Greenbox Capital'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 Greenbox Capital actually makes sense.
How Greenbox Capital compares to the rest of the top 10
| Funder | Category | Cost | Speed |
|---|---|---|---|
| Greenbox Capital (this funder) | Multi-product | Factor varies; published up to 19% ISO commission | 24 – 48 hours |
| Credibly | MCA + multi-product | Factor 1.11+ (MCA); APR varies for term + LOC | As fast as 4 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 |
| Fundbox | LOC | Weekly fee structure; APR-equivalent typically 30–60% | As fast as 1 day |
What to ask Greenbox 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 Greenbox Capital a direct funder or a broker?
- Greenbox 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 Greenbox Capital will fund?
- Greenbox Capital's published floor is $15,000 in average monthly revenue, with 6 months minimum time in business. Credit score floor is Flexible — accepts down to 500 on some programs. These are box minimums — actual approval requires bank statements showing consistent daily deposits and acceptable NSF history.
- How fast can Greenbox Capital fund?
- Greenbox Capital's public speed quote is 24 – 48 hours. 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 Greenbox 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 Greenbox 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 Greenbox Capital's biggest weakness vs alternatives?
- $250K MCA cap is below competitors. Marketing tilts broker-friendly more than merchant-transparent.
Head-to-head: Greenbox Capital vs alternatives
Side-by-side comparisons with rate cards, use-case verdicts, and FAQs for picking between Greenbox Capital and the closest alternatives in our 2026 ranking:
Head-to-head
Greenbox Capital vs Credibly
See the comparison →
Head-to-head
Greenbox Capital vs Accord Business Funding
See the comparison →
Head-to-head
Greenbox Capital vs OnDeck
See the comparison →
Related reading
- The full 2026 ranking of 10 MCA funders — where Greenbox Capital sits and why.
- How factor rates actually work — the math behind Factor varies.
- How to qualify for an MCA in 2026 — the 7 things underwriters check.
- Take the fundability quiz — find your tier in 2 minutes.