TL;DR
JPMorgan Chase Business ranks #34 in our 2026 funder ranking. Best for established merchants with chase business banking relationship needing sba 7(a), 504, or loc at bank-rate pricing. The strength: SBA Preferred Lender — top-5 SBA originator nationally. The watch-out: Strict underwriting — 24+ months operating, clean financials, 680+ credit.
JPMorgan Chase Business rate card 2026
| Category | Bank lender |
| Best for | SBA loans + business credit lines for Chase customers |
| Amount range | $10,000 – $25,000,000 |
| Cost (factor / APR) | SBA 7(a) APR prime + 2.75% to 4.75%; LOC APR 9% – 20% |
| Speed to fund | Pre-qualification minutes; funding 5 – 60 days |
| Min time in business | 24 months |
| Min monthly revenue | $15,000+ |
| Min credit score | 680+ |
The strength — what JPMorgan Chase Business does better than anyone
SBA Preferred Lender — top-5 SBA originator nationally. Strong term loan + LOC products for established merchants. Best Chase relationship pricing for customers maintaining business deposit accounts.
The watch-out — what JPMorgan Chase Business doesn't put in marketing
Strict underwriting — 24+ months operating, clean financials, 680+ credit. Slower than fintech alternatives. Branch-dependent — some products require in-person closing.
Who JPMorgan Chase Business is best for
Established merchants with Chase business banking relationship needing SBA 7(a), 504, or LOC at bank-rate pricing.
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 JPMorgan Chase Business actually makes sense.
How JPMorgan Chase Business compares to the rest of the top 10
| Funder | Category | Cost | Speed |
|---|---|---|---|
| JPMorgan Chase Business (this funder) | Bank lender | SBA 7(a) APR prime + 2.75% to 4.75%; LOC APR 9% – 20% | Pre-qualification minutes; funding 5 – 60 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 JPMorgan Chase Business 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 JPMorgan Chase Business a direct funder or a broker?
- JPMorgan Chase Business 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 JPMorgan Chase Business will fund?
- JPMorgan Chase Business's published floor is $15,000+ in average monthly revenue, with 24 months minimum time in business. Credit score floor is 680+. These are box minimums — actual approval requires bank statements showing consistent daily deposits and acceptable NSF history.
- How fast can JPMorgan Chase Business fund?
- JPMorgan Chase Business's public speed quote is Pre-qualification minutes; funding 5 – 60 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 JPMorgan Chase Business 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 JPMorgan Chase Business, 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 JPMorgan Chase Business's biggest weakness vs alternatives?
- Strict underwriting — 24+ months operating, clean financials, 680+ credit. Slower than fintech alternatives. Branch-dependent — some products require in-person closing.
Related reading
- The full 2026 ranking of 10 MCA funders — where JPMorgan Chase Business sits and why.
- How factor rates actually work — the math behind SBA 7(a) APR prime + 2.75% to 4.75%.
- How to qualify for an MCA in 2026 — the 7 things underwriters check.
- Take the fundability quiz — find your tier in 2 minutes.