TL;DR
Knight Capital Funding ranks #87 in our 2026 funder ranking. Best for trucking and construction merchants who've been declined by generalist mcas and need industry-experienced underwriting. The strength: Strong industry focus on trucking and construction — verticals other MCAs avoid. The watch-out: Industry specialty pricing can be higher than generalist funders.
Knight Capital Funding rate card 2026
| Category | MCA specialty |
| Best for | MCA for trucking and construction industries |
| Amount range | $5,000 – $500,000 |
| Cost (factor / APR) | Factor 1.24 – 1.45 |
| Speed to fund | 1 – 3 business days |
| Min time in business | 6 months |
| Min monthly revenue | $15,000 |
| Min credit score | 550+ |
The strength — what Knight Capital Funding does better than anyone
Strong industry focus on trucking and construction — verticals other MCAs avoid. Direct lender relationships.
The watch-out — what Knight Capital Funding doesn't put in marketing
Industry specialty pricing can be higher than generalist funders. Fewer product options beyond MCA.
Who Knight Capital Funding is best for
Trucking and construction merchants who've been declined by generalist MCAs and need industry-experienced underwriting.
Who shouldn't apply
Merchants ranking solidly above Knight Capital Funding'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 Knight Capital Funding actually makes sense.
How Knight Capital Funding compares to the rest of the top 10
| Funder | Category | Cost | Speed |
|---|---|---|---|
| Knight Capital Funding (this funder) | MCA specialty | Factor 1.24 – 1.45 | 1 – 3 business 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 Knight Capital Funding 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 Knight Capital Funding a direct funder or a broker?
- Knight Capital Funding 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 Knight Capital Funding will fund?
- Knight Capital Funding's published floor is $15,000 in average monthly revenue, with 6 months minimum time in business. Credit score floor is 550+. These are box minimums — actual approval requires bank statements showing consistent daily deposits and acceptable NSF history.
- How fast can Knight Capital Funding fund?
- Knight Capital Funding's public speed quote is 1 – 3 business 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 Knight Capital Funding 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 Knight Capital Funding, 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 Knight Capital Funding's biggest weakness vs alternatives?
- Industry specialty pricing can be higher than generalist funders. Fewer product options beyond MCA.
Related reading
- The full 2026 ranking of 10 MCA funders — where Knight Capital Funding sits and why.
- How factor rates actually work — the math behind Factor 1.24 – 1.45.
- How to qualify for an MCA in 2026 — the 7 things underwriters check.
- Take the fundability quiz — find your tier in 2 minutes.