How much do you need?
We’ll start with a brief questionnaire to better understand the unique needs of your business.
Once we uncover your personalized matches, our team will consult you on the process moving forward.
Here are 6 merchant cash advance companies
Lender | NerdWallet Rating▼ | Max loan amount▼ | Min. credit score▼ | Next steps |
---|---|---|---|---|
Expansion Capital Group Merchant Cash Advance with Fundera by NerdWallet | Best for Borrowers with bad credit | $300,000 | 500 | with Fundera by NerdWallet |
Fora Financial Revenue Advance with Fundera by NerdWallet | Best for Startups | $1,500,000 | 570 | with Fundera by NerdWallet |
Libertas Funding Revenue-Based Advance with Fundera by NerdWallet | Best for Established businesses | $5,000,000 | 650 | with Fundera by NerdWallet |
Giggle Finance Merchant Cash Advance with Fundera by NerdWallet | Best for Self-employed individuals | $5,000 | 300 | with Fundera by NerdWallet |
Credibly Merchant Cash Advance | Best for Low starting factor rates | $600,000 | 500 | |
Reliant Funding Merchant Cash Advance | Best for Limited revenue | $400,000 | 525 | |
Here are 6 merchant cash advance companies
Best for Borrowers with bad credit
Best for Startups
Best for Established businesses
Best for Self-employed individuals
Best for Low starting factor rates
Max Amount
$600,000
Min. Credit Score
500
Best for Limited revenue
Max Amount
$400,000
Min. Credit Score
525
I'M INTERESTED IN:
Our pick for
Borrowers with bad credit
Expansion Capital Group provides funding to borrowers with a minimum credit score of 500 or higher.
Expansion Capital Group Merchant Cash Advance
with Fundera by NerdWallet
Max loan
$300,000
Min. Credit score
500
with Fundera by NerdWallet
Our pick for
Startups
To qualify for a revenue advance from Fora Financial, you need a minimum of only six months in business.
Fora Financial Revenue Advance
with Fundera by NerdWallet
Max loan
$1,500,000
Min. Credit score
570
with Fundera by NerdWallet
Our pick for
Established businesses
Libertas Funding requires that you have good credit and strong annual revenue to qualify.
Libertas Funding Revenue-Based Advance
with Fundera by NerdWallet
Max loan
$5,000,000
Min. Credit score
650
with Fundera by NerdWallet
Our pick for
Self-employed individuals
Giggle Finance offers fast funding designed specifically for freelancers, contractors, online sellers and other self-employed individuals.
Giggle Finance Merchant Cash Advance
with Fundera by NerdWallet
Max loan
$5,000
Min. Credit score
300
with Fundera by NerdWallet
Our pick for
Low starting factor rates
Credibly offers factor rates on its merchant cash advances that start as low as 1.11.
Credibly Merchant Cash Advance
Max loan
$600,000
Min. Credit score
500
Our pick for
Limited revenue
You may be able to qualify for an MCA from Reliant Funding with a minimum of $5,000 in monthly revenue.
Reliant Funding Merchant Cash Advance
Max loan
$400,000
Min. Credit score
525
How to choose a merchant cash advance company
Funding availability
Costs of borrowing
Repayment options
Qualification requirements
Speed and application process
Transparency and lender reputation
Confession of judgment
Alternatives to merchant cash advance companies
Online lenders
Business lines of credit
Invoice factoring
Small-business grants
Find the right business loan
Wondering if you qualify?
It’s possible to get a business loan even if you have bad credit. Bad-credit business loans are available from alternative sources, like online or nonprofit lenders.