The most comprehensive directory of MCA funders for brokers. Search 67+ funders by revenue, credit score, positions, industry, and more. Find the right match and connect with ISO reps — all free.
67+
Active Funders
2
Verified Funders
29
No Min Credit
32
Accept Defaults
5
Reverse Funders
19
Industries
A merchant cash advance (MCA) is the purchase of a business's future receivables at a discount. Unlike a traditional loan, an MCA provider advances a lump sum of capital upfront, and the merchant repays a fixed total amount through daily or weekly ACH debits from their business bank account — or through a percentage split of their credit card processing volume.
Because MCAs are structured as commercial transactions rather than loans, they are not subject to the same lending regulations, usury caps, or disclosure requirements that govern traditional bank financing. This makes them faster to fund (typically 24-48 hours), more flexible in approval criteria, and accessible to businesses that banks reject — including those with low credit scores, limited time in business, or existing debt obligations.
The total cost of an MCA is expressed as a factor rate — a decimal multiplier applied to the advance amount. A $50,000 advance at a 1.35 factor rate means $67,500 total repayment. Factor rates typically range from 1.10 for low-risk first-position deals to 1.50+ for higher-risk profiles. Use our underwriting calculator to model different scenarios.
MCA Directory is built for brokers who need to match deals with the right funders — fast. Here's how it works:
Input the merchant's monthly revenue, credit score, current positions, whether they have defaults, their industry, and state. The search takes seconds.
Our directory instantly filters 67+ funders and shows you only the ones that match your deal. No more guessing or submitting blind.
Create a free account to unlock funder names, contact details, and request direct introductions to the funder's ISO representative.
Every funder in our directory is categorized by the deal criteria that actually matter. Here's what you can filter by:
Filter funders by the merchant's monthly revenue. Find funders that accept deals from $5,000/mo to $1M+ — each funder has different minimums.
Search by revenue →29 funders in our directory have no minimum credit score requirement. Others start at 500, 550, or 600. Filter to find the right fit for your merchant.
Search by credit score →Whether your merchant is in 1st position or 5th+, filter to see only funders that will take that position. 46 funders accept 5th position and above.
Search by position →32 funders in our directory accept merchants who have defaulted on a previous MCA. Filter specifically for default-friendly funders.
Search for default funders →Some funders restrict high-risk industries like cannabis, trucking, or construction. Browse by your merchant's industry to see only funders that actively fund that vertical.
Browse by industry →Certain funders don't fund in specific states. Our search filters out funders that restrict your merchant's state, so every result is a viable match.
Search by state →MCAs and traditional business loans serve different needs. Here's how they compare:
| Criteria | Merchant Cash Advance | Traditional Business Loan |
|---|---|---|
| Speed | 24-48 hours | 2-6 weeks |
| Credit Score | No minimum at many funders | Typically 680+ |
| Collateral | None required | Often required |
| Repayment | Daily/weekly ACH | Monthly installments |
| Cost Structure | Factor rate (1.10-1.50) | APR (6%-30%+) |
| Regulation | Minimal (commercial transaction) | Heavy (lending regulations) |
| Approval Rate | High — cash flow based | Low — credit/collateral based |
| Time in Business | As low as 3 months | Typically 2+ years |
| Use of Funds | Unrestricted | Often restricted |
Use the underwriting calculator to estimate MCA costs for any deal scenario.
MCA brokers earn commissions called points on each funded deal. Points are a percentage of the advance amount — typically 5 to 15 points depending on the funder, deal risk, and position.
The math is straightforward: a funder offers a buy rate (their minimum factor rate) and the broker adds their margin on top as the sell rate (what the merchant sees). The difference is the broker's commission. For example, 10 points on a $50,000 deal equals a $5,000 commission.
Brokers who work with more funders close more deals — because different funders have different risk appetites. A deal that gets declined by one funder might be exactly what another funder is looking for. That's why having access to a comprehensive funder directory matters. Check Funder Promotions for boosted commission offers from verified funders.
Not all funders serve every industry. Some restrict high-risk verticals like cannabis, trucking, or construction. Browse funders by your merchant's industry to see only companies that actively fund that vertical.
Every tool on MCA Directory is free to use. No subscription, no paywall, no credit card required.
Search 67+ MCA funders by revenue, credit score, positions, defaults, industry, and state. See instant matches for any deal.
Estimate payback amount, holdback percentage, and debt service ratio before you submit. Model different factor rates and terms.
40+ merchant cash advance terms defined in plain language. Factor rates, positions, holdback, stacking, UCC filings, and more.
Daily articles on MCA deal strategies, compliance updates, funder analysis, and actionable guides for brokers.
Stop guessing which funders will take your deals. Search 67+ MCA companies by the criteria that actually matter — free, instant, no application required.