US merchant cash advances
Merchant Cash Advances in the United States: published rates, terms, and eligibility
20 US providers of merchant cash advances with published pricing, compared on cost, term, funding speed, and eligibility. Published costs run 15%–40%, quoted as factor fee.
For US businesses comparing merchant cash advances and the advisors, brokers, and finance leads preparing those comparisons.
| Provider | Published cost | What it measures | Term | Funding speed | Published criteria |
|---|---|---|---|---|---|
| Bitty Advance | 15%–30% | Factor fee | 3–12 months | 24–48 hours | Requires at least 4 months in business and $60,000+ in annual revenue. |
| Credibly | 15%–35% | Factor fee | 6–15 months | 24–48 hours | Requires at least 6 months in business and $180,000+ in annual revenue. |
| Fora Financial | 15%–35% | Factor fee | 4–15 months | 24–48 hours | Requires at least 6 months in business and $180,000+ in annual revenue. |
| Libertas Funding | 15%–32% | Factor fee | 6–18 months | 48 hours to 1 week | Requires at least 2 years in business and $600,000+ in annual revenue. |
| Mulligan Funding | 15%–35% | Factor fee | 4–18 months | 24–48 hours | Requires at least 1 year in business and $120,000+ in annual revenue. |
| Rapid Finance | 15%–38% | Factor fee | 3–18 months | 24–48 hours | Requires at least 1 year in business and $120,000+ in annual revenue. |
| Fundkite | 18%–38% | Factor fee | 3–15 months | 24–48 hours | Requires at least 6 months in business and $120,000+ in annual revenue. |
| Headway Capital MCA | 18%–35% | Factor fee | 4–15 months | 24–48 hours | Requires at least 1 year in business, $50,000+ in annual revenue and a 600+ FICO score. |
| Idea Financial | 18%–35% | Factor fee | 6–18 months | 24–48 hours | Requires at least 1 year in business and $120,000+ in annual revenue. |
| IOU Financial US | 18%–35% | Factor fee | 6–15 months | 24–48 hours | Requires at least 1 year in business and $120,000+ in annual revenue. |
| Lendini | 18%–35% | Factor fee | 4–15 months | 24–48 hours | Requires at least 6 months in business and $96,000+ in annual revenue. |
| National Funding | 18%–35% | Factor fee | 4–18 months | 24–48 hours | Requires at least 1 year in business and $120,000+ in annual revenue. |
| Pearl Capital | 18%–35% | Factor fee | 3–12 months | 24–48 hours | Requires at least 6 months in business and $120,000+ in annual revenue. |
| Quick Bridge Funding | 18%–38% | Factor fee | 3–15 months | 24–48 hours | Requires at least 6 months in business and $120,000+ in annual revenue. |
| Reliant Funding | 18%–38% | Factor fee | 4–15 months | 24–48 hours | Requires at least 6 months in business and $120,000+ in annual revenue. |
| The Fundworks | 18%–38% | Factor fee | 4–15 months | 24–48 hours | Requires at least 6 months in business and $120,000+ in annual revenue. |
| Expansion Capital Group | 20%–40% | Factor fee | 4–18 months | 24–48 hours | Requires at least 6 months in business and $96,000+ in annual revenue. |
| Forward Financing | 20%–40% | Factor fee | 3–15 months | 24 hours | Requires at least 6 months in business and $120,000+ in annual revenue. |
| Kalamata Capital | 20%–40% | Factor fee | 4–15 months | 24–48 hours | Requires at least 1 year in business and $180,000+ in annual revenue. |
| Greenbox Capital | 22%–40% | Factor fee | 3–12 months | 24 hours | Requires at least 6 months in business and $90,000+ in annual revenue. |
What the cost column measures
- Factor fee
- A fee on the total advanced, not an annual rate. Because it is charged in full over a repayment period shorter than a year, the equivalent annualised cost is materially higher than the number shown.
How to read these costs
The providers below do not all quote cost the same way, and the differences matter more than the numbers themselves. This comparison uses a single quoting convention. Costs stated on different bases are not directly comparable, and converting between them requires knowing the actual drawn amount, the repayment period, and the fee schedule.
Caplift shows the basis alongside every figure rather than reducing everything to one column, because that reduction is where comparison usually goes wrong. A fee that is charged once per trade cycle will annualise very differently depending on how many cycles a business runs in a year.
- Factor fee: A fee on the total advanced, not an annual rate. Because it is charged in full over a repayment period shorter than a year, the equivalent annualised cost is materially higher than the number shown.
What US providers actually require
Across the 20 providers listed, 1 of 20 state a minimum FICO score, with a median threshold of 600; 20 state a revenue floor, with a median of $120,000; 20 state a minimum trading history, with a median of 6 months.
Stated minimums are thresholds for consideration, not predictors of approval. A business that clears every published criterion can still be declined on concentration, industry, the quality of its records, or the lender's current appetite — and a business that misses one can still be funded where the rest of the file is strong.
- Lowest published credit-score threshold: 600
- Median published revenue floor: $120,000
- Shortest published trading history: 4 months
- Published criteria gate consideration, not approval
Speed, and what it costs
The fastest published funding timeline in this set is 24 hours (Forward Financing), and 2 providers publish a timeline of one business day or less. Speed is rarely free: the providers that fund fastest generally price higher, secure differently, or underwrite on narrower information than those that take weeks.
If timing is the binding constraint, it is worth separating the deadline that is real from the one that is preference. Paying a materially higher cost of capital to compress a timeline by a week is sometimes correct and often not, and the answer depends on what the funds are for.
Where a merchant cash advance fits
Merchant Cash Advances is one structure among several, and the comparison that matters is not which provider is cheapest within this page but whether this product suits the underlying need at all. Matching the financing term to the life of what it funds is the single most useful discipline here: short-duration capital against a long-lived asset creates refinancing risk that no rate advantage compensates for.
Caplift's assessment works through the same inputs a lender will: capacity, purpose, existing obligations, and the evidence behind the numbers. It produces a readiness view and a structured comparison, and it leaves the decision with the business and its advisors.
Common questions
Questions businesses ask
What do merchant cash advances cost in the United States?
Across the 20 providers compared here, published costs run 15%–40%, quoted as factor fee. That is an indicative range from published material, not a quote — actual pricing depends on the amount, the term, the security offered, and the provider's assessment of the business.
What FICO score is needed for merchant cash advances in the United States?
1 of the 20 providers listed publish a minimum FICO score. The lowest published threshold is 600 and the median is 600. Providers that publish no threshold generally underwrite case by case, which can cut either way.
How quickly can merchant cash advances be funded?
Published timelines in this set range from 24 hours at the fastest. Published timelines describe the provider's target once a complete file is submitted, and the preparation time before that point is usually the larger part of the calendar.
Does Caplift lend, or take a position in these facilities?
No. Caplift Financial Inc. is software. It does not lend, approve, originate, guarantee, or take any principal position in financing. Providers listed here are compared from published information, and their inclusion does not indicate a commercial relationship with Caplift.
How current are these figures?
They reflect Caplift's Q1 2026 catalogue review. Curated from named US lenders; confirm individual terms before relying on them. Pricing and eligibility change without notice, so confirm current terms directly with any provider before relying on them.
About this data, and its limits
- Figures are drawn from Caplift's Q1 2026 lender catalogue review and are indicative, not quotes. Curated from named US lenders; confirm individual terms before relying on them.
- 20 of 20 providers in this catalogue publish indicative pricing and appear below.
- Inclusion is not an endorsement, a recommendation, or an offer, and does not indicate a commercial relationship with Caplift. Pricing and criteria change without notice — confirm current terms directly with the provider before relying on them.
- Caplift compiles this information to the best of its ability from publicly available provider material, but does not guarantee that it is accurate, complete, or current, and accepts no liability for decisions made in reliance on it. Figures may be out of date or incorrect. Verify anything you intend to act on directly with the provider.
- Caplift Financial Inc. is not a lender and does not approve, originate, or guarantee financing. Nothing on this page is legal, financial, tax, accounting, or investment advice, and it should not be treated as a substitute for advice from a qualified professional who knows your circumstances.