About MCA Guide
We bring clarity to merchant cash advance funding—so you can secure the right capital for your business with confidence.
Start Your ApplicationWhat We Do
We provide independent, data‑driven tools that help business owners navigate merchant cash advance options—without the sales pressure.
Compare 24+ Providers Side‑By‑Side
We track real offers from leading MCA companies, including funding amounts from $5,000 to $500,000, factor rates (1.15–1.45), holdback percentages (10–25%), and repayment timelines. For example, a restaurant seeking $75,000 might see offers with factor rates of 1.25 (total repayment $93,750) versus 1.38 ($103,500)—a difference of $9,750.
Free, Algorithm‑Driven Matching
Our matching engine analyzes your business profile—industry, monthly revenue, credit score, and funding need—and connects you with the top 3–5 providers that fit your situation. Instead of cold-calling 10 lenders and repeating your story each time, you answer one set of questions and see which providers are actually a fit for your profile.
Educational Content & Calculators
We produce in‑depth guides, case studies, and interactive tools like our MCA Calculator that show exactly how different terms affect your repayment. Our content includes real‑world examples: a trucking company that secured $120,000 at a 1.22 factor rate and a construction firm that used a $45,000 advance to cover payroll during a slow season.
How We Help You Secure Funding
Our three‑step process is designed to save you time, reduce confusion, and connect you with the best possible offers.
Share Your Business Profile
Tell us your industry (e.g., restaurant, retail, construction), average monthly revenue (e.g., $30,000–$80,000), and funding goal. We never ask for sensitive financial documents upfront—just the basics needed to match you accurately.
Receive Your Personalized Matches
Within minutes, our algorithm compares your profile against 24+ provider criteria and returns a shortlist of the best options. Each match includes specific dollar amounts, factor rates, holdback percentages, and estimated repayment totals. For example, a retail store with $45,000/month revenue might be matched with three lenders offering $50,000 at rates between 1.28 and 1.35.
Compare & Choose with Confidence
Review your matches side‑by‑side, read our unbiased provider reviews, and use our calculator to project cash‑flow impact. When you’re ready, connect directly with the lender—no middle‑man fees, no hidden costs. Most MCA providers fund approved deals within 24–48 hours once you accept an offer.
Our Promise to You
We operate by three non‑negotiable principles that define every interaction.
Full Transparency
We disclose every fee, term, and requirement upfront. You’ll never see a “teaser” rate that changes after you apply. Our comparison tables include actual factor rates, total repayment amounts, and holdback percentages—no marketing fluff.
No Hidden Fees
Our service is 100% free for business owners. We are not a broker; we do not charge referral fees or commissions. Lenders pay a flat subscription to be listed—your rates are not inflated to cover our costs.
Unbiased Recommendations
We do not prioritize lenders based on advertising spend. Our matching algorithm is driven solely by fit—your industry, revenue, credit profile, and funding needs. If a provider isn’t right for you, we won’t show them.
Free to Use, No Obligation
MCA Guide is free for business owners. You can compare providers, run calculations, and read every guide on this site without giving us your information. When you’re ready to apply, the matching tool connects you directly with lenders—no broker in the middle.
Whether you’re a restaurant needing $40,000 for equipment, a contractor looking for $80,000 to cover payroll, or a retail store seeking $25,000 for inventory, start by using our MCA calculator to understand what an advance will actually cost you.
Ready to Find Your Funding?
Get matched with top merchant cash advance providers in minutes—free, no obligation.
Start Your ApplicationNo credit check required to compare offers.