CAN Capital

Overview

CAN Capital (formerly Capital Access Network) is one of the oldest and most established merchant cash advance providers in the industry, founded in 1998. The company specializes in providing working capital solutions for small businesses through merchant cash advances and short-term loans. CAN Capital focuses on building long-term relationships with businesses, offering repeat funding with improved terms for loyal customers.

Key Differentiators:

• Industry pioneer: One of the first MCA providers (founded 1998)
• Relationship-based lending: Focuses on repeat business with improving terms
• Revenue-based underwriting: Emphasizes business performance over credit scores
• Multiple product options: MCAs, working capital loans, equipment financing
• Transparent pricing: Clear fee structure with no hidden costs

Merchant Cash Advance Details

Factor Rates & Terms

• Factor rates: 1.15–1.35 (competitive for established businesses)
• Advance amounts: $2,500 – $250,000
• Holdback percentage: 8–20% of daily credit card sales
• Term length: 3–12 months typically
• Renewal options: Available after 50% repaid, with improved terms

Eligibility Requirements

• Time in business: 6+ months (prefer 1+ years)
• Annual revenue: $175,000+ minimum ($14,600+/month)
• Credit score: No published minimum (emphasis on revenue over credit)
• Bank statements: 4–6 months required
• Credit card processing: Required for traditional MCAs
• Industry restrictions: Most standard industries accepted

Funding Speed

• Application to approval: 24–48 hours
• Approval to funding: 1–3 business days
• Documentation: Digital submission, minimal paperwork
• Repeat funding: Faster for existing customers (often 24 hours)

Other Financing Products

Working Capital Loans

• Amounts: $2,500 – $150,000
• Terms: 3–18 months
• Rates: Factor rate 1.15–1.35
• Repayment: Daily or weekly ACH withdrawals
• Use cases: General working capital, inventory, payroll

Equipment Financing

• Amounts: Up to $150,000
• Terms: 12–60 months
• Rates: 8–25% APR
• Collateral: Equipment being financed
• Advantage: 100% financing available

E-Commerce Working Capital

• Amounts: $5,000 – $100,000
• Terms: 3–12 months
• Rates: Factor rate 1.15–1.30
• Specialization: Online sellers, marketplace businesses
• Repayment: Percentage of daily online sales

Application Process

Step-by-Step

1. Online application: Basic business information (10–15 minutes)
2. Document submission: Bank statements, processing statements, business documents
3. Underwriting review: 24–48 hour assessment
4. Offer presentation: Single offer with clear terms
5. Acceptance & funding: Sign agreement, receive funds in 1–3 days
6. Repayment begins: Daily deductions start immediately

Required Documents

• 4–6 months business bank statements
• Credit card processing statements (if applicable)
• Business tax returns (1 year for larger amounts)
• Business license/registration documents
• Owner identification (driver’s license, SSN)
• Voided business check for ACH setup

Cost & Fee Structure

Merchant Cash Advance Costs

• Factor rate fee: Built into total repayment (1.15–1.35 range)
• Administrative fee: $595 flat fee (replaces percentage origination)
• Underwriting fee: None
• ACH return fee: $25–$35 per failed withdrawal
• Early payoff: Discounts available (5–15% of remaining balance)
• No prepayment penalty: Can pay off early without penalty

Comparison to Industry Averages

Metric	CAN Capital Average	Industry Average
Factor rate	1.15–1.35	1.09–1.50+
Time to funding	24–72 hours	24–72 hours
Revenue minimum	$175K/year	$100K–$180K/year
Advance amount	50–125% of monthly revenue	50–250% of monthly revenue
Years in business	Since 1998 (25+ years)	Varies

Customer Experience

Ratings & Reviews

• Trustpilot: 4.9/5 stars (based on 1,200+ reviews)
• Better Business Bureau: A rating

Common Praises

• Established reputation: 25+ years in business
• Relationship focus: Improved terms for repeat customers
• Transparent terms: Clear pricing with no surprises
• Good for repeat funding: Easy to get subsequent advances
• Professional service: Knowledgeable account managers

Common Complaints

• Lower maximum amounts: $250K cap vs. some competitors’ $500K+
• Slower than some: 2–3 days vs. 24-hour competitors
• Stricter requirements: May require more documentation
• Less flexible for startups: Prefers 1+ year businesses

Industry Specializations

Best For These Industries

• Retail stores: Inventory purchases, seasonal needs
• Restaurants: Equipment, renovations, cash flow
• Service businesses: Marketing, expansion, working capital
• Healthcare practices: Equipment, payroll, expansion
• E-commerce: Inventory, advertising, scaling operations

Industries With Limitations

• Adult entertainment: Not accepted
• Gambling/casinos: Restricted
• Cryptocurrency: Limited acceptance
• Startups: Less than 6 months challenging

Strategic Considerations

When CAN Capital Makes Sense

• Established businesses: 1+ years in operation
• Relationship building: Want long-term funding partner
• Moderate funding needs: $250,000 or less
• Transparency priority: Value clear terms over absolute lowest cost
• Repeat funding plans: Plan to use multiple advances over time

When to Consider Alternatives

• Emergency funding: Need money in 24 hours or less
• Large amounts: Need over $250,000
• Brand new businesses: Less than 6 months old
• Lowest cost priority: Willing to trade transparency for lower rates

Contact Information

Primary Contact

• Website: cancapital.com
• Phone: (888) 354-3914
• Address: 1175 Peachtree Street NE, Atlanta, GA 30361
• Email: [email protected]

Application Portal

• Online application: cancapital.com/apply
• Customer portal: Existing customer access
• Status tracking: Application progress updates
• Support: Phone, email, dedicated account managers

Comparison to Other Providers

vs. OnDeck

• CAN Capital advantage: Better relationship terms for repeat customers
• OnDeck advantage: Faster same-day funding, broader online brand recognition

vs. Rapid Finance

• CAN Capital advantage: More established (1998 vs. 2005), better transparency
• Rapid Finance advantage: Higher amounts ($500K), faster emergency funding

vs. Square Capital

• CAN Capital advantage: Not tied to specific payment processor
• Square Capital advantage: Integrated with Square POS, potentially faster for Square users

Final Recommendation

Overall Rating: 4.2/5 Stars

Best suited for: Established small businesses (1+ years) with $175K+ annual revenue looking for a reliable, transparent funding partner for moderate amounts ($250K or less) who value long-term relationships over absolute lowest cost.

Consider if: You have consistent revenue, value clear terms, plan to use funding multiple times over your business lifecycle, and prefer working with an established industry pioneer.

Look elsewhere if: You need over $250,000, require funding in under 24 hours, have less than 6 months in business, or prioritize absolute lowest cost over transparency and relationship.

Bottom line: CAN Capital offers reliable, transparent merchant cash advances from one of the industry’s most established providers (founded 1998, $7B+ funded to 81,000+ businesses). The $595 flat administrative fee replaces percentage-based origination charges, which benefits larger-advance borrowers. While not the fastest or highest-capacity option, their relationship focus and clear terms make them an excellent choice for businesses seeking a long-term funding partner.

For a detailed provider comparison, see our Reliant Funding vs. CAN Capital breakdown, or compare CAN Capital against all 24 providers on the MCA comparison table. Use the MCA cost calculator to estimate CAN Capital’s total repayment cost before applying.

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Last updated: June 2026. Rates, terms, and product offerings subject to change. Verify current offers directly with CAN Capital before applying.