Compare merchant cash advances — and see what they really cost.
Browse 24 providers side by side on factor rates, funding amounts, and terms — then get matched with the ones that fit. We may be compensated when you connect with a provider; it never changes the data we publish.
Get matched →- 24 providers compared on the same terms
- Checking your options won’t affect your credit
- Free to use — no commitment
Get matched with providers
Tell us about your business — takes about 60 seconds.
Why business owners start here
Independent
Provider profiles are built from published terms — not pay-to-rank placements.
Comprehensive
24 providers compared side by side on factor rates, amounts, and requirements.
Free
No cost to compare or get matched. Providers pay us, which keeps it free for you.
How much will an MCA actually cost?
Merchant cash advances use a factor rate — not an interest rate. You repay the original advance multiplied by that rate, regardless of how fast you repay. A $50,000 advance at a 1.30 factor rate costs $15,000 in fees, giving you $65,000 total repayment. Repaid over 6 months, that works out to roughly 60% simple annualized APR — or around 150% true APR on an amortized basis.
- Factor rates typically run 1.10–1.50; most funded deals fall between 1.15–1.35
- True APRs commonly range 60–250% depending on repayment speed
- Shorter repayment terms dramatically increase the effective APR
Three steps to a smarter funding decision
Browse providers
Explore 24 MCA providers with detailed profiles covering rates, terms, minimums, and industry focus.
Compare terms
See factor rates, funding amounts, and repayment terms side by side to find the best fit.
Get matched
Tell us about your business and we’ll connect you with the providers most likely to fund you.
Built for business owners evaluating an MCA
MCA Calculator
Estimate your total cost of capital with our factor-rate calculator.
Try it →Funding Quiz
Answer a few questions and see which type of funding fits your situation.
Take the quiz →Comparison Table
View every provider in one sortable table — rates, amounts, and terms.
Compare now →Provider Directory
Browse detailed profiles for every major MCA provider in the market.
Browse all →Learn before you sign
In-depth articles to help you understand merchant cash advances and what a fair deal looks like.
How Much Does an MCA Cost?
Factor rates, total repayment, and how to calculate the true cost of a merchant cash advance.
Read guide → ComparisonMCA vs Line of Credit
How merchant cash advances stack up against a line of credit on cost, speed, and flexibility.
Read guide → Checklist10 Things to Check Before Signing
The factor rate, COJ clause, UCC lien, and reconciliation terms every owner should verify before accepting an MCA.
Read guide → AlternativesMCA Alternatives
Invoice factoring, SBA loans, and other options compared to merchant cash advances.
Read guide →See which providers fit your business
A 60-second form. No credit impact to check. Free to compare and get matched.
Get matched