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MCA · 2026

Merchant Cash Advance for Contractors

Fast cash repaid from your deposits — and the smarter, lower-cost options worth comparing first.

Short answer: A merchant cash advance gives contractors fast cash repaid as a share of deposits or a fixed daily/weekly amount. It's quick and credit-flexible (FICO 500+) but priced with factor rates — so we also compare revenue-based funding or a line of credit, which often cost less. All through Funded Contractor Capital.

MCA vs the alternatives

How an advance compares to lower-cost options.

OptionCost basisBest for
Merchant Cash AdvanceFactor rate ~1.2–1.5Fastest, weakest credit
Revenue-Based FundingLower / % of revenueUneven cash flow
Line of CreditInterest on drawsOngoing needs
Term LoanFixed ratePredictable, larger

Why contractors choose us

  • We compare MCA against lower-cost options first
  • FICO 500+ accepted; approval on revenue
  • Funds in as little as 24 hours
  • Repay as fixed payments or a share of deposits
  • No tax returns — 3 months of bank statements
  • One application, multiple funding options

What you need to apply

  • US-based contracting business
  • 6+ months in business
  • ~$30,000+ in monthly revenue
  • Last 3 months of bank statements
  • Valid EIN and business bank account

Frequently asked questions

Is an MCA good for a contractor?
It can work for a fast short-term need, but revenue-based funding or a line of credit often deliver similar speed at lower cost.
Can you refinance an expensive MCA?
Yes — an existing advance can often be refinanced or consolidated into a lower daily payment.
How fast can I get funded?
Most contractors fund within 24 hours of approval; smaller amounts can fund the same day. The application takes about 5 minutes with a soft credit pull.
Do I need good credit?
No — FICO 500+ can qualify because approval is weighted toward revenue and bank-deposit consistency.

Get funded the smart way

Apply in 5 minutes with a soft credit pull. We'll show you the lowest-cost option.

Apply Now →

Figures shown are typical 2026 industry ranges and vary by underwriting; actual terms are set at application. Funding is subject to approval. Product and company names referenced are the property of their respective owners.