Revenue-Based Funding Estimator

MCA funders use a revenue-to-funding ratio to determine advance amounts. First-position advances (no existing MCAs) typically qualify for 75-150% of monthly revenue. Second positions see 50-100%, and third positions are limited to 30-60%. A business with $50,000 monthly revenue seeking first-position funding might receive offers from $37,500 to $75,000 depending on other qualifying factors. Our estimator calculates all three scenario tiers so you can plan accordingly.

MCA funders categorize industries by risk level. Low-risk industries like medical practices, insurance agencies, and established retail stores receive higher advance amounts and lower factor rates. Medium-risk industries include restaurants, salons, and auto repair shops. High-risk categories like construction, trucking, and seasonal businesses may see lower advance percentages but can still qualify for significant funding. Our estimator adjusts your estimate based on your specific industry's risk profile.

Time in business is a critical underwriting factor. Businesses with 6-12 months of operation are considered startup-adjacent and typically qualify for lower amounts (50-75% of monthly revenue) with higher factor rates. At 1-2 years, you're in the standard qualifying range. Businesses with 3+ years of consistent operation often receive premium offers with the highest advance amounts and lowest rates. Every additional year in business strengthens your file.

While MCAs are famously 'credit flexible,' your credit score still influences the offer. Scores above 650 open the door to premium funders offering higher amounts at lower rates. Scores of 550-650 access the mainstream MCA market. Below 550, you're limited to fewer funders but can still qualify if revenue and bank statements are strong. Unlike bank loans where credit is often the deciding factor, MCAs treat credit as one of many evaluation criteria.