Both are repaid from what your business brings in and both fix the total up front. For established businesses doing $60K+ a month comparing agreements.
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Review revenue-based options and merchant cash advances through our partner, Merchant Fund Express, and compare the agreement details that matter.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
Qualified businesses can be funded in as little as 24 hours. A 5-minute application and about 3 months of statements; tax returns are not required.
FICO 500+ is considered and you start with a soft pull. Strong, consistent revenue matters a lot here.
The full repayment amount is in your offer before you accept, not a rate you have to translate. No surprise costs after you sign.
How repayment is collected is laid out in the offer up front, so you can compare agreements line by line.
Search for either term and you will find providers using them almost interchangeably. That is not entirely wrong. Both products advance capital now and collect from future revenue, and in both the total amount you repay is set before you sign. The useful question is not which label is on the offer, but how collection actually works and what it is tied to.
| Factor | Revenue-based financing | Merchant cash advance |
|---|---|---|
| Repaid from | A share of overall revenue or deposits | A share of card sales or a set amount from deposits |
| Total cost | Fixed up front | Fixed up front |
| Typical fit | Businesses with mixed payment channels such as ACH, checks, and cards | Businesses with heavy card volume |
| Collateral | Generally not secured by specific assets | Generally not secured by specific assets |
Agreements vary. Some MCAs collect from total deposits, which makes them behave much like revenue-based financing. Read the remittance section closely.
For illustration: a B2B janitorial company doing $130,000 a month collects almost entirely by ACH from commercial clients. A card-based split would barely touch its revenue, so a deposit-based revenue-based financing structure maps better to reality.
A pizza shop doing $78,000 a month, 85 percent on cards, is the classic MCA profile. Collection through card sales follows the register, busy weekends and all.
Owners with a mix of both should ask exactly which accounts and which receipts the collection draws from.
Both options come through our partner Merchant Fund Express, from $25,000 to $5,000,000. We focus on established businesses typically doing $60K or more a month. A 5-minute application, a soft credit pull to start, about three months of bank statements, and no tax returns. FICO 500+ is considered. Funding can arrive in as little as 24 hours for qualified businesses. Start here, or read how an MCA works first.
Sometimes the terms are used loosely. The real difference is what the collection is tied to: overall revenue or deposits versus card sales. Check the agreement.
There is no general answer. Compare the total repayment amount in each written offer for the same funding amount.
Both are generally not secured by specific assets, though the agreement may include a personal commitment from the owner.
A deposit-based structure usually maps better when card sales are a small share of revenue.
Yes. FICO 500+ is considered, and revenue history carries significant weight.
Example uses for illustration only.
Revenue-tied funding leans on deposit history, so make it easy to read.
One secure application. A soft credit pull to start. No obligation to accept an offer.
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