MCA Offer Comparison Tool

Research shows that 67% of small business owners accept the first MCA offer they receive, often leaving thousands of dollars on the table. The MCA industry is highly competitive, with hundreds of funders offering varying terms. Getting at least 3 offers creates competition and gives you leverage to negotiate. Our tool lets you input multiple offers and instantly see which one saves you the most money, has the most manageable daily payments, and offers the best overall terms.

When comparing MCA offers, focus on these five metrics: (1) Total Payback Amount — the total dollars leaving your account; (2) Factor Rate — the multiplier determining total cost; (3) Daily Payment — the daily cash flow impact; (4) Effective APR — the annualized true cost; and (5) Term Length — how long payments continue. A lower factor rate with a shorter term might cost less total but create higher daily payments that strain your cash flow. Our tool weighs all five factors to give you a comprehensive comparison.

Some MCA offers include fees that aren't immediately obvious: origination fees (1-3% of the advance), wire fees ($20-50), UCC filing fees ($50-200), and closing fees. These fees effectively increase your factor rate. A 1.25 factor rate with 3% origination fees costs more than a 1.28 factor rate with no fees. Always ask for a complete fee schedule and enter the total actual funding amount (after fees) into our comparison tool for an accurate side-by-side analysis.

Your timing significantly affects the quality of offers you receive. Apply when your bank statements look strongest — after high-revenue months, when your average daily balance is above average, and before any seasonal dips. Avoid applying immediately after large purchases that temporarily lower your balance. Funders look at your most recent 3 months of statements, so strategic timing can mean the difference between a 1.20 and a 1.40 factor rate.