Business Funding Questions,
Answered.

Absolutely nothing. Our service is 100% free to the business owner. We're compensated by the lender when your deal closes — which means we're only motivated to find you the best deal, not just any deal. No hidden fees, no application fees, no obligation.

Fill out our short online form — it takes about 2 minutes. Tell us your business name, monthly revenue, time in business, and how much you need. We review your profile and match you to the best lenders in our network. No paperwork upfront, no commitment required.

To pre-qualify, you need nothing upfront. Once we identify your best options, lenders typically request: 3–6 months of business bank statements, a voided business check, and a government-issued ID. We guide you through exactly what's needed for your specific offer.

Most lenders require at least 6 months in business. Some programs are available for businesses as new as 3 months. If your business is brand new, reach back out once you've been operating 3–6 months and have bank statements showing revenue.

Most alternative lenders approve in under 24 hours once you submit bank statements. Same-day approvals are routine for MCAs and revenue-based financing if you apply before 10 AM EST. Equipment financing takes 24-72 hours. Term loans 3-7 business days. SBA loans take 30-90 days. With The Broker Shop, you get a soft-pull pre-qualification in 2 minutes.

For most alternative lending you need: 3-6 months of business bank statements, a valid government ID, your EIN, and (if required) basic business info like address and revenue. Term loans and SBA loans require more: 2 years of tax returns, financial statements, and sometimes a business plan. Start the application — we'll tell you exactly what's needed for your situation.

Yes. Sole proprietors qualify for MCAs, equipment financing, lines of credit, and term loans — same products as LLCs and corporations. The key requirements are still revenue ($10K+ monthly), time in business (6+ months), and personal credit (500+ for MCAs). An EIN helps but isn't always required.

Yes. Most business loans are issued to the business entity (LLC, S-corp, C-corp) with a personal guarantee from the owner. The LLC is the primary borrower; the personal guarantee creates a backup if the business defaults. For owners with strong personal credit, this is the standard structure.

Usually no. Most business loans report only to business credit bureaus (Dun & Bradstreet, Experian Business, Equifax Business). They don't affect your personal FICO score during normal repayment. If you personally guarantee the loan, a default could eventually show on personal credit — but on-time payments stay off.

Yes — interest on a business loan is generally tax-deductible as a business expense. This includes interest on term loans, lines of credit, and equipment financing. MCA fees are typically deductible as a financing cost (consult your accountant for the specific treatment). The principal repayment is not deductible — only the interest/fee portion.

It depends on the product. Term loans usually allow prepayment, sometimes with a small prepayment penalty in early years. Lines of credit can be drawn and repaid freely. MCAs have a fixed total payback regardless of how fast you repay — some lenders offer early-payoff discounts. Apply and we'll surface the prepayment terms in every offer you see.

Most reputable lenders charge an origination fee (1-5% of the loan amount) and possibly a small documentation fee. MCAs have a single factor rate — no separate origination fee in most cases. SBA loans include the SBA guarantee fee. The Broker Shop charges $0 to the borrower — the lender pays our fee at closing.

Most lenders flex when revenue dips — reach out before missing a payment and you'll typically get a reconciliation, restructure, or temporary forbearance. The Broker Shop helps negotiate these for free. The most important thing is communication: lenders far prefer modifying terms over collections.

Three rules: (1) Never pay upfront fees before funding closes — legitimate brokers (like us) are paid by lenders at closing. (2) Avoid anyone guaranteeing approval before reviewing your statements. (3) Verify the lender's licensing in your state (CA, NY, UT, VA require commercial finance disclosure registration). The Broker Shop only works with vetted, licensed lenders.

A funding broker connects small businesses with lenders. Instead of applying to one lender at a time, a broker submits your application to their entire lender network simultaneously, finds the best offer for your situation, and presents it to you. The service is free to the business owner — the broker earns a fee paid by the lender when a deal closes. Full broker guide →

Yes — legitimate business funding brokers are completely free to the business owner. We're paid a fee by the lender when a deal closes. This is the same model used by mortgage brokers and insurance brokers. You never pay a broker fee out of pocket.

The lender pays the broker fee — not you. When your deal closes, the lender pays us a commission from their margin. The rate a lender offers through a broker is typically the same as or better than going direct, because broker relationships create competition.

One application gives you access to the right lenders — all from a single, free pre-qualification. Going direct to one lender means accepting whatever they offer or spending weeks applying to many lenders one by one. Brokers have relationships that often result in better rates and terms than going direct.

Yes, legitimate MCA brokers are a standard part of the small business financing market. Warning signs of problematic brokers: charging upfront fees before funding, guaranteeing approval, or pressuring you to accept offers quickly. The Broker Shop never charges upfront fees and has no obligation requirement — you see offers before committing to anything.

We're paid a commission by the lender when your deal closes. This fee comes from the lender — never from you. This aligns our interests with yours: we only get paid if you get funded, so we're motivated to find the best deal possible.

Good questions to ask any broker: Do you charge upfront fees? (Correct answer: No.) How many lenders are in your network? What happens if I don't like any of the offers? Will my credit be pulled to see my options? How do you get paid? A transparent broker will answer all of these clearly and without pressure.

We work with funding from $5,000 to $5 million. The amount you qualify for depends on your monthly revenue, time in business, credit profile, and type of funding. Most businesses can access 50%–150% of their average monthly revenue through an MCA. Most clients qualify for more than they expected.

Most lenders require at least $10,000–$15,000 in average monthly revenue and a minimum of 6 months in business. The more consistent your monthly revenue, the more options and better terms you'll get.

We fund 50+ business types — restaurants, contractors, trucking, salons, retailers, medical offices, law firms, auto shops, manufacturers, and many more. If you run a legitimate US business with revenue, we can almost certainly find options for you. Browse all industries →

Yes — we serve small businesses in all 50 states. Find your state →

Yes — that's the core value of working with a broker. Instead of one offer (or rejection) from one lender, we submit your profile to our entire network and bring back all qualifying offers. You compare them side by side and choose the one that fits your business best.

Yes. Start-up LLCs with 6+ months in business and $10,000+ in monthly revenue qualify for merchant cash advances, equipment financing, and revenue-based financing. Newer startups (under 6 months) can sometimes qualify for equipment financing where the equipment itself serves as collateral, or for business credit cards with a personal guarantee. The key requirements: revenue history, an active business bank account, and personal credit of 500+ for MCAs. Full requirements guide →

Pre-revenue startups typically can't get traditional MCAs or term loans, but options exist: equipment financing (where the equipment is the collateral), business credit cards with a personal guarantee, owner financing on purchases, or SBA microloans up to $50K. After you've generated 6 months of revenue ($10K+/month), the full lender market opens up.

Yes. 1099 contractors with consistent income show up on lender statements the same way W-2 wages would. Lenders look at your monthly deposits, history, and creditworthiness. The cleanest path is opening a business bank account, depositing all 1099 income there, and applying after 6 months of consistent deposits. See requirements →

An EIN by itself isn't enough — lenders also evaluate personal credit and business revenue for nearly all products. Some lenders advertise “EIN-only” financing, but it usually means business credit cards or vendor lines, not the lump-sum funding most owners want. For meaningful capital ($10K+), you'll need both an EIN and at least 6 months of business revenue.

Yes, depending on the products. A common combo: an equipment loan for fixed assets + a line of credit for working capital + a term loan for a one-time expense. Stacking multiple MCAs is less efficient than consolidating them. We help structure complementary products that don't crowd cash flow.

Most alternative lenders (MCAs, revenue-based, equipment financing, lines of credit) don't require a business plan — they underwrite on revenue and credit. SBA loans usually require one, especially for acquisitions and large amounts. For most owners applying for working capital, bank statements are all you need.

Merchant cash advances. Loosest requirements (500+ credit, 6 months in business, $10K+ monthly revenue) and ~60-70% approval rate — the highest in alternative lending. Funding in 24 hours. Trade-off is cost — MCAs are priced for speed and accessibility. For owners with bank rejection or bad credit, the MCA is the most reliable path to capital.

Yes. If both spouses are owners (typically 20%+ equity each), most lenders treat them as joint guarantors. Both credit profiles are reviewed and both sign the personal guarantee. The combined credit and income can strengthen the application. If only one spouse owns the business, only their credit is typically pulled.

A co-signer or additional guarantor adds their personal credit and financial backing to the application. Helpful when the primary applicant has thin or weak personal credit. The co-signer becomes personally liable if the business defaults — so it's a real obligation, not just a signature. Used most often when bringing in family on equipment or vehicle loans.

Yes — seasonal business is normal in dozens of industries we fund (landscaping, ski resorts, beach restaurants, holiday retail). Lenders look at trailing 12-month revenue, not single-month snapshots. Lines of credit work especially well: draw in off-season, repay during peak season. Line of credit guide →

Yes. Online-only businesses (e-commerce, SaaS, digital services) qualify for all major products. MCAs for Shopify, Stripe, Amazon are particularly efficient because lenders can verify revenue directly through processor integrations. No physical location required.

Yes. MCA lenders accept credit scores as low as 500. They primarily evaluate your monthly revenue ($10,000+/month) and business history — not just your FICO score. A business with consistent $30,000/month revenue and a 550 credit score will often get approved when a high-credit business with low revenue will not. Full bad credit guide →

Most MCA lenders accept credit scores starting at 500. Some will consider scores as low as 450 if monthly revenue is strong ($25,000+/month). The higher your revenue, the more flexibility on credit score requirements.

MCA approvals are based primarily on your business's revenue and bank statement health — credit score is not the primary approval factor, which is why many owners with less-than-perfect credit still qualify. Pre-qualifying won't affect your score.

Yes. Merchant cash advances and some revenue-based financing options are available at 500. Your monthly revenue ($10,000+ minimum) and bank statement health are more important than your credit score for these products.

MCAs typically do not report regular payments to personal credit bureaus. However, if you default and the lender obtains a civil judgment against you (which can happen with a personal guarantee), the judgment can appear on your credit report.

No — not during normal repayment. Pre-qualifying won't affect your credit score, and MCAs don't report to credit bureaus in the normal course. Your credit score is not impacted by taking an MCA unless you default and a judgment is obtained against you.

It depends on the type and timing. A discharged bankruptcy (Chapter 7) that is 1–2+ years old with strong current monthly revenue may still qualify with certain lenders. An open bankruptcy typically disqualifies you from most MCA products. Disclose your situation honestly — some lenders specialize in post-bankruptcy businesses.

Yes. Merchant cash advances and equipment financing approve owners with FICO scores as low as 500. Lenders focus on monthly business revenue ($10K+ minimum) rather than personal credit. A 500-credit owner with $30K/month in deposits gets funded routinely. Full 500-credit guide →

Yes — at 600+ FICO you qualify for a wider product range including term loans (better rates than MCAs), lines of credit, and equipment financing. SBA loans typically require 640-680. Above 700 unlocks the best rates from every lender on our network. Whatever your score, we shop all the right lenders to find the best available terms.

Five steps: (1) Get an EIN and open a business bank account. (2) Register with Dun & Bradstreet for a D-U-N-S number. (3) Open net-30 vendor accounts (Uline, Quill, Grainger) that report to business credit bureaus. (4) Pay all bills on or before the due date — early payments actually boost the score faster than on-time. (5) Apply for a business credit card. Most see a baseline score within 6 months.

Most do, but not all. MCAs typically require a limited personal guarantee (fraud + misrepresentation only, not full balance). Equipment financing is secured by the equipment itself, so the personal guarantee is usually minimal. SBA loans require unlimited PGs from 20%+ owners. Large established businesses sometimes qualify for “non-recourse” financing — no PG — but that's reserved for strong files.

Yes — an active or resolved tax lien doesn't automatically disqualify you. The key is having a documented payment plan with the IRS or state authority. Lenders want to see you're addressing it, not ignoring it. Many of our MCA and revenue-based lenders fund borrowers with tax payment plans in place.

A merchant cash advance (MCA) gives your business a lump sum upfront in exchange for a percentage of future daily credit and debit card sales. Repayment is automatic — a fixed percentage (called a retrieval rate) is deducted from daily sales until the advance is repaid. MCAs fund in 24 hours, require no collateral, and accept credit scores as low as 500. Full MCA guide →

MCA amounts typically range from $5,000 to $2,000,000, with most businesses qualifying for 50%–150% of their average monthly revenue. A business doing $50,000/month might qualify for $25,000–$75,000. Same-day deals typically fall in the $10,000–$500,000 range.

No. An MCA is technically a purchase of future receivables, not a loan. This means MCAs are not subject to usury laws that cap interest rates on loans. Instead of an interest rate, MCAs use a factor rate. There are no fixed monthly payments — repayment fluctuates with your daily sales.

The retrieval rate (also called the holdback) is the percentage of your daily card sales automatically deducted to repay the MCA. Typical rates are 10%–20%. A higher retrieval rate means faster repayment; a lower rate means slower repayment but more daily cash flow flexibility.

No — you can apply directly to individual MCA lenders. But using a broker means one application goes to the right lenders simultaneously, creating competition that typically results in better offers than going direct to a single lender. And it's free. Most business owners who understand how brokers work choose to use one.

No — MCAs are fully legal in all 50 U.S. states. They're regulated commercial transactions structured as the purchase of future receivables (not loans), governed by UCC Article 9 and FTC oversight. Thousands of small businesses use MCAs every day for fast capital, and reputable lenders comply with state commercial finance disclosure laws (CA, NY, UT, VA, and others). Full legal guide →

Yes — when you need one of four things: fast capital (24-hour funding), approval after a bank declined you, financing with bad credit, or payments that flex with your sales. MCAs are one of the only products that underwrite business revenue ahead of personal credit. For longer-term capital with predictable monthly payments, a term loan or SBA loan fits better. Full guide →

The "$3,000 rule" is a Bank Secrecy Act / FinCEN requirement: when a bank issues a cashier's check, money order, or traveler's check for $3,000 or more in cash, they must verify the customer's identity and retain transaction records for five years. It's an anti-money-laundering control. It doesn't restrict business funding, deposits, or withdrawals — and has no effect on your ability to receive an MCA or business loan.

Most MCAs cap at $500,000 — though we've placed advances up to $2 million for established businesses with $1M+ monthly revenue. The general formula is 50-150% of average monthly revenue. A business doing $80K/month typically qualifies for $40K-$120K. Higher revenue, longer time in business, and stronger credit all expand the cap.

No — pre-qualifying through The Broker Shop won't affect your credit score. Nothing is finalized unless you accept a specific lender's offer, and we'll always tell you what to expect first. Many MCA lenders underwrite on bank statements alone.

MCA approvals are based primarily on your business's revenue and bank statement health (NSFs, deposit consistency) — not just your FICO score. Some lenders approve on revenue alone if you have $25K+ in monthly deposits.

Yes. Modern MCAs are split into two products: traditional MCAs (repaid via credit card holdback) and revenue-based financing (repaid via daily/weekly ACH from your bank account). Cash-heavy businesses, B2B businesses billing on invoices, and ACH-payment businesses all qualify for revenue-based financing — no card processing required.

MCA fees (the difference between funded amount and total payback) are generally deductible as a business expense in the year repaid. Because MCAs are technically a sale of receivables, not a loan, the tax treatment is slightly different from interest expense — but the deductibility is similar. Always confirm with your accountant for your specific situation.

A factor rate is a decimal multiplier (typically 1.1–1.5) used to calculate total MCA repayment. Multiply the advance amount by the factor rate to get total repayment. Example: $50,000 × 1.3 factor rate = $65,000 total repayment. The $15,000 difference is the cost. Full factor rate guide →

Typical factor rates in 2026 range from 1.1 to 1.5. Most businesses qualify in the 1.2–1.4 range. Rates of 1.1–1.2 are excellent (strong credit, solid revenue). Rates above 1.45 are high-risk territory. The key drivers: credit score, monthly revenue, time in business, and industry type.

A factor rate is a fixed multiplier — it doesn't change based on how long repayment takes. APR (annual percentage rate) accounts for time — the same factor rate produces a higher APR if repaid in 6 months than 12 months, even though the dollar cost is identical. MCA factor rates expressed as APR can appear very high, but the actual dollar cost is fixed upfront.

Total payback = Advance Amount × Factor Rate. Example: $50,000 × 1.35 = $67,500. The daily deduction = your daily card sales × retrieval rate percentage. If you process $3,000 in card sales and have a 15% retrieval rate, $450 goes toward repayment that day. Higher sales = faster repayment.

Unlike loans, paying off an MCA early does not reduce your total cost — the factor rate determines a fixed payoff amount regardless of timing. Some lenders offer early payoff discounts (sometimes called "early buyout"), but this is not standard. Always ask about early payoff terms before accepting an offer.

Key factors: credit score (lower score = higher rate), time in business, monthly revenue level and consistency, bank statement health (NSFs raise rates), industry risk profile, and whether you have existing MCA balances. Improving any of these factors can meaningfully lower your rate.

MCAs use factor rates, not APR. To estimate APR: (Factor rate − 1) ÷ (term in months ÷ 12) × 100. Example: a 1.30 factor over 9 months = (0.30 / 0.75) × 100 = ~40% APR. Use our MCA calculator to see the math on your specific deal.

Five factors: (1) monthly revenue volume and consistency, (2) time in business, (3) personal and business credit, (4) industry risk profile, (5) whether you have existing MCA balances. Strong files (700+ FICO, $50K+/month, 2+ years) see 1.15-1.25. Mid-tier (550-650 credit, $20K-$50K/month) sees 1.25-1.40. The Broker Shop matches you to the lenders whose guidelines you meet to find your best available rate.

No. Once you accept and sign, the factor rate and total payback amount are fixed for the life of the advance. Only the timing of repayment varies based on revenue. This is one of the advantages of MCAs over variable-rate products — no surprise rate increases.

Yes. Same-day MCA funding is genuinely available. To maximize your chances: apply before 10 AM EST, have your last 3 months of bank statements ready to upload immediately, and respond to document requests within minutes. Most wire cutoffs are 3–5 PM EST. Full same-day guide →

Merchant cash advances are the fastest — same-day to 24-hour standard. Revenue-based financing is close. Online business loans take 1–3 business days. SBA loans take 30–90 days. Traditional bank loans take 2–4 weeks.

Yes. $50,000 is well within same-day range. You'll need $30,000+ in monthly revenue, clean bank statements (no NSFs), and to apply early (before 10 AM EST). A broker can identify which specific lenders prioritize fast funding for your amount.

Have these ready before you apply: last 3 months of business bank statements (PDF), a voided business check, and a government-issued ID. Having these prepared eliminates the back-and-forth that delays funding to the next day.

Many clients receive approval within hours and funds within 24 hours of approval. Same-day funding is common for MCAs. Business term loans from alternative lenders: 1–3 business days. SBA loans: 2–8 weeks. We'll give you a clear timeline before you commit to anything.

A merchant cash advance or revenue-based financing. Both can fund in 24 hours; same-day funding is routine if you apply before 10 AM EST with bank statements ready. Equipment financing 24-72 hours. Term loans 3-7 days. Same-day funding guide →

Yes — we place same-day deals up to $500K when bank statements support the file. The bar: $50K+ monthly revenue, 12+ months in business, clean bank statements (no NSFs in 90 days), and applying by 10 AM EST. Larger same-day amounts ($250K+) take more underwriting time but can still close same-day for clean files.

Yes — 24-hour funding is standard for MCAs, revenue-based financing, and equipment financing. Term loans take 3-7 days. SBA loans take 30-90 days. If speed is the priority, the MCA is almost always the right product.

Most common: missing bank statements, gaps between statements, NSF events in the last 90 days, undisclosed existing MCA positions, or applying after 10 AM EST (after the daily wire cutoff). Apply early in the morning with 4 months of clean statements and most files fund within 24 hours.

We offer: Merchant Cash Advances, Business Term Loans, Lines of Credit, SBA Loans, Equipment Financing, Invoice Factoring, and Revenue-Based Financing. We match you to the right product for your revenue, credit, and timeline.

A business term loan provides a fixed lump sum you repay in set weekly or monthly installments over a defined period (6 months to 5 years). Predictable payments, ideal for planned purchases, expansion, or equipment. Learn more →

A revolving credit facility — draw funds as needed up to a set limit, pay interest only on what you use, and as you repay, the funds become available again. Most flexible option for ongoing cash flow needs. Learn more →

Finance business equipment (trucks, machinery, kitchen equipment, medical devices) without paying cash upfront. The equipment itself serves as collateral — often easier approval and better rates than unsecured options. Learn more →

Sell outstanding invoices to a lender at a discount for immediate cash. Instead of waiting 30–90 days for customers to pay, you get the majority of the invoice value upfront. Ideal for B2B businesses with long payment cycles — contractors, staffing, manufacturers.

Invoice factoring sells your outstanding invoices to a factoring company at a small discount (typically 1-5%). You get immediate cash; the factor collects payment from your customer when the invoice matures. Best for B2B businesses with net-30 to net-90 receivables. Different from a loan — there's no debt on your books. Full guide →

You receive a lump sum in exchange for a fixed percentage of future revenue until a predetermined total is repaid. Similar to MCAs but typically uses bank-statement holdback (not card sales) — making it accessible to B2B and cash-heavy businesses. Funding 24-48 hours, no collateral, 500+ credit OK.

A general-purpose loan to cover day-to-day operating expenses — payroll, inventory, rent, marketing. Working capital loans aren't a specific product; they're a use case. Best products for working capital: lines of credit (flexible draws), short-term loans (fixed lump sum), or MCAs (fast/no-collateral). The right choice depends on how predictably you'll repay.

Small business loans of $500 to $50,000, typically from SBA-affiliated nonprofits and community development financial institutions (CDFIs). Lower amounts, longer terms, and slightly lower credit requirements than bank loans. Best for very small businesses or startups. SBA microloans run 8-13% APR; non-SBA microloans can be higher.

Yes — with equipment financing, the equipment is the collateral but you own it from day one. At the end of the term, the lien is released and you own it free and clear. This differs from equipment leasing, where the lessor retains ownership and you typically have a buyout option at term end. Financing vs leasing →

Yes — most equipment lenders finance both new and used equipment. Used equipment typically requires a slightly higher down payment (10-20% vs 0-10% for new) and may have a shorter financing term. The equipment serves as collateral, so the lender will appraise it before funding.

Pre-revenue businesses typically can't get a traditional line of credit — most lenders require 6+ months of operating history and $10K+ monthly revenue. Newer businesses can sometimes get a secured business credit card or vendor net-30 accounts that function similarly. Once you have 6 months of revenue, full LOC eligibility opens up.

An MCA funds in 24 hours, requires 500+ credit and no collateral, but costs more (factor rate 1.1–1.5). An SBA loan is significantly cheaper (10–13% APR) but requires 640+ credit, 2+ years in business, collateral, and takes 30–90 days. Full MCA vs SBA comparison →

Most businesses choose an MCA because they don't qualify for SBA (credit below 640, less than 2 years in business, or urgency of need). A restaurant with a broken HVAC in July can't wait 60 days for SBA approval. Speed and accessibility are the primary reasons.

Top alternatives: MCAs (24-hour funding, 500+ credit), revenue-based financing, online business term loans (3–5 days), business lines of credit, invoice financing, and equipment financing. Each suits different revenue profiles and needs. Full alternatives guide →

Bank denial is the most common reason businesses come to us. Alternative lenders evaluate your actual business performance — not just a credit score cutoff. A business doing $40,000/month with a 580 credit score that a bank rejected often has multiple competitive offers through our network.

Yes. Some businesses use an MCA for immediate needs while simultaneously applying for an SBA loan for longer-term capital. SBA underwriters will factor in existing MCA repayments as debt service obligations — disclose everything accurately.

SBA loans have lower rates (10-13% APR), longer terms (up to 25 years), and lower down payments — but they take 30-90 days to close and require 680+ credit + 2+ years in business. Non-SBA term loans fund in 3-7 days, accept 600+ credit, but cost 12-30% APR. For owners who can wait, SBA is cheaper. For owners who need speed, a term loan wins.

Banks offer the lowest rates (6-12% APR) but reject 80% of small business applications and take 4-8 weeks to underwrite. Alternative lenders (online lenders, fintech, MCA companies) approve 60-70% of applicants and fund in 24-72 hours, but at higher rates (12-50%+ APR equivalent). For owners with strong credit and time to wait, banks win. For everyone else, alternative lenders are the realistic path.

Credit cards work for everyday expenses with grace periods and rewards — but interest is 22-28% APR if you carry a balance. Business loans (term loans, LOCs) are better for larger amounts and longer payback. A typical owner uses both: credit card for everyday expenses paid monthly, a loan or line for capital expenditures and growth investments.

If you have B2B invoices on net-30/60/90 terms, invoice factoring is usually cheaper and doesn't appear as debt. If you bill consumers directly via cards or you don't have named invoices, MCAs or revenue-based financing fit better. Both can fund in 24-72 hours. We'll surface both options when you apply.

Online lenders specialize in speed and accessibility — they fund in 24 hours, work with 500+ credit, and don't require in-person meetings. Banks offer lower rates but take 4-8 weeks and reject most small business applicants. Online lenders have closed the rate gap significantly in 2026 — competition keeps prices reasonable.

Stacking means holding multiple MCAs from different lenders at the same time. There's a much smarter alternative: consolidation — combining all existing MCAs into one new advance with a single lower daily payment. Clients of ours have cut their weekly remit by 40–60% this way. If you already have one MCA and need more capital, consolidation almost always beats stacking. Full stacking guide →

Yes. The cleanest approach is a buyout/refinance: a new lender pays off your existing MCA and advances you more capital — one daily payment replaces the original, often at a lower blended factor rate. The Broker Shop arranges these in 24-72 hours, free of charge. Full second MCA guide →

A reverse consolidation program makes daily payments to your existing MCA lenders on your behalf while you make one manageable weekly or monthly payment to the consolidation company. It restructures cash flow and creates breathing room — typically cutting your daily outflow by 30–50% so the business stays cash-flow positive while it scales.

MCAs are built to flex with revenue — if your daily payment is too heavy, you have four built-in options: reconciliation (adjust the daily remit to current sales), restructure (lower payment + longer term), consolidation (combine multiple MCAs into one lower payment), or refinance (move to better terms). The Broker Shop arranges all four for free, often within 24-48 hours. Full repayment-help guide →

That scenario almost never has to happen, because MCAs include built-in flexibility most owners don't realize they have. Reconciliation clauses adjust the daily remit when revenue dips. Restructuring lowers the daily payment and extends the term. Consolidation combines multiple MCAs into one lower payment. Refinancing moves you to better terms. The Broker Shop sets up any of these in 24-48 hours, free of charge — the smart path is always to call us before there's a problem. Full repayment guide →

Yes — and lenders prefer to negotiate. Options include: a reduced daily holdback percentage (reconciliation), a longer repayment window (restructure), or a lump-sum settlement at a reduced amount. The earlier you reach out, the more flexibility you have. The Broker Shop handles these negotiations on your behalf at no cost.

Four options in order of impact: (1) Consolidation — combine multiple MCAs into one new advance with a lower daily payment. (2) Refinance with a single lender buyout — simplifies to one payment with better terms. (3) Restructure — lower payment plus longer repayment window with your current lender. (4) Reconciliation — adjust the daily remit based on actual current revenue. All four typically close in 24-48 hours through The Broker Shop, free of charge.