Let's be friends!
Portal Login 1-888-382-3945

Funding Options for Businesses with Poor or Recovering Credit

As a Merchant Cash Advance (MCA) provider, we’re often asked what other financial products are viable options for businesses with poor or recovering credit. Here’s a quick rundown of the products that come to mind:

Business Credit Cards

Credit cards allow businesses flexibility in repayment, though interest does accrue. They are great for emergency situations when needing to make quick purchases or repairs.

Business Line of Credit

A Business Line of Credit is a revolving loan that gives access to a fixed amount of capital. Businesses often use Lines of Credit to finance their short-term working capital needs. In many cases, you will be required to offer collateral as a way of securing the Line of Credit.

Equipment Financing

Equipment financing is often pursued by businesses that need to replace or add new equipment. This financial product is often secured through the equipment you are purchasing. 

Merchant Cash Advance (our products/specialty!)

Merchant Cash Advances (MCAs) allow you quick access to your future sales in exchange for a percentage of your daily sales. One key difference between a Merchant Cash Advance and a business loan is what factor your repayment is based on. Loans charge you a fixed number each month, while MCAs are based on your projected revenue – so as your sales fluctuate, your payment amounts will fluctuate, too. This means more flexibility in repayment and more room to breathe.

Not sure which financial product is right for your business? Let’s chat!

We understand that each business has its own unique history and set of needs, and our products are not necessarily the right choice for every business owner. Though our sole product is the Merchant Cash Advance, our main goal is simply to support small businesses. We’re always here to offer guidance and help you understand which product will work best for your needs at this time.

If you wish to speak to someone now, please call us at 888-382-3945 or fill out this form to send us an inquiry. One of our teammates will get back to you as soon as they are available.


Revenue-Based Finance is formerly and alternatively known as Merchant Cash Advance, or MCA.