MCA vs. Business Line of Credit

A merchant cash advance (MCA) funds based on your revenue in 24-48 hours: up to $500,000. A business line of credit (SLOC) funds based on your credit score in 2-4 weeks: up to $150,000. The right choice depends on your timeline, your credit, and your revenue.

Quick Summary

• MCA: revenue-based, $15K+/month required, all credit types, funds in 24-48 hours
• SLOC: credit-based, 720+ personal credit required, no revenue or business history, funds in 2-4 weeks
• MCA = lump sum repaid via daily revenue percentage; SLOC = revolving credit, draw and reuse
• SLOC has 0% intro period (12-24 months); MCA uses a factor rate (costs more overall)
• You can qualify for both simultaneously if you meet both criteria

How Each Product Works

Merchant Cash Advance (MCA)

• Funding up to $250,000
• Based on business revenue, not credit score
• Repayment comes as a percentage of daily sales
• Funds in 24-48 hours

Syndicated Line of Credit (SLOC)

• Funding $50K-$150K
• 0% interest for the first 12 to 24 months
• Based on personal credit score (720+ required)
• Revolving line: draw, repay, draw again
• Funds in 2-4 weeks

Qualification Requirements

To qualify for an MCA:

• $15,000+/month in business revenue
• 6+ months in business
• No minimum credit score

To qualify for a SLOC:

• 720+ personal credit score
• No business history required
• No collateral required

When to Choose MCA

Choose an MCA if you need money fast and your business has consistent revenue. The 24-48 hour timeline is hard to beat when cash flow is the issue. It's also the better option if your credit score is below 720.

When to Choose a SLOC

Choose a SLOC if you have a 720+ credit score and want a revolving line you can draw from over time. The 2-4 week timeline is longer, but you get flexibility: borrow what you need, repay it, and access it again without reapplying.

What If You Qualify for Both?

If your credit is 720+ and your revenue is $15K+/month with 6+ months in business, you may qualify for both products. An unsecured business line of credit can provide long-term revolving access while an MCA covers immediate needs. Our qualifier routes you to the best fit: or both options: based on your profile.

Frequently Asked Questions

What is the main difference between an MCA and a business line of credit? An MCA is revenue-based with fast funding (24-48 hours). A business line of credit is credit-score-based with a revolving draw structure and a 2-4 week timeline.

How much can I get with an MCA? Up to $250,000, depending on your monthly revenue.

How much can I get with a business line of credit? $50K-$150K, depending on your credit profile.

Do I need collateral for either product? No. Both the MCA and SLOC are unsecured: no assets required.

Can I have both at the same time? Yes. If you qualify for both, using an MCA for immediate needs and a SLOC for longer-term access is a viable strategy.

Ready to See Your Options?

See If I Qualify

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