✓ Funded in 24 hours✓ 500+ credit OK✓ $25K–$5M✓ Soft credit pull✓ Apply in 1 minute
Compare · 2026

MCA vs Revenue-Based Financing

They look similar but aren't. Here's how an MCA and revenue-based funding differ for contractors.

$25K–$5Mfunding range
24 hrstypical funding
500+credit scores OK
Contractors& trades
No collateralfor working capital

See how much your contracting business qualifies for

$25K to $5M in revenue-based funding for contractors and trades — approved on your revenue, funded in as little as 24 hours.

  • ✓ 500+ credit
  • ✓ 6+ months open
  • ✓ $10K+/mo revenue
1-Minute Application

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Start your application in about a minute. A real decision fast — soft credit pull, no obligation.

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🔒 Soft credit pull · will not affect your credit score

Short answer: Both repay from your deposits, but revenue-based financing often carries a lower effective cost and its payment flexes more cleanly with revenue, while a straight MCA is the fastest, most credit-flexible option. For most contractors, revenue-based is the smarter default. Contractor Capital Advance offers both, FICO 500+.

Reviewed by the Contractor Capital Advance Funding Team · Updated July 2026

How funding works, step by step

From application to funding in four steps — most contractors complete it within a day.

1

Apply in 5 minutes

Complete a short online application. It uses a soft credit pull that does not affect your score.

2

We review your deposits

Approval is based on your last 3 months of business bank statements — not tax returns or the contract.

3

Get your offer

Review your amount and terms up front, with any fees disclosed before you accept. No obligation.

4

Get funded

Sign and receive funds by ACH, often within 24 hours of approval.

MCA vs revenue-based

How they compare.

FeatureMCARevenue-Based
CostFactor rate ~1.2–1.5Often lower effective cost
PaymentFixed daily/weekly or %Flexes with deposits
Best forFastest, weakest creditMost contractors
Speed24 hours24 hours

How we help

  • We default you to the lower-cost option
  • Revenue-based flexes with your deposits
  • FICO 500+ accepted; approval on revenue
  • Fast decisions
  • Soft credit pull — no score impact
  • Honest cost comparison before you sign

What you need to apply

  • US-based contracting business
  • 6+ months in business
  • ~$30,000+ in monthly revenue
  • Last 3 months of bank statements
  • Valid EIN and business bank account

Frequently asked questions

What's the difference between an MCA and revenue-based financing?
Both repay from deposits, but revenue-based funding often costs less and flexes more cleanly with revenue; an MCA is the fastest, most credit-flexible option.
How fast can I get funded?
Most contractors fund within 24 hours of approval; the application takes about 5 minutes with a soft credit pull.
Do I need good credit?
No — FICO 500+ can qualify because approval is weighted toward revenue and deposits.
Is this a business loan or a cash advance?
Both are available. The right structure depends on your revenue, credit, and how you prefer to repay — fixed payments or a share of your deposits. We show you the options you qualify for before you commit.
What can I use the funds for?
Any legitimate business purpose — payroll, materials, equipment, mobilization, covering the gap between draws, or growth. There are no restrictions on how you deploy working capital.
Are there any upfront fees to apply?
No. Applying and getting a decision is free, and any fees are disclosed in your offer before you accept — so there are no surprises.

Sources & further reading

Figures on this page are typical 2026 industry ranges provided for general information; your actual terms are set at application.

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Apply in 5 minutes with a soft credit pull.

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Figures and factor-rate examples shown are illustrative 2026 ranges and vary by underwriting; actual terms are set at application. A merchant cash advance is a commercial financing product, not a loan in all states. Product and company names referenced are the property of their respective owners.

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Approved on your revenue, not just your credit. Start your 1-minute application.

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Why contractors choose us

Built around construction cash flow — progress billing, slow-paying GCs, mobilization, and equipment.

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Built for contractors

GCs, subs, HVAC, plumbing, electrical, concrete, roofing, excavation — we understand construction cash flow.

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Funded in 24 hours

Mobilize a new job, make payroll between draws, or buy materials — decision in as little as 4 hours.

📊

Approved on your revenue

500+ FICO accepted. We underwrite on your deposits and receivables, not just your credit score.

Ready to get funded?

Approved on your deposits, not just your score. Funded in as little as 24 hours.

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Apply Now — Funded in 24 Hours →
Before you go

See how much your contracting business qualifies for

$25K–$5M · funded in 24 hours · 500+ credit OK. A soft credit pull that will not affect your score.

START MY 1-MINUTE APPLICATION →

No obligation · takes about a minute