In today’s fast-moving business landscape, having quick access to working capital can make or break a small business. For entrepreneurs with inconsistent cash flow or challenged credit scores, traditional financing may be out of reach. Merchant cash advance providers help bridge the gap by delivering fast capital, repaid through a share of your upcoming sales.
Merchant cash advances (MCAs) are ideal for businesses with steady daily revenue, such as retail shops, restaurants, and service providers. Unlike traditional loans, MCA approvals are based more on sales volume than credit score, making them particularly attractive for businesses with limited financial history or bad credit.
Here’s a breakdown of the leading merchant cash advance firms in 2025, chosen for their quick approvals, adaptability, industry reputation, and client reviews.
MCA Solutions for Challenging Credit: Merchant Cash Advance Bad Credit
If banks have turned you down due to your credit score, don’t worry—you’re not alone. One of the most critical trends in 2025 is the rise of merchant cash advance bad credit providers. These lenders understand that credit scores don’t always reflect your business potential.
Such MCA loan companies evaluate your past sales and overall revenue, rather than focusing solely on credit ratings. For example, if your business consistently brings in $5,000+ in monthly credit card transactions, you could qualify for a merchant cash advance even with a FICO score under 600.
By focusing on revenue over risk, these companies open the door for thousands of small business owners to access the cash they need to thrive.
Fundshop: Best Overall for Speed and Flexibility
Fundshop has quickly risen to the top of the list of merchant cash advance companies in the United States, offering tailored funding solutions to businesses that need capital quickly. Whether you’re facing seasonal dips in cash flow or need an immediate cash injection to restock inventory, Fundshop has you covered.
- Loan Type: Merchant Cash Advance
- Funding Speed: As fast as 24 hours
- Credit Criteria: Lenient—businesses with credit scores starting at 500 may qualify.
- Loan Amounts: Up to $500,000
- Payback Method: Daily or weekly percentage of sales
- Why Choose Fundshop: Streamlined application, high approval rates, and personalized support
Fundshop's MCA options are especially appealing for newer businesses or those recovering from economic downturns. With simple qualifications and a strong affiliate network, it’s easily one of the top merchant cash advance companies to work with in 2025.
Lendini: Best for High-Risk Industries
Some merchant cash advance providers shy away from high-risk industries—but not Lendini. This MCA lender specializes in working with businesses operating in sectors such as hospitality, construction, and retail.
- Key Features:
- Approves low credit scores
- Funding in as little as 24 hours
- Willing to fund high-risk businesses
Lendini stands out from other top MCA lenders by not shying away from complicated financial situations.
Credibly: Best for Transparent Terms
Credibly is one of the most trusted names in the merchant cash advance companies list, with a strong reputation for transparency. They offer clear terms, no hidden fees, and a customer-first approach.
- Key Benefits:
- Tailored payment plans
- Responsive customer service
- Suitable for businesses earning $15,000+/month
If clarity and service are top priorities, Credibly is one of the best merchant cash advance companies to consider.
National Funding: Best for Established Businesses
While some MCA loan companies cater to startups, National Funding is best suited for businesses with a few years of experience under their belt. They offer larger advance amounts and competitive repayment rates.
- Why It Stands Out:
- Larger MCA options available
- Approvals for businesses operating for 2+ years
- Equipment financing options included
National Funding is ideal for businesses with substantial monthly revenue seeking long-term growth.
Reliant Funding: Best for Customized MCA Programs
What makes Reliant Funding unique among merchant cash advance companies is its customized repayment options. Whether you prefer daily, weekly, or percentage-based payback, Reliant can tailor the structure to fit your business needs.
- Funding Range: $5,000 to $250,000
- Minimum Monthly Revenue: $10,000
- Application Process: Simple and fast
Reliant’s commitment to customization earns it a spot among the best merchant cash advance providers of 2025.
Fora Financial: Best for Repeat Borrowers
Fora Financial offers flexible MCAs and rewards loyal clients with improved terms over time. If you’ve successfully paid off one advance, you’re likely to get better rates and amounts on your next.
- Funding Speed: 48–72 hours
- Loan Amounts: Up to $750,000
- Best For: Businesses that plan to borrow again in the future
Fora Financial is a standout choice among top merchant cash advance companies for businesses seeking to establish a long-term funding relationship.
Figures Funding: Best for Fast Qualification
If you're looking to get funded today, 7figures Funding might be your go-to. This MCA provider offers rapid pre-qualification and funds most clients within 24 hours of approval.
- Loan Amount: Up to $250,000
- Time in Business Requirement: 6+ months
- Credit Score Needed: 500 minimum
Their fast-track process earns them a strong position in the list of merchant cash advance companies.
Final Thoughts
Choosing from the best merchant cash advance companies depends on your business’s specific needs—speed, credit flexibility, repayment structure, or industry fit. Whether you need $5,000 or $500,000, there are top MCA lenders out there ready to support your goals.
Fundshop, in particular, remains a strong first choice for business owners seeking merchant cash advance solutions with bad credit, without sacrificing speed or service. With the rise in alternative funding, the landscape of small business finance is changing—make sure you partner with an MCA provider that’s aligned with your vision.
