Direct MCA Funder — No Brokers, No Middlemen
Fast funding from a
direct source.
We're not a broker. We fund deals with our own capital — so you get faster approvals, lower costs, and one point of contact from application to funding.
✦ Same-day decisions · Funded directly · No broker fees
Approved
$125,000
Funded in 24 hours
Factor Rate
1.22
No broker markup
The Problem with Brokers
Why are you paying a middleman to access capital?
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Broker fees of 8–12 points buried in your deal — money that never reaches your business
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Your file gets shopped to dozens of funders — every one of them pulling your information
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Slow approvals while brokers juggle multiple funders to find someone who will say yes
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No accountability after funding — the broker disappears, and you're left on your own
Skip the middleman.
Work directly with the source.
Fast Capital Advance funds deals with our own capital. No broker markup, no file shopping, no runaround. You talk to the people who make the decision — and we fund you directly.
Direct Funder
01
Step One
Apply
Fill out a simple application and upload your most recent bank statements. It takes about 5 minutes. No hard credit pull, no obligation.
02
Step Two
Same-Day Decision
Our underwriting team reviews your application in-house — no waiting on third parties. Most businesses receive a decision within hours, not days.
03
Step Three
Funds in Account
Once approved and signed, funds are wired directly to your business account. Most deals are funded within 24 hours of approval.
Stop paying broker fees.
Get funded directly.
Apply in 5 minutes and get a same-day decision from a direct funder.
Apply Now
How It Works
Direct funding, start to finish
No brokers, no middlemen, no markup. Here's what it means to work with a direct funder.
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We Fund with Our Own Capital
Fast Capital Advance uses its own balance sheet to fund deals. That means no broker markup, no third-party approval chains, and no mystery about where your money is coming from.
You deal with the decision-maker — not a sales rep.
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Same-Day Underwriting
Our underwriting team works in-house. We review your application, analyze your bank statements, and deliver a decision the same day — usually within hours. No waiting for a broker to shop your file.
Most deals are funded within 24 hours of approval.
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Full Transparency
You see the full cost of your deal upfront — the factor rate, the total payback, the payment schedule. No hidden fees, no points buried in the rate, no surprises after you sign.
What we quote is what you pay. Period.
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One Point of Contact
From your first call to your last payment, you work with the same team. Questions about your account? Call us directly. Need to discuss a renewal? We're here. No runaround.
Direct relationships, not call center handoffs.
Why Direct Matters
"When you eliminate the middleman, you eliminate the markup, the delays, and the finger-pointing. That's why we fund direct."
Fast Capital Advance was built to give business owners a faster, more transparent way to access working capital — without the broker tax.
What you get with a direct funder
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No broker fees added to your rate
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Decisions made in-house — same day
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One team from application through payoff
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Full cost transparency before you sign
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Direct access to the people who funded your deal
Ready to work with a direct funder?
Apply in 5 minutes. Same-day decision. No broker fees.
Apply Now
Capital Solutions
Available programs — explained honestly
Every program has a right time and a wrong time. We tell you both.
Direct Funder: All programs below — unless otherwise noted — are funded directly by Fast Capital Advance with our own capital. No broker fees, no middlemen.
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SBA & Long-Term Options
Bankable · 5–25 Years
Conventional-rate, long-term financing through SBA programs or bank partners. The goal line — the lower-cost capital every business should be working toward. (Referral product — placed through lending partners)
Best For
- 680+ FICO with clean history
- 2+ years in business
- Stable, documented revenue
Not Yet If
- Active MCAs or heavy stacking
- Credit or banking issues unresolved
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Secured Lines of Credit
Long-Term · Revolving
Asset-backed revolving credit — draw what you need, repay, draw again. Lowest cost structure available outside of conventional bank financing.
Best For
- Businesses with 680+ FICO
- Real estate or equipment assets
- Businesses ready to move beyond MCAs
Consider Carefully If
- Collateral is limited or encumbered
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Monthly Payment Programs
Stability · 12–36 Months
Lower-frequency payment structure with reduced factor rates. Better for businesses with consistent monthly revenue and stronger credit profiles looking to protect cash flow.
Best For
- Established businesses with 650+ FICO
- Businesses that bank monthly vs. daily
- Clients transitioning from daily programs
Consider Carefully If
- Significant negative days in statements
- Heavy existing MCA stacking
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Revenue-Based Financing
Flexibility · Ongoing
Payments flex with your revenue — higher months pay more, slower months pay less. Reduces the strain of fixed payments during slower periods. Funded directly by Fast Capital Advance.
Best For
- Seasonal or cyclical businesses
- Service-based companies
- Businesses with variable monthly revenue
Consider Carefully If
- Revenue is already declining
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Consolidation & Restructure
Relief · Strategic
Combine multiple active positions into a single, manageable payment. Reduce daily cash drain, improve approval ceiling, and create breathing room for growth.
Best For
- Businesses with 2+ active MCAs
- Clients being crushed by daily debits
- Anyone building toward bankable financing
Not Always Available If
- Revenue has declined significantly
- Defaults or UCC liens are present
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Short-Term Working Capital
Speed · 3–12 Months
Revenue-based advance structured against daily or weekly deposits. Fastest access to capital — typically 24 hours from approval to funding. Funded directly by Fast Capital Advance.
Best For
- Immediate operational gaps
- Seasonal inventory needs
- Time-sensitive opportunities
- Businesses with strong daily revenue
Consider Carefully If
- Cash flow is already tight
- You are already 50%+ over leveraged
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We'll tell you which program fits — and fund it directly.
As a direct funder, we don't need to shop your file. We review your application in-house, match you to the right program, and fund it with our own capital. If we're not the right fit, we'll tell you — no runaround.
Qualification Overview
What you can qualify for — at every credit tier
Credit is one factor. Revenue, deposits, and debt load matter just as much. Here's the honest breakdown.
Monthly payment programs — 8–14% conventional
Secured line of credit options
SBA pathway (with qualifying revenue)
Lowest factor rates available
Highest approval ceilings
Best position for long-term financing. Our underwriting favors strong, consistent deposit patterns.
May qualify for monthly payment programs
Factor rates starting from 1.17
Hybrid bi-weekly structures available
Consolidation structures may apply
With strong deposits and consistent revenue, Tier B applicants often qualify for competitive rates. Our underwriting weighs cash flow heavily.
Weekly payment programs only
Approval based primarily on deposit volume and frequency
No monthly programs available at this tier
Our underwriting team structures carefully here — only what cash flow can genuinely support. We will decline if the deal doesn't make sense for your business.
Important: Credit score is one data point — not the whole picture. Tier A starts at 680, Tier B covers 600–679, and Tier C applies below 600. Final qualification also depends on average monthly revenue, deposit frequency, number of negative days, and existing MCA exposure. A 670 FICO with poor deposit patterns may qualify for less than a 610 FICO with strong, consistent deposits. Our underwriting analyzes all of these before presenting any options.
The Full Picture
What our underwriting looks at
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Average Monthly Revenue
The foundation of every underwriting decision. We typically fund 75–150% of monthly revenue depending on tier and program type.
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Deposit Frequency
How often money comes in matters as much as how much. Consistent daily deposits signal a healthier business than sporadic large ones.
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Negative Days
Days with a negative balance are a major red flag. More than 5–7 per month significantly reduces options and approval ceiling.
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Existing MCA Exposure
Active positions reduce approval ceilings. Heavy stacking is one of the fastest ways to limit your funding options.
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FICO & Credit History
Personal credit affects rate and program access — but can be offset by strong revenue and deposit patterns.
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Approval Ceiling
The maximum we'll extend based on all above factors combined. We calculate this before structuring — so you're never over-leveraged from day one.
Frequently Asked Questions
Straight answers about direct funding
No jargon, no runaround. Here's what you need to know about working with a direct funder.
Are you a direct funder or a broker?
We are a direct funder. Fast Capital Advance funds deals with our own capital. We are not a broker, and we do not shop your file to third parties. You deal directly with the company that makes the funding decision and sends the money.
How fast can I get funded?
Most businesses receive a decision the same day they apply. Once approved and signed, funds are typically wired within 24 hours. Because we fund in-house, there's no waiting on third-party approvals or broker coordination.
What does it cost? Are there broker fees?
There are zero broker fees — because there's no broker. The rate we quote you is the rate you pay. We show you the factor rate, total payback amount, and payment schedule upfront before you sign anything. No hidden points, no surprises.
What do I need to apply?
A simple application and your most recent 3 months of bank statements. That's it to get started. No hard credit pull at application. We may request additional documentation depending on the program and amount, but we'll tell you upfront.
What if I already have active MCA positions?
We work with businesses that have existing positions. Depending on your revenue, deposit patterns, and current exposure, we may be able to consolidate your positions into a single, more manageable payment — or fund alongside existing advances. We'll review your situation and tell you what's realistically available.
How is this different from working with a broker?
Brokers act as middlemen — they take your application, shop it to funders, and add their own markup (typically 8–12 points) to your rate. With us, you go straight to the source. No markup, no file shopping, no waiting for a broker to find someone willing to fund you. One application, one decision-maker, one relationship.
What are the minimum qualifications?
Generally, we look for at least 6 months in business, $15,000+ in monthly revenue, and an active business bank account. Credit score is a factor but not the only one — strong deposits and consistent revenue can offset lower scores. Apply and we'll tell you exactly where you stand.
Who do I contact if I have questions after funding?
The same team that funded your deal. Because we're the direct funder, you have a direct line to the people managing your account. No calling a broker who has to call the funder who has to call you back. One phone call, one team.
Have a question we didn't cover? We'll give you a straight answer.
Apply Now