MCA qualification is based on your business revenue — not just your credit score. If your business deposits consistent revenue into a bank account, you may qualify for funding between $5,000 and $500,000.
We review your bank statements to understand cash flow patterns. No tax returns required. No lengthy financial projections. Just proof that your business generates revenue.
Time in Business
Monthly Revenue
Credit Score
Application Time
We fund businesses across nearly every legal industry. Some of our most common verticals:
Gambling/casinos, firearms dealers, adult entertainment, marijuana dispensaries (even where state-legal due to federal banking restrictions), money service businesses and nonprofit organizations.
5-minute form. Basic business info and owner details. No hard credit pull at this stage.
Email or upload your last 3 months of business bank statements. That's all we need to start.
Your advisor presents your offer with clear terms: amount, factor rate, holdback % and total cost.
Sign electronically. Funds deposited within 24–48 hours. Some deals fund same day.
Not all applicants will qualify. Funding amounts and terms vary based on business revenue, time in operation, banking history and other factors. A soft credit inquiry is performed during application review. A hard credit pull may occur before final funding.
An MCA is not a loan. It is a purchase of future receivables at a discount. Factor rates range from 1.10 to 1.50. When expressed as an annualized percentage for comparison purposes, the effective cost typically ranges from 40% to 150%+, depending on the factor rate and how quickly the advance is repaid.
Repayment is made via daily or weekly ACH debits at a holdback rate of 10–20% of revenue. Failure to maintain sufficient funds for scheduled debits may result in bank fees, breach of agreement and potential legal remedies including enforcement of a UCC-1 lien on business assets.
State disclosures. Beacon Bridge Capital complies with all applicable commercial financing disclosure requirements including those in California (SB 1235), New York, Virginia and Utah. Specific cost disclosures will be provided before you sign any agreement.
Takes 5 minutes to apply. No obligation. No upfront fees. Your advisor calls with options — not a hard sell.
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