Proof, Not Promises
When an MCA Actually Made Sense
$30K same-day MCA for an emergency grease trap and ventilation repair. Health department gave her 48 hours. No time for a term loan. MCA funded same day. Bobby was honest about the cost — and showed her a cheaper refinancing option 90 days later.
Result: $30K funded → same day → refinanced into cheaper product at 90 days
$25K MCA for emergency engine rebuild. Customer’s car was on the lift, parts were needed TODAY. Same-day funding. Total repayment: $33,750 (1.35 factor). Expensive — but the repair billed $8K and kept the shop’s reputation intact.
Result: $25K funded → same day → $8K repair revenue → reputation saved
$50K MCA to bridge a 2-week gap between draws. GC was 14 days late on a $180K payment. Crew needed to be paid Friday. MCA covered payroll. When the GC payment hit, he paid off the MCA and total cost was $4,200 for the 2-week bridge.
Result: $50K funded → crew paid → $4,200 for 2-week bridge
$20K same-day MCA for engine failure on I-40. Shop wanted payment before starting. No time to apply for a term loan. MCA wired to the shop by next afternoon. Truck back on the road in 3 days.
Result: $20K funded → next day → truck running in 3 days
$40K MCA to cover an inventory gap — injectable supplier required prepayment and the order was time-sensitive. Funded same day. Treatments from that inventory generated $120K in revenue over 60 days.
Result: $40K funded → $120K revenue generated → 3x return
$75K MCA to grab a time-sensitive inventory closeout. Supplier was liquidating — 48 hours to decide. The inventory sold for $140K within 30 days. Net profit after MCA cost: $52K.
Result: $75K funded → $140K revenue → $52K profit after MCA cost
“Bobby told me upfront the MCA would cost $4,200 on a $50K advance. He also told me to pay it off the second my GC payment hit — and helped me set up a line of credit so I'd never need an MCA again. That's the kind of honesty I needed.”
James R.
General Contractor | Houston, TX
Qualification Estimator
See What You Qualify For in 60 Seconds
We'll check if a cheaper product fits first. If MCA is the only option that works for your timeline, we'll find you the lowest factor rate available.
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Estimated Approval Range
Based on 100-150% of monthly revenue
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Full Transparency
The Truth About MCA Costs — Factor Rate to Real APR
These are real MCA rates. Factor rates look low — 1.35 sounds reasonable. But convert to APR and you're paying 48%. Always calculate total repayment before signing.
A 1.35 factor rate SOUNDS low. It's actually 48% APR. Always convert to total repayment and effective APR before signing.
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Factor rate to APR conversion, total repayment, daily payment — see the full picture. No signup.
Calculate Your MCA Cost →Honest Comparison
Honest Comparison: MCA vs Working Capital vs Line of Credit
Bobby's take:
I'll fund an MCA when a business owner needs money today and no other product can get there fast enough. But I'll also tell them the real cost, show them cheaper alternatives, and help them refinance into a better product in 90 days. Anyone who pushes MCAs without explaining the cost isn't looking out for you.
— Bobby Friel, Basecamp Funding - Founder
If you're considering an MCA over $500K — stop. Our commercial team can structure working capital, term loans, or a capital stack at a fraction of the MCA cost.
Talk to a Commercial Specialist →Fear Removal
Every Objection Answered
Is an MCA ever actually worth it?
Yes — in specific situations. Emergency repairs with a deadline. Inventory that generates 2-3x its cost. Bridging a gap when a payment is 2 weeks late. The math works when the revenue or savings from the advance exceeds the cost by a clear margin. If you’re borrowing to cover general cash flow, an MCA is almost never the right product.
Can I refinance out of an MCA?
Yes — and you should as soon as possible. After 4-6 months of on-time MCA payments, you build a payment history that qualifies you for cheaper products. We help clients refinance MCAs into term loans or lines of credit at half the cost. The MCA is the bridge, not the destination.
Why not just wait for a cheaper option?
If you CAN wait 2-5 days, you should. Working capital at 12-18% APR costs half what an MCA costs at 40-65% APR. We’ll tell you if a cheaper product can fund fast enough. But if the health department gives you 48 hours, or your crew needs to be paid Friday, waiting isn’t an option. That’s when MCA earns its place.
I already have an MCA — can I consolidate?
Sometimes. If you’ve been paying on time for 4+ months and your revenue supports it, we can often refinance your existing MCA into a cheaper product. Stacking a second MCA on top of the first is almost always a bad idea — the daily payments compound and crush your cash flow. Let us look at consolidation first.
How do I calculate the real cost?
Multiply the advance by the factor rate. $50K × 1.35 = $67,500 total repayment. That’s $17,500 in cost. Divide by the term in months: $17,500 ÷ 8 months = $2,187/month in fees. Convert to APR: roughly 48%. Factor rates hide the true cost — always do this math before signing.
What if I pay it off early — do I save money?
Usually NO. This is the #1 trap with MCAs. Most MCAs have a fixed factor rate — you owe the same total regardless of when you pay. $50K at 1.35 = $67,500 whether you pay in 4 months or 8 months. Paying early just means higher daily payments, not less total cost. Some newer products offer early payoff discounts — we’ll find those when they exist.
Simple Process
How a Merchant Cash Advance Works
Tell us how much you need and why speed matters
60-second application — we check for cheaper alternatives first
If MCA is the best fit, we find the lowest factor rate
Review the FULL cost — total repayment, daily payment, effective APR
Accept only if the math works — fund same day
Right Fit?
Who an MCA Is For — and Who It's Not For
Great Fit
Not the Right Product
Not sure if an MCA is your only option? Try the qualification estimator — you might qualify for something cheaper.
Full Transparency
What Kills Your MCA Application
You Likely Qualify If
Red Flags That Cause Denials
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Let Us Check If Something Cheaper Fits First
Most business owners who think they need an MCA actually qualify for a cheaper product. Pre-qualify in 60 seconds — we'll show you ALL your options, not just the fastest one.
See What You Could Qualify For
Slide to your average monthly bank deposits.
Estimated Approval Range
Based on 100-150% of monthly revenue
No hard credit pull · No obligation · Estimate only
FAQs
Merchant Cash Advance FAQs
Merchant Cash Advance — Same-Day Funding, But Know the Real Cost Before You Sign
MCAs are the most accessible and fastest funding product in business lending. They're also the most expensive. A 1.35 factor rate sounds reasonable until you realize it's 48% APR. We fund MCAs when business owners need money today and no other product works — but we also tell them the real cost, show cheaper alternatives, and help them refinance in 90 days. Run the numbers on our loan cost calculator before you sign anything.
If you're a restaurant owner facing a health code deadline, a contractor bridging a late GC payment, or a shop owner with a truck down — an MCA can save your business. But if you can wait even 2-3 days, working capital at half the cost is almost always the better move. We fund MCAs for every industry, but we'll always check for cheaper options first. One 60-second application, no credit impact, and an honest conversation about what actually makes sense for your situation.
MCA often funds emergency repairs, equipment replacement, and business operations. If you need commercial coverage for your business assets, our sister company InsuranceService365.com provides business insurance across 29 states.
Let Us Check What You Actually Qualify For
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See All Your Options →No hard credit pull · Free to check · Nationwide