Merchant Cash Advance Rates 2026
Merchant cash advance factor rates in 2026 typically run 1.15 to 1.50, with some lenders pushing higher for riskier profiles. Quordx Capital works with 50+ lenders and can show you competing MCA offers side by side so you know exactly what each one costs before you commit.
This page is one option inside our broader guide to Alternative Financing. See how it stacks up against the other alternative-funding tools we track.
Last updated · Reviewed by Cody Dreis
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Cody Dreis
Founder, Quordx Capital
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Quordx Capital is a business funding broker, not a lender. We facilitate introductions between U.S. small and medium-sized businesses and lenders or capital providers in our network. All credit decisions, funding amounts, rates, fees, repayment terms, and timelines are determined solely by individual lenders based on their own underwriting criteria.
Funding figures and timelines shown on this page are illustrative and represent ranges within our lender network, they are not guarantees and individual outcomes may vary based on business profile, industry, time in business, revenue, credit history, and lender availability. Not all applicants qualify for every product.
The initial inquiry does not impact your personal credit score. Some lenders may perform a hard credit pull during underwriting; Quordx only authorizes such checks with your specific consent for the lender presenting an offer. Applicants are protected under the Equal Credit Opportunity Act (ECOA) from discrimination based on race, color, religion, national origin, sex, marital status, age, or because all or part of an applicant's income derives from any public-assistance program.
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