Funding comparison
Compare published guidelines for structure, timing, credit profile, and common uses. Final terms depend on underwriting and the specific offer.
Compare my optionsSide by side
These ranges and timing estimates were retained from the legacy Now Biz Fund project. They are not offers or guarantees.
| Consideration | Merchant Cash Advance | Working Capital |
|---|---|---|
| Range | $5K–$500K | $10K–$500K |
| Typical funding speed | 24–48 hours | 24–72 hours |
| FICO guideline | 500+ | 520+ |
| Often considered for | Strong daily card or deposit revenue with an urgent capital need | Smoothing payroll, inventory, or vendor timing |
| Structure | An advance repaid from future receivables through daily or weekly remittances | Shorter-duration capital structured around an operating cash-flow need |
The short version
A merchant cash advance exchanges a portion of future business receipts for fast capital and generally carries more frequent remittances.
The short version
Working-capital financing provides runway for near-term operating costs such as inventory, payroll, and supplier payments.
Decision guide
Merchant Cash Advance and Working Capital solve different cash-flow problems. Start with the use of funds and the payment cadence the business can reliably support, then compare total payback, term, fees, collateral, and prepayment terms in writing. Pre-qualification is not an approval or a final offer.
Start a no-obligation reviewCommon questions
Merchant Cash Advance has the faster published timing guideline here, but document readiness and underwriting determine actual timing.
Merchant Cash Advance lists 500+; Working Capital lists 520+. These are guidelines, not approval guarantees, and other underwriting factors apply.
Request the total repayment, fees, payment frequency, term, prepayment treatment, and any collateral or guarantee requirements in writing. A rate or factor alone does not show the full cost.
Sometimes, if each product serves a distinct need and the combined payments remain affordable. Existing obligations affect underwriting, so disclose them before accepting an offer.