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FUNDING TRUTH
Average MCA factor rate 1.35 = 85–140% APR equivalent Ana compares 80+ funding sources — no commission, no agenda 17 non-MCA alternatives available to most businesses 0% business credit cards: 0% for 12–18 months for 680+ credit SBA 7(a) rates: Prime + 2.5–4.5% — the gold standard Early MCA payoff saves $0 — factor rates are fixed regardless of timing Stacking MCAs: $892/day + $714/day = $1,606/day — not a renewal Equipment financing ignores existing MCAs when equipment is collateral Average MCA factor rate 1.35 = 85–140% APR equivalent Ana compares 80+ funding sources — no commission, no agenda 17 non-MCA alternatives available to most businesses 0% business credit cards: 0% for 12–18 months for 680+ credit SBA 7(a) rates: Prime + 2.5–4.5% — the gold standard Early MCA payoff saves $0 — factor rates are fixed regardless of timing Stacking MCAs: $892/day + $714/day = $1,606/day — not a renewal Equipment financing ignores existing MCAs when equipment is collateral
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BJ
Bill Johnson
Founder · Retired CFP Professional · 35 Years Business Finance Experience

I built TheFundingTruth.com because I spent too many years watching business owners get steered into products that were good for the broker’s commission and bad for the business. No more. Ana has no commission to earn. I answer my own phone. Whatever you decide — with us or elsewhere — I want you to make a decision you actually understand.

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