MCA vs. Business Loan: What's the Real Difference?
Merchant cash advances and traditional loans solve different problems. Here's how to tell which one actually fits your business.
Read moreFunded in 24–48 hours
Capital for Your Hustle. Funding in 24 Hours.
MCA, revenue-based financing, and invoice factoring — matched to your business model. Fast business funding from $5K to $750K with a soft credit check and money in your account in 24–48 hours.
Quick Quote
See what you qualify for
$25,000
$5K$500K+
$30,000
$5K$750K+
$15,000
of your $30,000 requested. We can wire urgent funds in 24–48 hours.
Your Pre-Qualified Range
$6,250 – $12,500
Preliminary estimate only — actual offer may be higher or lower based on full review.
Soft check only — no impact on your credit.
Clear Terms — Sample Offer
Illustrative ExamplesMCA9-month term
$50,000 funded · 1.30 factor rate · fixed daily remittance
RBF18-month term
$75,000 funded · fixed monthly payments · % of monthly revenue
FactoringPer-invoice
$40,000 advanced against $50,000 invoices · 80% advance rate · repaid on collection
Disclaimer: Figures shown are illustrative only. MCA is a purchase of future receivables, not a loan; pricing uses a factor rate, not APR. Payment frequency (daily, weekly, or monthly) and term length (20 days to 36 months) vary by product and underwriting.
$60M+
Funded
Since 2023
1,800+
Businesses Approved
Since 2008
4.8★
Average Rating
Since 2023
No Credit Impact
Soft check only when you apply.
Funds in 24–48 Hours
Approval in hours, money in days.
Flexible Repayment Schedules
Daily, weekly, or monthly remittance — based on your product and term.
Select your solution
One partner. Three ways to fund your growth.
Whether you need a lump sum, flexible repayments, or cash tied up in invoices — we have a product built for your business model.
MCA
Fast Cash Advance
Purchase of future receivables. Fixed daily or weekly remittance, factor rate pricing, terms 3–18 months.
Apply for thisRBF
Flexible Revenue Funding
Fixed percentage of monthly sales — payments scale with revenue. Terms 6–36 months. Best for recurring or seasonal revenue.
Apply for thisFactoring
Invoice Factoring
We buy your B2B invoices at a discount and advance cash today. Your customers pay us directly — no monthly bill.
Apply for thisHow it works
Funding matched to your business
We match you to MCA, RBF, or invoice factoring based on your business model — then fund fast with clear, transparent terms.
Step 1
Apply in minutes
Tell us about your business and connect your bank — soft check only, no impact to your credit.
Step 2
Get funded fast
Receive your capital advance in 24–48 hours after approval, wired straight to your business account.
Step 3
Flexible repayment schedules
Daily, weekly, or monthly remittance based on your product and term — fixed amounts set by your approved rate, terms from 20 days to 36 months.
Fixed Payments, Clear Terms. In plain English: MCA and RBF remittances are a fixed amount set by your approved rate and term. Factoring repays from your invoice collection — no monthly bill. You'll always know what to expect.
Real advisors. Real businesses. Real results.
15+ Years
in Alternative Finance
$180M+
Placed with Small Businesses
Real Advisor
on Every File
About FundingGalMeet GG — Your Full-Stack
Meet GG — Your Full-Stack
Funding Partner.
We're GG — a team of funding advisors who've spent years inside the alternative finance industry. FundingGal was built because small business owners deserve a funding partner who actually picks up the phone, knows their industry, and fights for the best possible terms.
Our team has been placing capital with small businesses since 2008 — through recessions, pandemics, and every market cycle in between. We launched FundingGal to do it our way: straight talk, fair terms, and a real human on every deal.
When you work with us, you aren't just getting a lump sum — you're getting a dedicated advocate who knows your industry and respects your hustle.
About FundingGal: FundingGal is an alternative business funding partner serving small businesses across the United States. We provide merchant cash advances (MCA), revenue-based financing (RBF), and invoice factoring for B2B businesses. Funding amounts range from $5,000 to $750,000 with terms from 20 days to 36 months. Most approvals fund within 24–48 hours. Pre-qualification uses a soft credit check with no impact to your credit score.
Apply for business funding or call us at (646) 820-4443.
Our Philosophy: Success is Shared
We believe funding should be straightforward. Every product comes with fixed payment terms set up front — daily, weekly, or monthly depending on your fit — so you always know what's due and when.
- We win only when you win
- Fixed daily, weekly, or monthly payments
- Clear, fixed terms — no surprises
- A real person on every deal
The FundingGal Promise
Speed
Approval in hours, funding in days. Opportunities don't wait — and neither do we.
Transparency
No hidden gotchas. Just clear terms in plain English you can actually understand.
Flexibility
We buy a piece of your future sales, which means we share the risk with you.
Real People. Real Deals.
No bots, no runaround — just credentialed advisors backing every file.
Licensed & Verified Advisors
Every funding specialist is vetted, credentialed, and accountable to you.
Dedicated Account Rep on Every File
One point of contact from application to funding — no handoffs, no call queues.
Available by Phone, Email & Text
Reach your rep how you prefer. We respond fast, on your schedule.
Resources
View all resources Learn before you borrow.
How to Use Working Capital Without Hurting Cash Flow
Smart founders use capital to accelerate growth — not patch holes. Learn the rules of thumb that keep repayments healthy.
Read more5 Signs Your Business Is Ready for Revenue-Based Financing
If your sales are climbing but banks keep saying no, RBF might be the right fit. These are the signals to look for.
Read moreHow Trucking Companies Get Fast Funding Between Loads
Waiting on freight invoices while fuel and payroll can't wait? Here's how owner-operators and small fleets get working capital in 24 hours — no collateral required.
Read moreYour Data is Safe with the Gal
We use 256-bit bank-level encryption. We never see your bank login details, and your info is never sold to third parties.
256-bit encryptionRead our Privacy Policy
What Our Clients Say
Real feedback from business owners we've funded.
"Funded in under 48 hours when my bank said no. My rep actually picked up the phone every time I called."
Marcus T. — Restaurant Owner
Google Review
"The process was painless and the terms scaled with my sales. Best funding partner I've worked with."
Priya S. — E-commerce Founder
Trustpilot
"They turned 90-day invoices into same-week cash. Saved my payroll twice this year."
Daniel R. — B2B Services Owner
Google Review
FAQ
Frequently Asked Questions
Quick, plain-English answers to what business owners ask us most.
Legal Disclosures▾
Legal disclaimer: FundingGal facilitates Merchant Cash Advances (MCAs), Revenue-Based Financing (RBF), and Invoice Factoring. MCAs are the purchase of a specified amount of a business's future receivables in exchange for an upfront sum — not a traditional business loan, line of credit, or any other consumer credit product.
Pricing for MCAs is expressed as a Factor Rate or Purchase Price, not an annual interest rate (APR). Payment frequency varies by product: daily or weekly remittance for MCA, monthly for RBF (calculated as a fixed percentage of monthly revenue), and invoice-based for Factoring. Term lengths range from 20 days up to 36 months depending on product, business profile, and underwriting. All offers are subject to verification of business and revenue information.
Sample offers: Repayment amounts shown in any sample offer or quote calculator are illustrative only. Actual factor rates, total repayment, and remittance schedules are determined by underwriting based on your business performance, credit profile, and verification of revenue.
Disclaimer: Figures shown are for illustrative purposes only. All factor rates, terms, and payment amounts are samples; actual terms vary based on business performance, credit profile, and underwriting approval.