THEFUNDINGTRUTH.COM
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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
Know Before You Owe
Knowledge · Planning · Execute

AI-Powered Clarity in a
Confused Industry

Ana — our AI Funding Analyst — has no commission to earn and no preferred lenders. She compares your profile across 80+ funding sources, including 17 non-MCA alternatives most brokers never show you. Honest guidance, 24/7. Free.

80+
Funding Sources
17
Non-MCA Options
35
Years Experience
$0
Cost to You
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Trapped in MCA Debt
Map Every Exit Option — 17 Non-MCA Alternatives

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The Guide They Don’t Want You to See

18 funding products. Real costs. The lies they tell. The questions they hope you never ask. Written by a Retired CFP Professional with 35 years of business finance experience. Free. No strings.

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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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