Average MCA factor rate 1.35 = 85–140% APR equivalentAna compares 80+ funding sources — no commission, no agenda17 non-MCA alternatives available to most businesses0% business credit cards: 0% for 12–18 months for 680+ creditSBA 7(a) rates: Prime + 2.5–4.5% — the gold standardEquipment financing ignores existing MCAs when equipment is collateralAverage MCA factor rate 1.35 = 85–140% APR equivalentAna compares 80+ funding sources — no commission, no agenda17 non-MCA alternatives available to most businesses0% business credit cards: 0% for 12–18 months for 680+ creditSBA 7(a) rates: Prime + 2.5–4.5% — the gold standardEquipment financing ignores existing MCAs when equipment is collateral
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