2 lenders with a live merchant cash advance page
merchant cash advance: what the lenders who offer it actually require
Two lenders in this record keep a live merchant cash advance page and both publish a five hundred credit score minimum, the lowest published bar on this site. It is also the most expensive money here once a factor rate is converted to an annual cost.
- median published minimum credit score
- $500
- published minimum credit score range
- $500 to $500
- lenders offering merchant cash advance
- 2
Lenders with a live merchant cash advance page
| Lender | Minimum credit score | merchant cash advance page | Source | Checked |
|---|---|---|---|---|
| Advance Funds Network | Advance Funds Network's own product page | |||
| Clarify Capital | Clarify Capital's own product page |
A lender is listed here because its own live page for this product answered at the linked URL on the date shown, never because a directory says it offers one. Requirements are the lender's own published minimums for its lending generally unless its product page states otherwise; the price of the money, which this record does not carry, is quoted per application.
Before taking a merchant cash advance
Convert the factor rate to a total cost and a payment per week. A factor of one point three over four months is not comparable to one point four over nine.
Establish whether repayment is a true percentage of takings or a fixed daily sweep. Only the first flexes when trade is quiet.
Do not stack. A second advance visible in your bank statements is the most common reason a third application is declined.
Cite or embed this figure
The published minimum personal credit score to borrow in merchant cash advance was $500 in September 2026, across 2 checked lender eligibility pages recorded in Working Capital Quotes Requirements Record.
Cite as: "Working Capital Quotes Requirements Record: merchant cash advance", updated 2026-09-09, https://workingcapitalquotes.com/lending/merchant-cash-advance/.
Download the merchant cash advance lender record (CSV), free to reuse with citation.