14 Active Lenders

Lender Directory

Real lender terms, updated weekly. No hidden rates, no bait-and-switch. Every lender on this list funds MCA deals through brokers like ApexFlow — scroll down for full terms.

How it works

1 Submit your deal
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2 ApexFlow matches to best lender
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3 Lender underwrites in 24–72 hrs
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4 Funds deposited, broker paid
Showing 14 lenders
Celtic Capital
CEL-001
Preferred Partner
Factor Rate 1.18 – 1.35
Commission 10 – 18%
Max Funding $1.5M
$10k/mo revenue 3+ years in business No start-ups
Retail Restaurant Professional Services
Apex National Funding
APX-002
Preferred Partner
Factor Rate 1.20 – 1.40
Commission 15 – 22%
Max Funding $2M
$15k/mo revenue 12+ months in business Start-ups considered
Start-ups OK Transportation Wholesale
Guardian MCA
GDN-003
Standard
Factor Rate 1.12 – 1.28
Commission 10 – 16%
Max Funding $500K
$5k/mo revenue 6+ months in business
Low minimums Quick approval E-commerce
Horizon Business Loans
HZN-004
Standard
Factor Rate 1.16 – 1.33
Commission 13 – 19%
Max Funding $750K
$10k/mo revenue 1+ years in business
Construction Contractors Manufacturing
Summit Business Capital
SUM-005
High Volume
Factor Rate 1.25 – 1.45
Commission 12 – 18%
Max Funding $2.5M
$20k/mo revenue 3+ years in business
Enterprise deals Multi-location Franchise
Meridian Funding Group
MRD-006
Standard
Factor Rate 1.18 – 1.32
Commission 8 – 15%
Max Funding $1M
$12k/mo revenue 2+ years in business
MCA specialist Low commissions Service businesses
Northern Trust Financial
NTF-007
Standard
Factor Rate 1.14 – 1.29
Commission 11 – 17%
Max Funding $600K
$7k/mo revenue 6+ months in business
Retail Gyms & fitness Local services
Pacific Capital Solutions
PCS-008
High Volume
Factor Rate 1.22 – 1.38
Commission 14 – 20%
Max Funding $1.8M
$18k/mo revenue 1+ years in business
Healthcare Medical billing Home health
Pinnacle Working Capital
PNC-009
Standard
Factor Rate 1.28 – 1.48
Commission 10 – 14%
Max Funding $2M
$25k/mo revenue 2+ years in business
Low commissions Large deals Established businesses
Coastal MCA Partners
CMP-010
Standard
Factor Rate 1.19 – 1.36
Commission 9 – 16%
Max Funding $800K
$8k/mo revenue 4+ months in business
Fast approval Low minimums Hospitality
Sterling Funding Network
SFN-011
High Volume
Factor Rate 1.21 – 1.39
Commission 15 – 21%
Max Funding $2M
$16k/mo revenue 2+ years in business
Restaurants Hospitality Food & beverage
BlueSky Capital
BSC-012
Standard
Factor Rate 1.13 – 1.27
Commission 12 – 18%
Max Funding $500K
$6k/mo revenue 3+ months in business
Quick approval Low minimums New businesses
Liberty Business Funding
LBF-013
Standard
Factor Rate 1.15 – 1.30
Commission 12 – 20%
Max Funding $1M
$8k/mo revenue 2+ years in business
Generalist All industries Flexible terms
Elevate Business Finance
EBF-014
High Volume
Factor Rate 1.24 – 1.41
Commission 11 – 17%
Max Funding $2.5M
$14k/mo revenue 2+ years in business
Construction Contractors Trades
ℹ Broker commission ranges shown above are sourced from direct lender partnerships and updated as terms change. Final commission is negotiated at the deal level and varies based on deal size, business performance, and submission quality.