Merchant cash advance, compared: multiple offers from one application
One application, offers side by side. Applying does not start a credit review. How credit inquiries work
Example only. Real offers depend on your file.
130+ small businesses funded this year
Most deals fund within 24 hours
- JUST FUNDED$175KINDUSTRYBulk fuel / c-store / auto repair Funded within 24 hours
- JUST FUNDED$50KINDUSTRYSpa / salon Funded within 24 hours
- JUST FUNDED$45KINDUSTRYInterior remodeling Funded within 24 hours
- JUST FUNDED$14KINDUSTRYLandscaping Funded within 24 hours
- JUST FUNDED$8KINDUSTRYChiropractic Funded within 24 hours
- JUST FUNDED$60KINDUSTRYPizza shop Funded within 24 hours
- JUST FUNDED$18KINDUSTRYFuneral home / services Funded within 24 hours
- JUST FUNDED$10KINDUSTRYHotel store / retail Funded within 24 hours
- JUST FUNDED$80KINDUSTRYRestaurant Funded within 24 hours
- JUST FUNDED$65KINDUSTRYTrucking / transportation Funded within 24 hours
- JUST FUNDED$115KINDUSTRYWater filtration Funded within 24 hours
- JUST FUNDED$40KINDUSTRYCabinet painting Funded within 24 hours
- JUST FUNDED$15KINDUSTRYAuto collision repair Funded within 24 hours
- JUST FUNDED$28KINDUSTRYElectronics buyer and seller Funded within 24 hours
- JUST FUNDED$32KINDUSTRYHome health care Funded within 24 hours
- JUST FUNDED$22KINDUSTRYHeavy truck and bus repair Funded within 24 hours
- JUST FUNDED$60KINDUSTRYFencing and decking construction Funded within 24 hours
- JUST FUNDED$200KINDUSTRYRoofing Funded within 24 hours
- JUST FUNDED$20KINDUSTRYChild care / kindergarten Funded within 24 hours
- JUST FUNDED$75KINDUSTRYCybersecurity contractor Funded within 24 hours
- JUST FUNDED$12KINDUSTRYBar / tavern Funded within 24 hours
- JUST FUNDED$30KINDUSTRYLogistics Funded within 24 hours
- JUST FUNDED$180KINDUSTRYPublic affairs and events Funded within 24 hours
- JUST FUNDED$350KINDUSTRYGlass and glazing Funded within 48 hours
- JUST FUNDED$98KINDUSTRYGas station and c-store Funded within 24 hours
- JUST FUNDED$100KINDUSTRYAmbulatory anesthesia services Funded within 48 hours
- JUST FUNDED$25KINDUSTRYFood truck Funded within 24 hours
- JUST FUNDED$15KINDUSTRYElderly law Funded within 24 hours
- JUST FUNDED$10KINDUSTRYConstruction Funded within 24 hours
- JUST FUNDED$20KINDUSTRYPet grooming Funded within 24 hours
Afterfirst MCA in five answers
- Our role
- Afterfirst MCA is a broker, not a funder. A merchant cash advance is a purchase of your future sales.
- Who it's for
- Business owners with steady deposits in a business bank account who want working capital.
- What changes for you
- One application. We shop it to the funders whose programs fit your file, and you see offers side by side. We're a broker and we say so.
- Why believe us
- Afterfirst MCA charges owners no fee. Funders pay us a commission when a deal funds, and funding companies pay us a monthly membership. Applying does not start a credit review. A funder can review credit only with your written authorization, and more than one funder can mean more than one inquiry.
- Next step
- Send the application or call 877-FUND-654. Funders make every approval decision, and you choose an offer or walk away.
Compare merchant cash advance offers side by side. You choose.
We're a broker, not a funder. We shop your business with the funders whose programs fit, so you don't have to apply ten times, and you see every offer side by side before you sign anything.
How your offers look
Example offers, not real approvalsSide by side- Offer ALowest cost
Funding$75,000
$22,500 cost
- Total payback
- $97,500
- Term
- 9 months
- Weekly payment
- $2,437.5040 payments
- Weekly equivalent
- $2,437.50
- Offer BShortest term
Funding$60,000
$22,800 cost
- Total payback
- $82,800
- Term
- 6 months
- Daily payment
- $690.00120 payments
- Weekly equivalent
- $3,450.00
- Offer CLowest weekly-equivalent payment
Funding$90,000
$37,800 cost
- Total payback
- $127,800
- Term
- 14 months
- Weekly payment
- $2,130.0060 payments
- Weekly equivalent
- $2,130.00
A costs the least, B is the shortest, C has the lowest weekly-equivalent payment.
Weekly equivalent: a daily payment times 5 business days. Weekly payments are shown as they are.
How it works
- ApplyFour answers. Applying costs nothing.
- We review itA person reads every file.
- Compare offersEvery offer side by side.
- ChoosePick one, or none at all.
Applying costs you nothing.
Afterfirst MCA charges you no fee.The funder pays us a commission when a deal funds.
We email you first. A person calls only if you ask.
A nationwide broker, headquartered in Los Angeles.You're welcome to come into our office for a consult at 10850 Wilshire Blvd, Suite 1010.
A person reads your file first.Before any funder sees it.
Afterfirst at a glance
The short version, in plain facts.
| Fact | Detail |
|---|---|
| Our role | A merchant cash advance broker, not a funder. Funders make every credit decision. |
| What it costs to apply | Nothing to apply. Afterfirst MCA charges you no fee. The price of an advance is set by the funder and is shown in your offer. |
| What you get | Multiple offers from funders whose programs fit, compared side by side on total payback, payment, frequency and term. |
| Who we serve | A national brand serving business owners in every major U.S. city, across every major funding type. |
| What an MCA is | A purchase of future receivables. |
| How to reach us | Call 877-FUND-654 · (877) 386-3654 or email info@afterfirstmca.com. |
| When we answer | Monday to Friday, 5 AM to 7 PM Pacific |
Read how to get multiple MCA offers at once, or see an MCA broker vs marketplace vs direct funder comparison.
Why business owners use us
- One application, not one per funder. Tell us once instead of repeating the same details for every funder.
- Plain numbers side by side. See what you get, what you pay back, the payment, and the term.
- Straight answers on next steps. Each funder sets its own review, and we tell you what to expect for your file.
- We push on cost. We ask funders for better terms and tell you plainly when an offer costs too much to take.
- A real person on your file. We reply by email first, and a person calls only if you ask.
Who we work with
We work with small businesses across many industries. Start with yours:
- Auto repair
- Construction
- Convenience stores
- Ecommerce
- Gyms and fitness
- HVAC and plumbing
- Restaurants
- Retail
- Salons and spas
- Trucking
- Medical and dental
- Manufacturing
What we place: second and third position, consolidation and refinance, revenue-based financing and business lines of credit.
What to have ready
- Recent business bank statements.
- Your current advances or other daily debits.
- How much you need and what you plan to use it for.
- Your phone number and email.
Call if you're not sure what to gather. We'll tell you what makes sense for your business.
How funders read your file
Most of what decides a merchant cash advance is already in your business bank account. Knowing how funders read it makes the call shorter.
Bank statements come first
Funders start with your business bank statements, not the application. The guide to the documents funders ask for walks through it line by line.
Actual deposits, not every deposit
Funders count your sales, then take out transfers from your own accounts and the proceeds of any other financing or advance. Mark those on your statements so you can check the real number.
The payments you already carry
Every recurring debit from another funder gets listed. The room between your deposits and those payments is the room a new offer has to fit into. The stacked payment calculator shows you that room.
An advance you already have
Put it in your application with the current balance and payment. A position a funder finds on its own reads worse than one you told us about. See second position and consolidation.
Payoff letters
If consolidation is on the table, ask your current funder for a written payoff letter early. The factor rate calculator and payment calculator help you check any offer.
We're the broker.
Funders put up the money. We take your file to the ones that fit it, so you see more than one offer.
Only funders that fit.
Your file goes only to funders that work with your industry and deal size. Nobody else sees it.
You make the call.
Every offer comes in writing, and nothing happens until you pick one.
- What it costs to apply
- Applying costs you nothing, and Afterfirst MCA charges you no fee. Funders pay us a commission when a deal funds, and funding companies pay us a monthly membership. The price of an advance is set by the funder and is shown in your offer.
- Credit
- Ask us how each funder checks credit before you agree to anything.
- How we reach you
- We email you first from info@afterfirstmca.com. A person calls only if you ask.
- Offers
- Each one shows the total payback, the payment, how often it comes out and the term.
Straight answers
Matching answers appear below as you type. Use the down arrow to move through them.
Does Afterfirst fund deals?
No. We don't fund deals ourselves. We shop your file with third-party funders, and you choose whether to accept an offer.
How many offers will I see?
It depends on your file. When funders say yes, you see every offer side by side with the numbers each funder gives us. Nothing is guaranteed.
What does it cost to use you?
Applying costs you nothing, and Afterfirst MCA charges you no fee. Funders pay us a commission when a deal funds, and funding companies pay us a monthly membership. The price of an advance is set by the funder and is shown in your offer.
What if I already have an advance?
Tell us about it. Some funders consider businesses with an existing advance, and some don't. We'll point you to the pages for second position, third position, and consolidation.
What do I need to get started?
Recent business bank statements, details about current payments, and a clear idea of what you need. Call or email if you want to talk it through first.
More straight answers are in the MCA FAQ: cost, qualifying, documents and repayment.
Illustrative example cases
Each case below is an illustrative example, not a real client. Names and figures are made up to show how offers can look.
- Illustrative example, not a real client Restaurant, first advance. Monthly deposits about $90,000. Asking $50,000. Sample offer shown: about nine months, weekly payment. Owner compares two other offers and picks the lower total payback.
- Illustrative example, not a real client Trucking, second position. Already paying one advance. Monthly deposits about $140,000. Sample second-position offer sized so combined payments stay workable. Owner declines a higher-payment option.
- Illustrative example, not a real client Retail, consolidation. Two stacked advances, payments too high. Sample consolidation combines them into one lower payment with a clear payoff total before signing.
What happens after you apply
Apply
Send one application online or by phone. A person on our team reads it before any funder sees it.
Review
We email you, to fill gaps and confirm bank statements.
Offers compared
We shop your file with funders that fit and show every offer side by side: payback, payment, and term.
You choose
Pick an offer or walk away. Nothing is final until you sign the funder's contract.
Funding
Once you sign, the funder sends the money straight to your business bank account.
One call. Every offer side by side.
Call 877-FUND-654 with questions.