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An MCA is a purchase of a business's future receivables. Be-Spoke Capital provides upfront capital to a merchant in exchange for a set percentage of their future daily or weekly revenue. It is not a loan — there are no fixed monthly payments, no interest rate, and no collateral required.

Bank loans require strong credit, years of financial history, collateral, and can take weeks or months to fund. An MCA focuses primarily on your business's revenue history — approvals can happen same day and funding within 24 hours. Repayment is flexible and tied to your revenue, not a fixed monthly payment.

A factor rate is the cost multiplier applied to the advance amount. For example, if you receive $50,000 at a factor rate of 1.30, you would repay $65,000 total ($50,000 × 1.30). Factor rates typically range from 1.15 to 1.50 depending on the merchant's industry, revenue, and risk profile.

Be-Spoke Capital is a direct funder. We underwrite and fund deals using our own capital — there are no middlemen involved. This means faster decisions, faster funding, and more transparent terms for both ISOs and merchants.

To qualify for funding with Be-Spoke Capital, merchants must meet the following criteria: no defaults on previous advances, minimum 1 year in business, no open tax liens or bankruptcies, and at least $100,000 in annual gross revenue. Meeting these minimums does not guarantee approval but qualifies you for review.

Credit score is considered but is not the primary factor in our underwriting decision. We focus primarily on your business's revenue history, cash flow, and bank statements. Merchants with challenged credit can still qualify based on the strength of their revenue.

Yes. We offer stacking and second/third position funding for merchants with existing advances, provided they are performing in good standing. We evaluate each stacking deal individually based on the merchant's daily balance, remittance history, and overall cash flow.

We fund a wide range of industries including restaurants, construction, trucking, retail, medical, auto, salons, hospitality, technology, manufacturing, fitness, and professional services. If your business generates consistent revenue, we encourage you to submit — we review each deal on its own merits.

To submit a deal, you'll need a completed 1-page merchant application and 3–4 months of business bank statements. Additional documents such as a voided check, proof of ownership, or recent processing statements may be requested during underwriting.

Most submissions receive a decision within 2–4 hours during business hours (Monday–Friday, 8AM–7PM ET). Complete files with clean bank statements are processed fastest. Our underwriting team reviews every file — no auto-declines.

Once contracts are signed and verified, funding can be delivered as fast as the same business day via ACH or wire transfer. Timing may vary based on the merchant's bank and the time contracts are returned.

Repayment is made through automated daily or weekly ACH debits, or through a credit card split — a set percentage of your daily card processing revenue is remitted automatically. There are no fixed monthly payments. If your revenue slows, your remittance slows with it.

We fund advances from $25,000 up to $1MM+. The amount offered is based on your average monthly revenue, cash flow, existing obligations, and overall business profile. Generally, merchants can qualify for up to 100–150% of their average monthly gross revenue.

Getting started is simple. Reach out to our team at info@be-spokecapital.com or submit a deal directly through our website. We'll set you up with a dedicated account rep, walk you through our program, and get you onboarded quickly — typically within 24 hours.

ISO commissions are paid same-day on the day of funding. Commission amounts are disclosed upfront on the offer — no surprises, no holdbacks. We believe in full transparency with our ISO partners.

We offer competitive, market-leading commissions that are determined on a deal-by-deal basis. Commission details are provided clearly on every term sheet before submission. Contact our ISO desk at info@be-spokecapital.com to discuss your book and commission structure.

Yes. We proactively monitor performing accounts and notify you as soon as a merchant becomes eligible for a renewal. Protecting your book of business is a priority — we never go around our ISO partners to re-engage their merchants directly.

We fund standard MCAs, second and third position stacks, renewals, consolidations, and ACH and credit card split deals. We have appetite for high-risk industries and challenged credit profiles that many other funders decline.