FF
FairlyFunded
2025-12-20

MCA vs term loan: when each makes sense

Speed, cost, and flexibility tradeoffs, explained simply.

MCAs can be fast. Term loans can be cheaper. The right choice depends on your urgency, your cash flow stability, and what you can document.

If speed is the priority, an MCA may win. If total cost is the priority and you can qualify, a term loan often wins.

The safest way to decide is to compare total payback and expected time to repay side by side.

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