Although Kalamata Capital Group has higher qualification requirements compared to some of the other merchant capital advance companies on our list, their factor rates also start pretty low, at only 1.12. Therefore, if you can meet their requirements—at least one year in business, a credit score of 500, and $250,000 in annual revenue—you may be able to access a more affordable MCA compared to other options on the market.

This being said, Kalamata also offers MCAs in larger amounts, up to $500,000. To apply for a merchant cash advance from Kalamata Capital Group, you can contact one of their three U.S. locations.

According to their website, Kalamata can provide approval for financing in as little as three hours—making this merchant cash advance company another great option for fast funding.