MCA Offers We Brokered Averaged a 1.25 Buy Rate and 1.30 Sell Rate
Across the 35 merchant cash advance offers ClearValue Lending brokered on its legacy platform, the median buy rate (what the funder charges) was 1.25 and the median sell rate (what the merchant sees) was 1.30 — a median spread of 0.05. Median commission was 5% (range 1%–10%) and median term was 8 months (range 6–13 months).
This is pricing from the 35 offers that happened to reach the offer stage on this platform in this window — not a market or population statistic. Do not read these figures as 'typical MCA rates'; every quote from this dataset should carry the exact n=35 sample-size caveat. A short 6–13 month term means the factor-rate spread converts to a much higher effective APR than the factor rate alone suggests.
This data point is part of ClearValue Lending SMB Financing Data Report 2026, ClearValue Lending's data report.
Read the full ClearValue Lending SMB Financing Data Report 2026 report →More Data Points
- 82.6% Qualification rate among completed applications
- 24.2 pts Spread between the highest- and lowest-qualifying published industries
- $75,000 Median requested financing amount
- 29.1% Of coded decline reasons cited insufficient revenue
- 913 Applicants citing working capital as their intended use of funds
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https://clearvaluelending.com/reports/stats/mca-pricing-from-brokered-deals-2026