What is the easiest business loan to get?

Last updated May 2026 · Reviewed by David Chen
Quick Answer

A Merchant Cash Advance (MCA) is the easiest business loan to qualify for. Requirements: 6 months in business, $10,000+ monthly revenue, 500+ FICO. MCAs trade easy approval for higher cost (factor rates 1.20-1.49 = 30-80% effective APR). Working capital loans are similarly easy with comparable requirements.

Key Details

  • MCA: easiest, lowest credit threshold
  • Working capital: equally easy at most lenders
  • Invoice factoring: easy if you have good customers
  • Equipment financing: equipment-as-collateral helps
  • SBA microloans: up to $50K for startups
  • Hardest: traditional bank loans
Answer by David Chen — Senior Business Funding Editor
12+ years in alternative lending. $200M+ underwritten.

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