Cucumber Capital
Direct merchant cash advance, $10,000 to $3,000,000. No published factor rate (about 109% APR at 1.30 over 6 months). Cash-flow underwriting, funds within hours.
Rates & Cost
What the financing costs, normalized so lenders can be compared.
Repayment Terms
How and how fast you pay it back, and how flexible it is.
Eligibility & Access
Who qualifies and what you have to put on the line.
Speed & Service
How fast you get funded and how the lender treats you.
Company Verification
Who actually stands behind the lender: legal entity, registration, and how long the business and its website have existed. Checked against public registries.
Best for: Businesses with steady deposits needing $10,000 to $3,000,000 fast, judged on cash flow, not credit.
Not for: Owners who want a published price, a fixed term or public customer reviews.
Lender List verdict: Cucumber Capital is a direct MCA funder with high maximums and same-day underwriting. It publishes no factor rates; a 1.30 factor over six months costs about 109% APR.
Cucumber Capital at a glance
| Cucumber Capital | |
|---|---|
| Lender type | Direct MCA funder (also accepts broker submissions) |
| Founded / HQ | Lender does not publish / New York; CT and FL offices |
| Amounts | $10,000 to $3,000,000 |
| Cost | Not published; about 109% APR at a 1.30 factor over 6 months (est.) |
| Funding speed | Same-day underwriting; funds within hours of approval |
| Status | Active (October 2026) |
What is Cucumber Capital?
Cucumber Capital LLC is a New York merchant cash advance company that buys a share of future sales for an upfront $10,000 to $3,000,000. It is on Virginia's June 2024 sales-based financing registry, and Connecticut filings show it buying receivables in its own name.
How the Cucumber Capital merchant cash advance works
Cucumber Capital underwrites the same day you apply and funds within hours of approval.
- Application: online form, then recent bank statements.
- Repayment: ACH debits; cadence not stated.
- Term: none; ends when the purchased amount is delivered.
Cucumber Capital rates and fees
Cucumber Capital publishes no factor rates, holdback or fees; NerdWallet puts MCA factors at 1.1 to 1.5, with 5% to 20% holdbacks.
Worked example: $50,000 × 1.30 = $65,000 payback ($15,000 cost). Over 126 business days (about six months) that is $515.87 a day, roughly 109% APR. A 1.10 to 1.50 factor over six months spans about 38% to 174% APR.
It does not publish whether it files a UCC lien; agreements include a reconciliation right and often an early-payoff discount. One 2024 contract carried a $100 blocked-account fee and an owner guaranty.
Cucumber Capital requirements
Cucumber Capital sets no published minimums and underwrites mainly on cash flow.
| Requirement | Cucumber Capital minimum |
|---|---|
| Personal credit score | No stated minimum |
| Time in business / revenue | Lender does not publish |
| Collateral / guarantee | Future receipts; owner guaranty seen in court filings |
Merchant cash advance rules that protect you
Cucumber Capital offers of $2.5 million or less to New York-run businesses must show an estimated APR, finance charge and payment terms; Connecticut and Virginia require deal-level disclosures for sales-based financing. It publishes no stacking policy, and we found no confession of judgment in its Connecticut filings. Compare the merchant cash advance category or Revenued.
Frequently asked questions about Cucumber Capital
Is Cucumber Capital Legit? Yes, it is a registered funder, though its public track record is thin. Cucumber Capital LLC is on Virginia's 2024 sales-based financing registry and filed two Connecticut collection suits in 2024 (one amended in January 2025). Its Trustpilot profile had 0 reviews in October 2026; we found no regulatory actions.
Is Cucumber Capital a Direct Lender or a Broker? It is a direct funder, registered as Cucumber Capital LLC d/b/a Cucumber Funding. Court records show Cucumber Capital buying receivables under its own agreements. It also takes deals from brokers (ISOs), so if a broker brings the offer, confirm the contract names Cucumber Capital LLC as buyer.
What Happens If My Sales Drop? You can ask Cucumber Capital to reconcile. Its agreements let you request, by phone or email, a review of actual revenue and adjusted remittances. Ask as soon as deposits fall; blocked or missed debits can trigger fees and a default.
Does Cucumber Capital Check Credit? Credit counts, but cash flow decides. Cucumber Capital says underwriters weigh the whole business, chiefly bank-statement cash flow, and a person reviews every file; you apply with your EIN and recent bank statements. It publishes no minimum score and does not say whether it pulls soft or hard.
Last verified 2026-10-27. Pricing and terms are provider-stated or third-party-reported and vary by offer; confirm with the lender before applying.
Best for: Businesses with steady deposits needing $10,000 to $3,000,000 fast, judged on cash flow, not credit.
Not for: Owners who want a published price, a fixed term or public customer reviews.
Lender List verdict: Cucumber Capital is a direct MCA funder with high maximums and same-day underwriting. It publishes no factor rates; a 1.30 factor over six months costs about 109% APR.
Cucumber Capital at a glance
| Cucumber Capital | |
|---|---|
| Lender type | Direct MCA funder (also accepts broker submissions) |
| Founded / HQ | Lender does not publish / New York; CT and FL offices |
| Amounts | $10,000 to $3,000,000 |
| Cost | Not published; about 109% APR at a 1.30 factor over 6 months (est.) |
| Funding speed | Same-day underwriting; funds within hours of approval |
| Status | Active (October 2026) |
What is Cucumber Capital?
Cucumber Capital LLC is a New York merchant cash advance company that buys a share of future sales for an upfront $10,000 to $3,000,000. It is on Virginia's June 2024 sales-based financing registry, and Connecticut filings show it buying receivables in its own name.
How the Cucumber Capital merchant cash advance works
Cucumber Capital underwrites the same day you apply and funds within hours of approval.
- Application: online form, then recent bank statements.
- Repayment: ACH debits; cadence not stated.
- Term: none; ends when the purchased amount is delivered.
Cucumber Capital rates and fees
Cucumber Capital publishes no factor rates, holdback or fees; NerdWallet puts MCA factors at 1.1 to 1.5, with 5% to 20% holdbacks.
Worked example: $50,000 × 1.30 = $65,000 payback ($15,000 cost). Over 126 business days (about six months) that is $515.87 a day, roughly 109% APR. A 1.10 to 1.50 factor over six months spans about 38% to 174% APR.
It does not publish whether it files a UCC lien; agreements include a reconciliation right and often an early-payoff discount. One 2024 contract carried a $100 blocked-account fee and an owner guaranty.
Cucumber Capital requirements
Cucumber Capital sets no published minimums and underwrites mainly on cash flow.
| Requirement | Cucumber Capital minimum |
|---|---|
| Personal credit score | No stated minimum |
| Time in business / revenue | Lender does not publish |
| Collateral / guarantee | Future receipts; owner guaranty seen in court filings |
Merchant cash advance rules that protect you
Cucumber Capital offers of $2.5 million or less to New York-run businesses must show an estimated APR, finance charge and payment terms; Connecticut and Virginia require deal-level disclosures for sales-based financing. It publishes no stacking policy, and we found no confession of judgment in its Connecticut filings. Compare the merchant cash advance category or Revenued.
Frequently asked questions about Cucumber Capital
Is Cucumber Capital Legit? Yes, it is a registered funder, though its public track record is thin. Cucumber Capital LLC is on Virginia's 2024 sales-based financing registry and filed two Connecticut collection suits in 2024 (one amended in January 2025). Its Trustpilot profile had 0 reviews in October 2026; we found no regulatory actions.
Is Cucumber Capital a Direct Lender or a Broker? It is a direct funder, registered as Cucumber Capital LLC d/b/a Cucumber Funding. Court records show Cucumber Capital buying receivables under its own agreements. It also takes deals from brokers (ISOs), so if a broker brings the offer, confirm the contract names Cucumber Capital LLC as buyer.
What Happens If My Sales Drop? You can ask Cucumber Capital to reconcile. Its agreements let you request, by phone or email, a review of actual revenue and adjusted remittances. Ask as soon as deposits fall; blocked or missed debits can trigger fees and a default.
Does Cucumber Capital Check Credit? Credit counts, but cash flow decides. Cucumber Capital says underwriters weigh the whole business, chiefly bank-statement cash flow, and a person reviews every file; you apply with your EIN and recent bank statements. It publishes no minimum score and does not say whether it pulls soft or hard.
Last verified 2026-10-27. Pricing and terms are provider-stated or third-party-reported and vary by offer; confirm with the lender before applying.
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