Flexibility Capital

Best for: U.S. businesses with at least a year of history and $150,000 or more in annual revenue that want revenue-based funding, a term loan or a credit line and can handle fixed automatic debits.

Not for: Owners who qualify for a bank or SBA loan, anyone who needs a published price before applying, or businesses that would struggle with fixed debits on a short term.

Lender List verdict: Flexibility Capital is a New York funder that buys receivables in its own name and also places some deals with partner lenders, with fast decisions and a 4.8 Trustpilot score across 1,260 reviews. Its headline rates carry no footnote, and the one public contract implies about 83% to 92% APR.

Flexibility Capital at a glance

Flexibility Capital offers revenue-based funding from $5,000 to $3,000,000 and other business financing up to $5,000,000.

What is Flexibility Capital?

Flexibility Capital, Inc. is a Manhattan small-business finance company, founded in 2018, that says it has provided more than $1 billion in funding across four products: revenue-based funding (its merchant cash advance), term loans, lines of credit and equipment financing.

It funds revenue-based deals itself, as a 2023 Brooklyn court case shows, and may pass other applications to partner lenders.

How Flexibility Capital revenue-based funding works

Flexibility Capital advances a lump sum against your future sales and collects a larger fixed amount through automatic bank debits on a set schedule.

• Amounts: $5,000 to $3,000,000, based on revenue and credit profile
• Term: 3 to 24 months expected
• Payments: automatic on a fixed schedule; the company's term loans use daily or weekly debits
• Speed: decides within about 5 minutes using a soft credit pull; money can land in as little as 24 hours
• Re-draws: unused approval stays open while your business keeps performing

Flexibility Capital rates and fees: what it really costs

Flexibility Capital advertises revenue-based funding from 1% a month but publishes no factor range, holdback percentage or footnote for that rate.

• Factor rate: not published; the 2023 court record shows $14,700 of receivables bought for $10,000, a 1.47 factor
• Origination fee: the same contract deducted $400, or 4% of the advance
• Holdback, ACH and admin fees, UCC lien: not published
• Early payoff: prepayment discounts are offered and no prepayment fee is charged
• Reconciliation: not described on the site; ask before signing

Worked example: a $50,000 advance at the 1.47 court-record factor means $73,500 to repay, a $23,500 cost. Spread over 252 business-day debits (12 months), each payment is $291.67, roughly 83% APR, or about 92% if a 4% fee ($2,000) comes out of the proceeds. Squeezed into 6 months, it is about 165% APR, or 184% with the 4% fee. If the 1%-a-month headline works out to a 1.12 factor over a year, the cost falls to about 23% APR. One Trustpilot reviewer reported paying about 84% APR.

Flexibility Capital requirements

Flexibility Capital asks for at least 1 year in business and $150,000 in annual revenue and does not publish a minimum credit score.

Bank deposits and revenue drive approval; credit mainly moves the price.

Merchant cash advance rules that protect you

New York's Commercial Finance Disclosure Law requires an estimated APR, finance charge, term and payment schedule on offers of $2.5 million or less to New York businesses.

• State rules: California, Utah and Virginia have similar laws; Flexibility Capital was on Virginia's registrant list in June 2024
• Collections: the company sues merchants who default; in 2024 a Brooklyn judge denied its unopposed summary judgment because its payment records came from a different company, Flexibility Funding, Inc.
• Confession of judgment and stacking: not published; read your contract for both

Pros and cons

Flexibility Capital wins on speed and range but hides its price until you apply.

Pros

• Revenue-based funding up to $3,000,000, term loans up to $5,000,000
• Decisions in minutes with a soft credit pull
• Four products from one lender
• Trustpilot 4.8 from 1,260 reviews
• Prepayment discounts and no prepayment fee

Cons

• No factor range, holdback or fee schedule published
• Asterisked rates with no footnote on the site
• Court-record pricing implies roughly 83% to 92% APR over a year
• Own pages conflict on terms and line limits
• Your application may be shopped to other lenders

Flexibility Capital vs. Forward Financing vs. National Funding

Flexibility Capital's $3,000,000 revenue-based ceiling is six times the $500,000 cap at Forward Financing and National Funding.

Forward Financing and National Funding figures are from their own sites (third-party where marked), checked 2026-10-26.

Choose Flexibility Capital for more than $500,000 or several products at once, Forward Financing for credit in the 500s, National Funding if your FICO is 600 or higher and you want terms to 24 months.

Flexibility Capital alternatives on Lender List

Flexibility Capital's closest alternatives here are Forward Financing and National Funding, plus the Lendio marketplace.

• Forward Financing — revenue-based funding to $500,000 with a 500 credit floor
• National Funding — daily or weekly working capital up to $500,000
• Lendio — one application, offers from many funders
• Browse all merchant cash advance providers on Lender List

Frequently asked questions about Flexibility Capital

Is Flexibility Capital Legit? Yes. Flexibility Capital, Inc. has operated in New York since 2018, appears on Virginia's sales-based financing registrant list and holds a 4.8 Trustpilot score from 1,260 reviews and answers 83% of negative ones. We found no regulator action naming it, though it sues merchants who stop paying.

Is Flexibility Capital a Direct Lender or a Broker? Both. On revenue-based funding it is the buyer named in the contract, as a 2023 court case shows. United Capital Source calls it part lender, part marketplace, and its application consent lets it share your file with other lenders, factors and receivables buyers. Check which company's name is on your agreement.

What Are Flexibility Capital's Requirements? At least 1 year in business and $150,000 in annual revenue, per its product pages; United Capital Source reports a lower bar of 6 months and $10,000 a month. No minimum credit score is published. Expect to send bank statements and use a major U.S. business bank account.

What Happens If My Sales Drop? Call Flexibility Capital before a payment bounces and ask whether your contract allows a reconciliation or a lower payment. Its site describes fixed scheduled debits and does not publish a reconciliation policy. Missed debits can lead to default fees and a lawsuit against the business and its guarantor.

Does Flexibility Capital Sue Merchants? Yes. In a 2023 Brooklyn case it sued a merchant and the owner who guaranteed the deal for $7,956 in unpaid receivables and fees. In 2024 the court denied summary judgment because Flexibility's payment records came from a different company and were not properly authenticated.

Does Applying Hurt My Credit? No. Flexibility Capital uses a soft pull to give a decision, so applying does not affect your score. A hard pull may follow before closing, per United Capital Source. Payments are reported to business credit bureaus, so on-time repayment can help build your business credit.

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.