Product comparison
A BCA repays as a percentage of daily card sales and is a purchase of receivables; revenue-based funding repays as a fixed daily or weekly debit against all business revenue and is legally a loan.
Last updated 2026-04-16
Two paths, side by side
The same business problem can take very different routes depending on what you optimize for. Here is the honest split.
BCA
You're a card-heavy operator (restaurant, retail) with seasonal swings and want payments that automatically flex downward with slow sales.
Wins for
Revenue-Based Funding
You're not card-heavy (B2B, contractor, professional services) or you prefer the predictability of a fixed daily/weekly debit.
Wins for
Side by side
| Factor | BCA | Revenue-Based Funding |
|---|---|---|
| Legal structure | Purchase of receivables | Loan |
| Repayment basis | % of daily card sales | Fixed daily or weekly debit |
| Underwriting signal | Card processing history | Bank-deposit history |
| Ideal business | Card-heavy retail/restaurant | B2B, services, contractors |
| Repayment flex | Auto-flexes with sales | Fixed (restructure if needed) |
Common questions
A BCA repays as a percentage of daily card sales and is a purchase of receivables; revenue-based funding repays as a fixed daily or weekly debit against all business revenue and is legally a loan.
You're a card-heavy operator (restaurant, retail) with seasonal swings and want payments that automatically flex downward with slow sales.
You're not card-heavy (B2B, contractor, professional services) or you prefer the predictability of a fixed daily/weekly debit.
Yes. Many ICG clients qualify for multiple products. Our underwriters will recommend the best fit based on your use of funds, time horizon, and qualification profile.
Ready when you are
Quick application. Real human review. We will tell you which fits.
