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Lender profile

Pearl Capital

Direct funder Founded 2010 Checked Sep 30, 2026
Pearl Capital funds short-term capital advances for under-banked and credit-challenged small businesses, working through a network of ISO brokers. It welcomes businesses with at least 3 months of operating history and any FICO score, for deals up to $1 million. It publishes no pricing, terms or revenue minimum.
Visit pearlcapital.com Compare with similar funders
Heads up. Pearl's site is written for ISO partners, and it says its financings are made by working with its network of ISOs.

The open book

What Pearl Capital publishes, and what it doesn't

2 of 9 things a business owner needs to compare offers are on its website.

Published

Amounts
Up to $1M
Minimum credit score
Not published
Minimum time in business
3 months
Minimum monthly revenue
Not published
Speed, in its words
Not published

The ledger

  • Funding amounts
  • Minimum time in business
  • Minimum credit score Not published
  • Minimum revenue Not published
  • Funding speed Not published
  • Price (rate or factor) Not published
  • Fees Not published
  • Term length Not published
  • Excluded industries Not published
Loosest published figure across its products, from its own website. Details by product below.

By product

Pearl Capital's products, as published

Open “Sources” under any product to see the exact wording and the page it came from.

Merchant cash advance

How merchant cash advance works
Price not published
Amounts
Up to $1M
Price
Not published
Term
Not published
Repayment
—
Minimums
Credit n/p · Time in business 3 months · Revenue n/p
Sources (3)
  • Our Advanced Technology and Underwriting allows us to provide flexible terms, and some of the fastest response times in the industry, for deals up to one-million dollars.
    pearlcapital.com/about-us · checked 2026-09-30
  • specializing in short term capital advance solutions for under-banked and credit-challenged businesses
    pearlcapital.com/about-us · checked 2026-09-30
  • We welcome all small businesses with at least 3 months operational history and any FICO score.
    pearlcapital.com · checked 2026-09-30

Similar funders

Funders offering the same products

1st Alliance Group

Not stated
Not publishedCredit n/pNo price

Accord Business Funding

Direct funder
$5K–$150KCredit n/pNo price

Advantage Merchant Funding

Not stated
Not publishedCredit n/pNo price

Alternative Funding Group

Direct funder
$5K–$500KCredit n/pNo price

Amerifi Capital

Direct funder
From $25KCredit n/pNo price

Belltower Funding

Direct funder
Not publishedCredit n/pPrice published

Pages we read

  1. https://pearlcapital.com/
  2. https://pearlcapital.com/about-us/
  3. https://pearlcapital.com/mca-sales-tools/
Spotted something out of date? Funders and owners can send a correction with a link to where it's published. Listing Pearl Capital here doesn't mean it works with Openbook.

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