Business Capital USA is an MCA direct lender that focuses on small businesses. The company is based in Wilmington and does not deliver SBA loans or small business loans, but MCA services. The programs of Merchant Cash Advance offered by the company include business invoice financing, women business cash advance, small business financing, business loan alternative, women business cash advance, and working capital. The major industries and establishments it funds are medicine, hotel, restaurants, retail stores, salons, motels, liquor stores, dental practices, and spas.

Money from the loans can be used for upgrading equipment, paying expenses, purchasing inventory, hiring staff, expanding a business, and for other emergency reserves. The prime emphases for the company in the approval of loans are on business history and current performance. Collateral and credit of the businesses is not a deciding factor for this company. A minimum monthly gross of $5000 is required for the approval of loans.

As calculated by Trustpilot in April 2019, the company is ranked 220 out of the total 351 Non-bank Finance institutions. TrustScore is measured as 8.3 out of 10. Better Business Bureau (BBB) has not accredited the company and had given a D+ rating.

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