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BreadRoute Review
McKenzie Capital
2.5Our McKenzie Capital Review
McKenzie Capital is a Miami, FL-based nonbank lender providing merchant cash advances, working capital loans, and fix-and-flip loans to small businesses across most U.S. states — all except New York and California. Entry requirements are accessible: just three months in business and $5,000 in monthly revenue, with advances up to $1 million. That low barrier may appeal to early-stage businesses, but this lender has drawn serious complaints from borrowers — including allegations of misrepresenting the nature of its products, extremely high effective rates, and aggressive collection practices. Review every contract term carefully and consider independent legal or financial advice before signing.
Who Is McKenzie Capital Best For?
Based on eligibility requirements and available products.
- Businesses where credit score is not a primary factor
- Businesses seeking larger financing amounts
Financing Options
Eligibility Requirements
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Quick Overview
2.5Compare Alternatives
Other Nonbank Lender lenders
McKenzie Capital Pros & Cons
Pros
- No minimum credit score requirement
- High loan amounts available
Frequently Asked Questions
McKenzie Capital offers financing in the range of Up to $1 Million.
McKenzie Capital does not apply a strict minimum credit score requirement, making it accessible to a wider range of businesses.
McKenzie Capital offers the following financing products: Merchant Cash Advance.
McKenzie Capital requires a minimum of 3 Months in business. Newer businesses may want to explore alternative lenders with lower seasoning requirements.
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