MCA Funders
A merchant cash advance (MCA) provides funds in exchange for future business receipts under a contract that sets the amount to be collected and the collection method. Payment timing and reconciliation rights vary by agreement, so read the actual contract before comparing costs.
A broker or independent sales organization may introduce a merchant to a funder. Ask for the legal name of the funding company, the amount your business will receive after fees, the total amount owed, and every deduction or commission that affects the offer.
Browse funder profiles for available business details and reviews. A Verified badge and rating appear only when the relevant profile status or reviews exist. A profile cannot establish what your specific contract will cost.
Compare written offers using net proceeds, total repayment, expected payment frequency, fees, reconciliation terms, renewal rules, and what happens if revenue falls. Consult an appropriate adviser about legal and tax treatment for your business.
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Frequently asked questions
What is a merchant cash advance?
An MCA contract provides funds in exchange for future business receipts. Payment method, amount, timing, and legal treatment depend on the agreement and applicable law.
How do I calculate the real cost of an MCA?
Start with the net cash received after fees and the total amount the agreement requires you to repay. Model the expected payment schedule and ask a qualified adviser to compare the effective cost with other financing offers.
What should I check before signing with an MCA funder?
Verify the funder’s legal entity. Review net proceeds, total repayment, payment frequency, reconciliation rights, renewals, collection terms, and any security interest with an appropriate adviser.
What is an ISO in the MCA industry?
An independent sales organization (ISO) may refer merchants to funders and help place financing. Ask who the actual funder is and how the ISO is compensated. Broker profiles can also be browsed on LendLedger.
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