How to Convert a Factor Rate to APR (and Why the Usual Formula Is Wrong)
The shortcut most sites use to turn a factor rate into an APR understates the real cost by roughly half. Here is the actuarial method California and New York require, worked examples, how fees change the number, and why invoice factoring is different.
Why the MCA Industry Agrees It's Not a Loan — And Why That Might Be Changing
The "not a loan" consensus is unanimous, decades old, and backed by real case law. It is also financially convenient for everyone who profits from MCA deals. Here's the incentive structure, what a 2025 court judgment disrupted, and why we're writing this even though we broker MCAs ourselves.
Are Merchant Cash Advances Loans? What the Law Actually Says
For twenty years the answer was a confident "no." Then a New York court ordered Yellowstone Capital to pay $1 billion. A factual review of the ruling, the reconciliation test courts apply, and what the new state disclosure laws actually say.
What Lenders Look for in Your Bank Statements
The 6 signals alternative lenders read when they review your bank statements — deposit volume, NSF frequency, negative balance days, existing ACH positions, and more. How to strengthen your statements before you apply.
MCA Stacking Explained: What It Is, Why Brokers Do It, and How It Ends
MCA stacking means carrying multiple merchant cash advances without disclosure to earlier funders. Mostly broker-driven. The mechanics, the math, and how it ends.
You Already Have Two MCA Positions. Now What
A triage guide for owners carrying two active MCA positions. Run the payment math, learn when two is survivable, and understand your exit options.
MCA Consolidation vs. Reverse Consolidation
Many MCA consolidations are reverse consolidations. They smooth cash flow but don't reduce debt. Here is how to tell them apart and avoid common scams.
CC Split Merchant Cash Advance Explained: How Holdback Repayment Works
CC split merchant cash advance takes a fixed percentage of daily card sales until repaid. How holdback works, how it compares to ACH funding, and who it fits.
Same-Day MCA Funding: What Actually Holds It Up
Preparing for same-day MCA funding? This guide covers timing cutoffs, document requirements, bank account types, and what stops deals from closing the same day.
Payment Processor Cash Advances Explained: Square, Shopify, Stripe, and PayPal
Got a payment processor cash advance offer from Square, Shopify, Stripe, or PayPal? Here's the framework to evaluate it before accepting.
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