Resources
Field notes from MCA consulting engagements: risk education, deal intelligence and market commentary written for the underwriters and operators we work alongside.
Before funding your first deal, write the credit policy that will actually run your book. Here is where to start.
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A desk guide to reading MCA default rates correctly, by vintage and definition, not as one blended figure.
Read article →How to speed up MCA underwriting turnaround time by fixing the queue, not the diligence.
Read article →A desk-level look at how concentration, not the average deal, drives MCA portfolio risk.
Read article →A practical look at writing MCA underwriting guidelines that flex for edge cases without losing discipline.
Read article →How MCA funders use third-party underwriting without losing control of risk decisions or house rules.
Read article →An MCA underwriting checklist is essential, but its function should evolve. Learn how to turn a junior underwriter's rulebook into a senior analyst's guide.
Read article →As your fund grows, how you structure your underwriting team becomes critical. We explore the generalist versus specialist models for better risk management.
Read article →Effective MCA underwriting services go beyond a standard checklist. They must be calibrated to a fund's specific risk appetite and strategic goals.
Read article →Negative days on a bank statement are a key risk signal. Learn to interpret them beyond a simple count to assess true merchant stability and risk.
Read article →Learn how to underwrite a merchant cash advance by reading the story in the bank statements, not just the summary data, to uncover hidden risks.
Read article →A practical fix for the MCA underwriting process: check kill criteria before you ever open a spreadsheet.
Read article →How alternative lenders should calibrate outsourced underwriting before the first file ever gets reviewed.
Read article →Why renewals deserve a fresh underwrite, not a rubber stamp, from an MCA underwriting consultant's view.
Read article →A practical approach to outsourced MCA underwriting: codify kill criteria so decisions stay consistent.
Read article →An MCA provides upfront capital in exchange for a percentage of future sales. How they work, when they make sense, and what funders actually look at when underwriting an application.
Read article →Funders look at 3-6 months of bank statements before approving any MCA. Exactly what they're measuring, and how to prepare before applying.
Read article →Stacking (taking multiple advances simultaneously) is one of the fastest ways to get declined. How funders detect stacking positions and what it means for an application.
Read article →Factor rates vs APR. Daily remittance vs monthly payments. Approval in hours vs approval in weeks. A practical comparison.
Read article →Non-sufficient funds and overdraft fees are significant risk signals in MCA underwriting. How funders count, categorize, and weight NSFs.
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