Resources
Field notes from MCA consulting engagements: risk education, deal intelligence and market commentary written for the underwriters and operators we work alongside.
A desk-level look at how concentration, not the average deal, drives MCA portfolio risk.
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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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