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.
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.
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