Lindsey McCaffrey

Big policy swings. Major legal shakeups. And a new wave of rules, reshaping just about every corner of merchant cash advance funding. In an intense quarter we can only refer to as “dramatic,” we saw sweeping regulatory changes that carry real weight for the MCA industry—affecting everything from underwriting and compliance to deal flow.

Traditional lending has had centuries to refine its underwriting, giving rise to the well-known 5 Cs of Credit for assessing risk. But alternative funding solutions, especially merchant cash advances, don’t fit neatly into this decisioning framework. In this article, we’ll introduce the 3 Rs of MCA funding.

At the heart of every merchant cash advance operation, there lies one fundamental truth: money can’t go anywhere without ACH processors. But while ACH processors are essential, they’re not infallible. Outages can and do happen—slowing down funding, stalling collections, and leaving your entire operation scrambling.

In this article, we’ll share the key difference between traditional growth and scaling, while uncovering the infrastructure, tools and best practices that high-performing MCA firms use. Whatever your future goals, the insights below will help you scale your own MCA funding business strategically, so you can thrive in a fast-changing market.

As the foundation of credibility and long-term growth, being known as a reputable MCA provider can help you attract more clients, build lasting partnerships, and remain resilient during economic downturns. In this article, we’ll explore why reputation is critical for providers, how trust plays a central role, and share best practices for strengthening your brand in the high-stakes environment of merchant cash advance funding.

More than a simple digitization tool, OCR is proving to be a powerful and popular business accelerator across the financial services sector, as it reduces errors, unlocks automation, and gives teams a serious speed advantage.

To steer your SMB in the right direction, you need a clear view of its overall performance and stability. That’s where financial ratios come in, providing quick and meaningful insights into small business financial health.

From managing employees and serving customers to handling day-to-day operations, it’s no surprise that SMB owners may overlook the financial paperwork side of things.
But having your financial documents in order isn’t just necessary for tax season. They also serve as an ongoing foundational pillar for your SMB’s long-term stability and growth.

While most SMEs can benefit from MCA funding, not all SMEs are equally strong candidates. Some are simply better for MCA funders’ business. But who exactly are these ideal clients—and how do you find them?

It’s fair to say that the concept of FPS interlinking represents the cross-border payments equivalent of a video call. Just as digital connectivity has made it possible to talk and see each other halfway around the world, by just holding a mobile device, FPS interliking aims to make digital cross-border payments just as instantaneous.
FPS interlinking is emerging as a new way to move money across borders, connecting fast payment systems (FPS) across different countries. And as the G20 Cross-B...

One of the fundamental responsibilities of running a small business is having a clear view of your finances at all times. Today, tomorrow, and into the future, you need to know where your money is, where it’s going, and how much leeway you have to keep things operational. That’s where working capital comes in.

No customers, no business. It’s that simple. Regardless of how amazing your product or service is, no small business can survive without a regular stream of new customers.
Unfortunately, without a clear plan, all these efforts can fall flat—or worse, waste your limited time and hard-earned money.

Errors sneak into business credit reports more often than you’d expect. When they do, those mistakes can make you appear less creditworthy to lenders. There is good news, however. If something in your report isn’t accurate, there are tried-and-true steps you can take to dispute and fix it.

As a small business owner, you know how crucial your team is to transform your vision into reality and drive growth. But finding the right talent is tough, especially when you’re up against larger companies with more resources. In this article, we’ll share hiring tips for small businesses just like yours.

Running a business is tough, no matter who you are. But as an immigrant in the U.S., you face even more challenges. Below, we dive into the best tech tools for entrepreneurs, including tips and strategies to help your immigrant business thrive in the U.S.