Make sure the offer in your hand is fair.
Merchant cash advance offers are built to be signed, not understood. These guides show you the numbers the offer sheet leaves out, the clauses that hurt, and what to ask for. When you want the math done on your actual offer, the free second opinion is one upload away.
Is My Merchant Cash Advance Offer Fair? How to Check in 10 Minutes
Holding an MCA offer? Here is how to tell whether it is fair: the five numbers you need, the payment-capacity test, typical factor-rate ranges by file grade, and what to ask for before you sign.
Sep 3, 2026 · 8 min readFactor Rate to APR: What a Merchant Cash Advance Really Costs
A factor rate is not an interest rate. See what 1.2, 1.3, 1.4 and 1.49 factor rates cost in dollars and in approximate APR across 4, 6, 9 and 12-month terms, how fees change the math, and why term matters more than rate.
Sep 3, 2026 · 7 min read12 Merchant Cash Advance Red Flags to Catch Before You Sign
From confessions of judgment to fees that only appear at funding: twelve warning signs in MCA offers and contracts, what each one costs you, and what a clean offer looks like instead.
Sep 3, 2026 · 9 min readHow to Compare Two Merchant Cash Advance Offers Side by Side
Two MCA offers, same advance, different factor rates and terms. A worked example with real numbers shows which one costs less, which one your cash flow can carry, and the eight-line worksheet to run on any pair of offers.
Sep 3, 2026 · 7 min readStacking Merchant Cash Advances: What a Second Position Really Does to Your Cash Flow
Taking a second merchant cash advance on top of the first? A worked example shows the combined payment jumping from 12.7% to 23.3% of deposits, why second positions cost more, the contract clause most merchants breach, and the alternatives.
Sep 3, 2026 · 8 min readHow to Negotiate a Merchant Cash Advance Offer (What Actually Moves)
MCA offers are more negotiable than most merchants think. What funders will move on (term, fees, payment frequency, prepayment discounts, contract clauses), what gives you leverage, and the three sentences that get results.
Sep 3, 2026 · 7 min readFactor Rate vs APR: How to Compare Offers Priced Two Different Ways
One offer quotes a 1.30 factor rate, the other a 34 percent APR. They are not the same kind of number. A worked example showing how to put both on the same page: dollars of cost, annualized cost, and monthly payment.
Oct 5, 2026 · 7 min readHow to Read a Merchant Cash Advance Contract, Clause by Clause
What each section of an MCA agreement means in plain English: purchased amount, specified percentage, reconciliation, events of default, security interest and UCC filing, personal guaranty, and the clauses to ask about before you sign.
Oct 5, 2026 · 9 min readWhat Determines Your MCA Factor Rate (and Why Files Get Declined)
How an underwriter reads your bank statements: the seven things that set your factor rate and term, what each file grade pays on a $40,000 advance, the most common reasons files are declined, and what you can fix in 60 to 90 days.
Oct 5, 2026 · 8 min readHow to Renegotiate a Merchant Cash Advance You Already Have
Payments on an existing MCA getting too heavy? The options in order: a reconciliation request, a payment modification, a refinance or payoff, and when to bring in an attorney. Includes the warning signs, a worked example, and what not to do.
Oct 5, 2026 · 8 min read
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