Got an MCA offer? Check it before you sign.
Send us the offer and your last 3 months of bank statements. Our underwriting engine — the same kind of analysis funders run on you — shows what your file actually qualifies for, what the offer really costs, and whether you can do better. Free, confidential, no obligation.
If the offer in your hand is good, we'll tell you to take it.
Why merchants get burned
Most business owners see one number: the amount being wired. The cost hides in the other numbers — the factor rate, the daily payment, the fees deducted at funding, and what stacking does to your cash flow. A $50,000 advance at a 1.35 factor costs $17,500 regardless of how fast you repay; take it over six months and the annualized cost is far beyond anything a bank would print in bold.
Funders run underwriting software on your statements before they offer you a dime. Our second opinion simply runs the same class of analysis for you: deposit strength, existing payment load, what grade your file earns, and what terms that grade should command in the market. You walk into the negotiation knowing what they know.
How it works
1. Send the offer and 3 months of statements
Upload through our secure analyzer or call and we'll take it by email. Statements are analyzed and never stored.
2. The engine reads your file like an underwriter
Real deposit analysis, existing-position detection, payment-capacity math — and your funding readiness grade, instantly.
3. Get the verdict, in plain English
What the offer really costs, how it compares to what your file supports, and the specific moves that would get you better terms. Then you decide — sign it, counter, or let us match you with something better.
Offer questions, answered straight
What is a factor rate, in plain English?
A factor rate is the multiplier on what you repay. A $50,000 advance at a 1.35 factor means you repay $67,500 — $17,500 in cost — no matter how fast you pay it back. Because it's not an interest rate, a short repayment window can make the true annualized cost far higher than it looks. That math is exactly what our free analysis shows you.
What does the second opinion cost?
Nothing. You send your offer and your last 3 months of business bank statements; we send back an underwriting-grade read: what your file actually supports, how the offer compares, and what would improve your terms. No obligation either way.
Will you shop my file around without asking?
No. Nothing leaves our review without your express consent. If the offer in your hand is genuinely good, we'll tell you to take it — saying so is exactly why merchants trust us with the next deal and the one after that.
What are the biggest red flags in an MCA offer?
Guaranteed approval claims, pressure to sign same-day, fees that only appear at funding (origination, ACH program, wire), no clear payoff letter policy, and any push to stack a new advance on top of existing ones without showing the combined daily payment against your real deposits.
I already have an advance. Does a second opinion still help?
Especially then. Stacking a second or third position can push total daily payments past what your deposits support — the exact spiral that kills good businesses. We show your combined payment load as a percentage of revenue before you commit, and whether a consolidation or a better-structured single position beats stacking.
Do the check yourself first
Plain-English guides to the numbers and clauses that decide whether an offer is fair.
- Is My Merchant Cash Advance Offer Fair? How to Check in 10 MinutesHolding 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.
- Factor Rate to APR: What a Merchant Cash Advance Really CostsA 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.
- 12 Merchant Cash Advance Red Flags to Catch Before You SignFrom 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.
- How to Compare Two Merchant Cash Advance Offers Side by SideTwo 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.
- Stacking Merchant Cash Advances: What a Second Position Really Does to Your Cash FlowTaking 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.
- How 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.
- Factor Rate vs APR: How to Compare Offers Priced Two Different WaysOne 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.
- How to Read a Merchant Cash Advance Contract, Clause by ClauseWhat 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.
- What 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.
- How to Renegotiate a Merchant Cash Advance You Already HavePayments 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.
Don't sign what you haven't checked
The analysis is free. The mistake it prevents usually isn't.
We are a funding marketplace, not a lender, and this analysis is informational — not legal or financial advice. Nothing is shared with any funding partner without your express consent.