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The MCA Education Library
Everything your funder never explained. Free to read, no signup.
Before You Sign — Free MCA Checklist
10 questions to ask before signing any MCA contract. A funder with clean paper will answer every one without hesitation. Print it and bring it to the table.
Open checklist →- New — July 2026
July 1, 2026
What is a UCC-1 Filing? What Every MCA Merchant Should Know
When you take MCA funding, your funder files a public UCC-1 lien. Here's what it is, why it causes the calls, and how to get it removed after payoff.
Read → - New — July 2026
July 1, 2026
What is a Reconciliation Clause in an MCA Contract?
A reconciliation clause lets you request lower MCA payments if revenue drops. Most merchants don't know it exists. Here's how it works and what to do if yours is missing.
Read → - Breaking — June 2026
June 29, 2026
Oregon now offers its own revenue-based loans. Here's what a 2.0 factor rate actually costs.
Oregon now offers state-run revenue-based loans with a 2.0 factor rate. Here's the real APR calculation and how it compares to private MCA funding.
Read → - Breaking — June 2026
June 8, 2026
The Arbitration Clause in Your MCA Contract May Have Been Rigged. New York Just Filed Suit.
The NY Attorney General sued Rapid Ruling, a sham MCA arbitration service that ruled against small businesses 97% of the time. Here's what it means if you have an MCA contract.
Read → - New — June 2026
June 25, 2026
What is a Confession of Judgment? The most dangerous clause in your MCA contract
A Confession of Judgment lets your MCA funder freeze your accounts without notice. Learn what it is, how to find it in your contract, and what to do about it.
Read → - New — June 2026
June 25, 2026
What is a factor rate? How to calculate your real MCA APR
A factor rate is not an interest rate. Here's exactly how MCA factor rates work, how to calculate your real APR, and what your deal actually costs.
Read → - New — June 2026
June 24, 2026
Why Funders Keep Calling After You Take MCA Funding
Why are funders and brokers calling, texting, and emailing your business after you took MCA funding? The UCC-1 filing is public record. Here's what's happening and what you can do.
Read → - New — June 2026
June 17, 2026
The CFPB just excluded merchant cash advances from its new rule
On April 30, 2026 the federal government finalized a small business lending data rule and explicitly exempted MCA. Here is what that means for merchant protections and what still applies.
Read → June 17, 2026
MCA contract red flags: what to look for before you sign
Eight clauses that cost merchants money. What each one means, where to find it in your contract, and what to do about it.
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