Guides
MCA and business funding guides
Plain, honest explainers on merchant cash advances and business funding, including when the answer is not a funding product at all.
Merchant cash advances
What an advance is, what it actually costs once you annualize it, what happens when the debits stop clearing, and every route out ranked by cost and speed.
How to Get Out of a Merchant Cash Advance
Six ways out, ranked by what they cost and how fast they work.
Read the guide→What Happens If You Default on an MCA?
The sequence: UCC liens, frozen accounts, then court, and what to do first.
Read the guide→What Is a Merchant Cash Advance?
How an MCA buys a slice of your future sales, and what it really costs.
Read the guide→Merchant Cash Advance vs Business Loan
Factor rates and APRs are not the same number. The math, written out.
Read the guide→MCA Holdback and Factor Rates
What a 1.4 factor rate actually costs once you annualize it.
Read the guide→Are Merchant Cash Advances Legal?
Legal, but regulated. Where the line sits now, and what changed.
Read the guide→MCA Consolidation Companies Compared
How to tell a lender from a broker before you sign anything.
Read the guide→Practice and business funding
Buying a practice and running one: the order a deal happens in, what a lender asks to see, and why practice cash flow behaves unlike any other small business.
Nothing here is a pitch, and none of it is gated. If you would rather talk than read, the MCA fit check gives you a read on your own stack in four questions. These explainers are the long-form end of the site; the business funding library indexes everything else we publish — the SBA and practice-financing pages, the calculators and checklists, and the latest articles.