Business funding & MCA guides

A practical review order for any business funding offer — MCA, term loan, line of credit, or promissory note — starting with the one number the offer hides: the real cost.

An MCA is not a loan on paper — it is a purchase of your future sales, and that distinction is the whole game.

A factor rate hides the real cost. Converting it to an APR is the single most useful thing you can do before signing.

A confession of judgment lets a funder get a court judgment against you without a lawsuit, notice, or a hearing — it is the most dangerous clause in business funding.

Fixed daily ACH debits are how an MCA gets repaid fast — and how a slow week turns into a default.

Reconciliation is the promise that your payments flex with your sales — and whether it is real or illusory is the heart of an MCA.

An MCA is faster and easier than a loan — and almost always far more expensive and riskier. Here is how to compare them.

A personal guaranty is how business funding reaches past the company and into your personal assets — especially when paired with a confession of judgment.

Many funding agreements define default so broadly that ordinary business events — or just a slow month — can accelerate the whole balance.

A blanket UCC-1 lien gives the funder a claim on essentially everything your business owns — and it can block your next financing.

A promissory note looks simple, but the interest, prepayment, acceleration, and guaranty terms decide how much it really costs and how much risk you carry.

A fast checklist of the clauses that most often trap a small business in a funding or MCA agreement.