MCA Reconciliation Clause: What Your Contract Hides

Your MCA contract has a reconciliation clause that was supposed to protect you when revenue drops. Here’s why it rarely works — and how to use it anyway.

MCA Factor Rate vs APR: What Your Advance Costs

Your MCA funder quoted a factor rate, not an interest rate. Here’s the real cost math and why effective APRs on merchant cash advances are dramatically higher than they appear.