THE MCA INTELLIGENCE HUB
Understand, Challenge, and Escape Predatory Lending
What Is a Factor Rate — and Why It Hides the True Cost
When an MCA provider quotes you a factor rate of 1.35, it sounds reasonable. But factor rates aren't interest rates. Here's how to convert yours to a real APR.
Confession of Judgment: What It Is and Why It's Dangerous
A COJ lets a lender get a court judgment against you without notice or a hearing. New York banned enforcement against out-of-state borrowers — but many contracts still include it.
What Does 'Reconciliation' Mean — and Why You Need It
True reconciliation adjusts your payments when revenue drops. Many MCAs collect fixed daily payments anyway. Courts are starting to call those loans.
New York's $534M MCA Settlement: What It Means for Borrowers
A major MCA provider agreed to a landmark settlement over deceptive practices. We break down what happened and what it means for your rights.
Why Stacking Multiple MCAs Is So Dangerous
Taking a second or third advance while repaying the first can push combined costs to 200–350% APR equivalent. Here's how to avoid the trap.
California's New MCA APR Disclosure Law: What Changed
California now requires MCA providers to disclose equivalent APR before funding. Here's what that means for borrowers in the state.