MCA, built for daily sweep repayment.
Advance cash against a merchant's future card sales. Fixed factor pricing, daily holdback from settlements, full visibility on remaining balance.
- Factor-rate pricing (not interest)
- Daily sweep from card settlements
- No fixed repayment schedule
- Auto-completes when factor amount is reached
What lenders in this space tell us.
MCA isn't a loan
Factor rates, not APR. No fixed schedule. Most loan systems can't model this — they force you into amortisation.
Repayment depends on sales
If sales are good, the advance clears fast. If they dip, repayment slows. Your system needs to handle variability gracefully.
Reconciliation is daily
Every day's card settlements feed a holdback. Without automation, reconciling by hand is brutal.
Everything you need to run this product line.
Factor-rate pricing
Price advances as a factor (e.g. 1.25x) of the disbursed amount — not as interest.
Card settlement intake
Connect merchant card processor or upload daily settlement reports; LoanHQ computes the holdback.
Daily holdback
Configure a percentage of daily card sales to hold back (e.g. 12%) until the factor amount is repaid.
Auto-complete on payoff
When holdbacks reach the factor amount, the advance auto-closes — no manual mark-as-paid needed.
Merchant verification
Verify business registration, trading history, and average monthly card volume before approval.
Sales-trend underwriting
Decision based on 3-6 months of card settlement history — not credit score alone.
MCA with the right model behind it.
Stop forcing MCA into a loan schedule. Configure factor pricing and daily holdback in minutes.