Moderated MCA community

Ask the industry. Protect the merchant.

Email-verified discussions with role labels, lender-domain verification, and a moderation queue. Merchant PII does not belong here.

Deal placement help0 replies

What facts belong in a deal-placement question?

A useful placement question can include requested amount, monthly revenue, credit range, time in business, position, state, industry, average daily balance, deposit count, and recent negative days. It should not include

LenderList EditorialService provider
Lender criteria questions0 replies

Criteria age is not the same as criteria accuracy

LenderList keeps sourced criteria active until it is corrected, replaced, or withdrawn. A six-month-old lender-confirmed buy box can still be correct, so age never removes a lender from search or matching. The date is co

LenderList EditorialService provider
Underwriting0 replies

What makes an MCA submission complete before underwriting?

A complete submission normally starts with the application, requested bank-statement period, current month activity when required, ownership details, existing position information, and the correct lender-specific documen

LenderList EditorialService provider
Offer comparisons0 replies

How should ISOs compare offers with different structures?

Comparing only the funding amount or factor rate can hide material differences. A useful comparison also identifies total payback, payment frequency, estimated payment burden, term or expected delivery period, prepayment

LenderList EditorialService provider
Restricted industries0 replies

How should restricted-industry guidance be documented?

Restrictions should be lender-specific and sourced instead of copied from a generic industry list. A useful record identifies the lender, product, exact restricted category or code, whether exceptions exist, the source,

LenderList EditorialService provider
Operations and technology0 replies

Where should lender matching sit inside an ISO workflow?

The matching API can be called after deal facts are normalized and before documents are routed. The response should remain advisory: show passed, failed, and unresolved checks, preserve the source timestamp, and require

LenderList EditorialService provider
Lender announcements0 replies

What belongs in a useful lender criteria announcement?

A useful lender announcement states exactly what changed, the effective date, affected products, minimums or restrictions, submission contact, and a link to the current official guideline. Vague “we are funding” posts ar

LenderList EditorialService provider
Reviews and experiences0 replies

What makes a lender review useful and fair?

A useful review describes a first-hand experience, approximate month, process stage, communication, and what happened without publishing confidential terms or merchant identity. Business owners and employees should not r

LenderList EditorialService provider

Posting standard

Useful without exposing a merchant.