◆ Bearings
Notes from the audit desk.
Practical guides on MCA defense, merchant cash advance rights, and protecting your business from predatory lending.
Daily ACH debits: what your MCA lender doesn't explain
You signed up for a percentage of daily sales. What you got is a fixed daily withdrawal that doesn't care what your sales actually were.
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How to write an MCA dispute letter that gets a response
Most dispute letters get ignored because they're vague. Here's how to write one backed by numbers that the lender can't brush off.
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What happens to your cash flow when an MCA goes wrong
Daily ACH debits don't care if you had a slow week. Here's what MCA payment stress actually does to a small business, and how to claw back control.
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How to reconcile your MCA payments against your bank records
A step-by-step walkthrough of matching your bank debits against your MCA agreement terms, and what to do when the numbers don't add up.
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Your MCA lender probably overcharged you
Most business owners with merchant cash advances have overpaid and don't know it. Here's why that happens and what the numbers actually look like.
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