Which funding products does this apply to?

Merchant Cash Advance. Each has its own page listing the funders in this directory that offer it and what each one publishes about its terms.

Are the figures here quotes?

No. Every worked example is labelled illustrative and exists to show the arithmetic. What a particular lender charges is on that lender's page, where it publishes it at all.

The Find Me Funders research desk. Some drafting is AI-assisted, and every page that is says so at the top, including whether a person has checked its claims yet.

How do I know a figure here is right?

Where a page carries the green notice, its claims were checked against the sources listed at the end and a reviewer is named. Where it carries the amber one, nobody has verified it yet and you should confirm anything you plan to act on.

Are the examples real deals?

No. Every worked example is labelled illustrative and exists to show the arithmetic. What any particular lender charges is on that lender's page, where it publishes it.

Why do you never say what a typical rate is?

Because we cannot source it. A market average assembled from lenders who do not publish prices is a guess with a decimal point on it. Where a lender publishes a figure, we show that figure and say where it came from.

Is this financial or legal advice?

No. It is general information about how these products work. Outcomes depend on your contract and your state, and a lawyer or accountant licensed where you are is the person to ask about your situation.

Can I reuse this content?

Quote a paragraph with a link back. Do not republish whole articles.

When the daily MCA payment is more than you earn

When the daily debit is more than the business earns

The order you do things in matters more than any single step, because two of the obvious moves are enumerated events of default.

By Find Me Funders research desk Updated 14 September 2026 955 words 4 min read

Drafted with AI assistance. Not yet independently checked. Nobody has verified the claims on this page against a source, so treat the figures and legal points as a starting point rather than as settled, and confirm anything you are about to act on. How we check things.

The daily MCA payment is more than my business takes in. What do I do?

Do not block the debit, close the account or move banks first — each is usually an enumerated event of default that can accelerate the full balance and reach your personal guarantee. Instead, get the real numbers from four weeks of statements, file a written reconciliation request today if your contract has one, and open a written conversation with the funder's servicing desk rather than the broker. Then take advice before agreeing to anything, and do not take a second advance.

Do these in this order

1. Get the actual numbers, today.Four weeks of bank statements. Total deposits, total remittances to the funder, total everything else. You need one figure: the gap per week between what comes in and what must go out. Guessing at this stage produces the wrong decision.

2. File a reconciliation request in writing, now.If the agreement has a reconciliation clause, this is the mechanism built for exactly this situation, and most owners never use it. Cite the section number, state the period, attach complete bank and processor statements, do the arithmetic yourself — actual receipts times the specified percentage, against what was actually taken — and state the reduced daily figure you are asking for. Send it the way the notice clause requires, and keep proof of delivery. Note the deadline in your contract; these windows are short and they expire.

3. Contact servicing, in writing.Not the broker. The broker has no authority over the account after funding. Ask specifically for a reduced remittance, a short deferral, or a restructured schedule. Funders have workout desks and would generally rather restructure than chase. Whatever is agreed, get it in writing before it takes effect.

4. Understand what the tempting moves cost.Stopping the debit, revoking the ACH authorisation, closing the designated account or switching banks are all typically enumerated events of default. Default can accelerate the entire unpaid purchased amount, trigger default and attorney fees, engage the personal guarantee, and — where the agreement includes a confession of judgment that can be entered in the relevant court — produce a judgment and frozen accounts without a hearing. If you do nothing else, do not do these before taking advice.

5. Do not take a second advance.A second position is normally a breach of the first, it compresses your timeline rather than extending it, and it is the single most consistent step in the sequence that ends businesses. Anyone offering one while you have a live position is offering to breach your contract for you.

6. Get advice this week.A commercial litigation or restructuring lawyer licensed in your state, and an accountant who has seen this before. One hour, with the agreement, the guarantee, any confession of judgment and four weeks of statements in front of them. This is worth paying for. Be careful with companies marketing "MCA debt relief" that instruct you to stop paying — that instruction, followed, is the default event that hands the funder its remedies.

What the reconciliation arithmetic looks like

Illustrative only —the agreement specifies 12% of receipts, and across the last four weeks your deposits were $38,400.

Twelve percent of $38,400 is $4,608. Over those same four weeks the funder took twenty daily debits of $520, which is $10,400. The overcollection is $5,792, and the daily figure consistent with your actual receipts is $4,608 divided by twenty, or $230.40.

Put those five numbers in the letter: the specified percentage, the period, the receipts, what should have been taken, what was taken. Then state what you are asking for — a reduction to $230.40 a day, and a credit or refund of the difference if the contract provides for one.

A request in that form is answerable. "The payments are too high" is not, and it gets handled by whoever is least busy.

If there is no reconciliation clause

Some agreements have none, and some have one drafted so it can never be invoked: no procedure, no deadline, no method of calculation, adjustment at the funder's sole discretion. You are then negotiating rather than exercising a right, and the approach changes.

Lead with what you can pay rather than with what you cannot. A number you will hit every week is worth more than a larger one you will miss.
Offer something in exchange: weekly reporting, a longer term, continued access to your bank data, a stated review date.
Ask for the accommodation as a written amendment, then read what the amendment adds — extra fees, a longer term at the same total, a reaffirmed guarantee, or a new confession of judgment. A restructure that quietly adds a remedy is not an accommodation.
Keep every debit clearing while you negotiate if you can possibly manage it. Your position collapses the day the first one bounces.

What is happening to the other positions

If there is more than one, work out the whole picture before agreeing anything with any of them. Settling with the loudest funder at a number you cannot sustain, while two quieter ones keep running, is how owners spend their last cash on the wrong position.

List every funder, the daily or weekly amount, the estimated remaining balance, the debit day, and whether each has a reconciliation clause. That single page is what a lawyer needs, and it is also what makes the servicing conversations coherent. Funders assume you have others; they respond better to an owner who can describe them accurately than to one who cannot.

What to have ready

The full agreement pack, including the guarantee and any separate affidavit you signed.
Four to twelve weeks of complete bank statements and processor statements.
A one-page summary: what you owe, to whom, the daily amount, and what you can actually sustain.
A short, specific proposal. "I can deliver $250 a day for the next twelve weeks and then review" gets further than "I need help".

The thing to hold onto

A shortfall you disclose early is a servicing conversation. A shortfall discovered through a failed debit is a default file. The difference between those two outcomes is usually one email sent a fortnight sooner.