Insights for MCA Lenders
Bank verification best practices, fraud prevention, and underwriting strategies
Shopify Capital's $4.2B MCA Portfolio: What It Means for AI Underwriting in 2026
Shopify Capital hit $4.2B in MCA and business loan originations in 2025, but default rates are rising. Here's how AI underwriting and bank verification technology are becoming critical.
How Lightspeed and Worldline Are Normalizing Embedded MCA in 2026
Major payment processors are embedding merchant cash advances directly into their platforms. What this means for independent lenders.
How AI Is Quietly Reshaping MCA Underwriting (And Why Manual Bank Verification Still Matters)
AI is transforming MCA underwriting, but human verification remains critical. Here's how smart lenders balance automation with authenticity.
The Carroting Scam: What the FBI's Latest MCA Fraud Case Means for Lenders
Eight individuals arrested in a small business loan fraud scheme. Here's what MCA lenders need to know about carroting and how to protect your portfolio.
Why Reserve Holds and 10% Holdbacks Are Crushing Small Businesses
Payment processor reserve holds are becoming more aggressive. For MCA lenders, this trend impacts both applicants and underwriting risk.
Texas MCA Law and the Automatic Debit Problem: What Lenders Need to Know
Texas just restricted automatic debits for commercial financing. Here's what MCA lenders need to understand about the new law and compliance.