r/MCAlegend

Looking for suggestions! I’m a sole proprietor with approx 25K in monthly revenue, in business since 2021. I’ve used a personal checking account the entire time, but finally opened a business checking account yesterday. Are there any MCA lenders that would use the data from my personal checking account for funding? Personal FICO8 is 614 on TU-not interested in giggle finance, Ualett, fundo or Cashera. TIA!

I’m writing to see if cold email is still working in the funding space.

I’m currently working with a loan broker who does MCA and other funding programs. He’s a veteran and also a good friend of mine. I have a couple of experiences in an email marketing my job is generating leads and setting appointments, while he handles the calls and the rest of the process.

I send cold emails to high-net-worth individuals and high-revenue businesses, mainly targeting CEOs, Presidents, VPs, and other decision-makers only.

The thing is, the reply rate has been pretty low in this niche. After sending around 20k emails, we landed 2 high-potential clients, and 1 is currently converting right now.

What I’ve noticed is that volume really seems to be the game here. The more emails you consistently send if your targeting is right eventually you will get fresh leads. But it definitely takes time and patience and consistency.

I’m just curious how cold email is working for everyone else in 2026 especially in the funding/MCA space.

Any tips, strategies or advice would really be appreciated.

About 18 months ago, I used MCA to keep my business afloat.

Eight months ago, I was diagnosed with Alzheimer's. We closed the business and moved to be near a major hospital where I am treated.

I receive about 20 texts every day from MCA sharks, brokers, sales reps, assholes, etc. I block every number. The texts just keep coming. The offers are ridiculous and humorous. And, annoying as fuck.

Short of changing my phone number, what can I do?

I am not well enough to fight these solicitations in court. But, I may have to.

This is an old Reddit account that hopefully can't be traced.

I work in merchant services and have been partnering with a few MCA shops to offer CC splits as a repayment structure on their deals. Merchant pays back through a percentage of card volume instead of fixed ACH pulls, which works really well for businesses with inconsistent revenue like restaurants, retail, contractors.

If you're a broker looking to place deals this way, I'm open to talking about how we can work together

Drop a comment or DM me

THE OPPORTUNITY:
I run a small business funding brokerage (Xander Funding) and I'm looking for one hungry cold caller to join me. Your job is simple — call small business owners from a list I give you every morning and ask if they need working capital. I handle everything else.
This is 100% commission. No base salary. But the commissions are real — $1,750 to $4,500+ per funded deal, paid within 48 hours of the deal closing.

YOUR DAY LOOKS LIKE THIS:
- I send you 20 fresh leads every morning by 8:45 AM
- You call them using a free auto-dialer app (I set it up for you)
- You follow up on previous days' leads
- Total phone time: about 3 hours a day (10 AM to 1 PM)
- If someone says yes, you text me their email — I handle all the paperwork
That's it. No admin. No paperwork. No chasing documents. Just calls.
WHAT YOU EARN:
You earn 40–50% of the broker commission on every funded deal. Example: on a $50,000 deal, the broker commission is typically $4,000. Your cut would be $1,600–$2,000.
Your Monthly Income
2 deals
$3,500–$5,000
4 deals
$7,000–$10,000
6 deals
$10,500–$15,000
Commissions are paid within 48 hours of a deal funding. Not bi-weekly. The day it closes, you get paid.

WHO THIS IS FOR:
-You're comfortable on the phone and can handle rejection
-You want uncapped income without a salary ceiling
-You can commit to 3 focused hours of calling per day, Monday to Friday
-You're self-motivated and don't need babysitting
-MCA experience is a bonus but NOT required — I'll train you

HOW TO APPLY:
Send me a 60-second voice note introducing yourself and telling me why you'd be good at this. If you sound confident and natural, you're in.
Email: Xander.funding@gmail.com

These shops are running aggressive marketing campaigns across multiple different outlets.

These shops have connections at A paper funders paying $40,000+ a month to recently first position funded deals to fund their second positions.

These shops have team leaders on aggressive splits and residual terms that make them stay and train all the new reps.

These shops have aggressive hiring campaigns.

These shops have brokers that correct funders when funders miss something in the file

However, best of all, these shops have a relationship with funders that fit the box of their approvable files. BUILD THOSE RELATIONSHIPS. (disclaimer - I am a funder)

The 10 UDSA lenders identified in the announcement account for nearly half of the delinquent loans in the program, according to a USDA news release. The full list of lenders:

Bank of Montgomery (BOM) Bank

Byline Bank

Celtic Bank

Community Bank & Trust – West Georgia

Genisys Credit Union

Greater Nevada Credit Union

North Avenue Capital

Optus Bank

U.S. Eagle Federal Credit Union

ReadyCap Commercial

Hi,

I'm already set up with some good lenders. I'm getting some deals that arent averaging a lot every month and my current lenders dont need them.

Is someone working with 10k/ms 20k/ms deals atm?

Thank you

Hey. Any tricks to clients chaperone 11 filing? Are we considered unsecured since its technically a purchase and not a loan? Anyone have experience is recovering in chaper 11?

My wife had a business and took out a few MCAs. She’s now out of business and still getting calls.

How do we get her off the marketing lists?

I'm finding the MCA Industry to be completely plagued and over stacked with MCAS. curious if others are also running into this conclusion.

Has anyone been to Broker Fair NY?

I go to a lot of events that are not in the MCA space, is there something special about the event that is worth $1,000 for half a day with 2 panels?

I'm curious to hear from people who have been already.

I've spent 10 years in freight brokerage. Cold calling, closing, building a book, managing a team, and even opening and running my own brokerage that now pays for itself. The whole thing. I've got time and I want something new so I've been looking at other industries where my skill set translates and MCA keeps coming up.

I get the basics. Advance against future receivables, factor rate, ISO gets a commission. Cool. What I don't get is everything else.

How do you actually get set up with funders? Is there a standard process or do you just cold outreach them until someone responds?

What does year one actually look like financially for someone who knows how to sell but doesn't know the industry yet?

Where are you getting leads? I'll cold call all day I just need to know who I'm calling and where the list comes from.

Is there any training that isn't some dude selling a $997 course?

What's the stuff that'll get me in trouble that I wouldn't know to ask about?

And long term is there a version of this where you build a small team under you and run it like a brokerage? That's ultimately what I want.

Not looking for "is this a good idea" responses. Already decided. Just want to know how it actually works from people doing it.

Started to get my feet wet and would like any advice to move from qualifier to closer eventually. Getting an hourly and 5% on deals starting out as a frontier. How do I grow from here?

Do you know of any landing pages for lead gen? Seems like all these leads just appear out of thin air for broker shops. Other than cold calling, can anyone provide insight as to where these leads originate? Landing page, site, examples?

Does mca lenders report to personal credit when you had to default with good faith which you called them and heads them up that you won’t be able to follow the weekly payments anymore?

I have a trucker that makes his deposits to an escrow account. He doesn't have a business checking account. Anyone know of any funders that will consider a file like this?

New MCA opener looking for partner. Just still learning the full process but can open really well. Let me know if you have something that works.

My brokerage offers CC Stacking and SBA’s, I know a lot of shops keep it strictly MCA’s.

It’s a great way to keep leads that refuse to take an MCA.