Working Capital Strategy & Advisory
Strategic capital,
structured with a
long-term plan.
We advise established businesses on how to access capital responsibly — even when short-term funding is necessary. Not all business can qualify for long term funding.
✦ We prioritize long-term bankability over short-term commission.
The Real Problem
The MCA industry has a transparency problem.
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Daily withdrawals stacking on top of each other — killing cash flow month after month
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Hidden broker markups of 8–12 points that you never see disclosed
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Stack after stack with no exit strategy — and no one explaining the real cost
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Brokers who disappear after the deal — leaving you buried with nowhere to go
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Brokers sending fake offers and pretending to be the direct lender — so you never know who you're actually dealing with or what the real terms are
We don't just sell money.
We structure it.
We analyze your current debt, deposits, negative days, and approval ceiling before we ever quote you a deal. Then we build a structure with an exit — not just a check.
Not every business qualifies for long-term bank financing today. But almost every business can build toward it. We build that plan from day one.
Capital Advisory — Not a Funding Call Center
01
Phase One
Stabilize
Secure capital structured around your current cash flow. We choose payment frequency, term, and structure based on what your business can actually support — not what maximizes our commission.
02
Phase Two
Strengthen
Reduce stacking exposure, improve deposit consistency, clean up debt load. We actively monitor your position and work to improve the metrics that matter for qualification — before you need capital again.
03
Phase Three
Graduate
Transition into lower-cost monthly programs, lines of credit, or conventional financing when eligible. This is the goal from day one — and we work every deal with this exit in mind.
If a better structure is available, we will find it.
If not, we will tell you why.
No hidden markups. No pressure. Just an honest review of your position.
Schedule a Strategy Call
Our Approach
Advisory thinking in a transactional industry
Most brokers think: fund → commission → next. We think: fund → stabilize → graduate. Here's what that means in practice.
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We Review Before We Quote
Before we ever present a deal, we analyze your deposits, existing debt load, negative days, and approval ceiling. You deserve to know what you actually qualify for — not what someone wants to push.
Most brokers skip this step entirely.
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Transparent Compensation
We disclose how we're compensated — upfront. No hidden broker points buried in the deal. No 8–12 point markups you find out about later. You see the full picture before you sign anything.
Industry standard hides this. We don't.
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Structure for Cash Flow
Weekly or daily debits aren't always necessary. We choose payment frequency — weekly, bi-weekly, monthly — based on what your deposits can genuinely support. Stability over speed.
We ask about your cash flow cycle before structuring.
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Exit Strategy Built In
We work toward long-term bankability on every deal — not just the immediate placement. If you follow the structure and improve key metrics, we work to transition you into lower-cost programs over time.
Almost no other broker thinks this far ahead.
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We Tell You When to Say No
If taking capital right now would damage your position — we'll tell you. If consolidation isn't the right move — we'll explain why. Honest guidance sometimes means walking away from a deal.
We earn trust by being the advisor who told the truth.
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Capital Stress Test
We analyze average monthly revenue, deposit frequency, negative days, current MCA exposure, and approval ceiling — giving you a complete picture of your capital health before making any decision.
This is how underwriters think. Now you have access to it too.
Our Philosophy
"Short-term funding is not the problem. Taking it without a plan is."
We position ourselves as capital structuring advisors — not brokers, not lenders. That means our job doesn't end when the deal closes. It begins there.
What that means for you
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You'll understand what you're signing before you sign it
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You'll know what the deal actually costs in real terms
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You'll have a clear plan for what comes next — not just this advance
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You'll know if this is the right move at all — even if the answer is no
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You'll work with someone whose goal is your long-term bankability
Ready to review your capital structure?
Upload 3 months of bank statements and we'll provide a free, confidential analysis within 24 hours.
Submit for Free Review
Capital Solutions
Available programs — explained honestly
Every program has a right time and a wrong time. We tell you both.
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SBA & Long-Term Options
Bankable · 5–25 Years
Conventional-rate, long-term financing through SBA programs or bank partners. The goal line — the lower-cost capital every business should be working toward.
Best For
- 680+ FICO with clean history
- 2+ years in business
- Stable, documented revenue
Not Yet If
- Active MCAs or heavy stacking
- Credit or banking issues unresolved
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Secured Lines of Credit
Long-Term · Revolving
Asset-backed revolving credit — draw what you need, repay, draw again. Lowest cost structure available outside of conventional bank financing.
Best For
- Businesses with 680+ FICO
- Real estate or equipment assets
- Businesses ready to move beyond MCAs
Consider Carefully If
- Collateral is limited or encumbered
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Monthly Payment Programs
Stability · 12–36 Months
Lower-frequency payment structure with reduced factor rates. Better for businesses with consistent monthly revenue and stronger credit profiles looking to protect cash flow.
Best For
- Established businesses with 650+ FICO
- Businesses that bank monthly vs. daily
- Clients transitioning from daily programs
Consider Carefully If
- Significant negative days in statements
- Heavy existing MCA stacking
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Revenue-Based Financing
Flexibility · Ongoing
Payments flex with your revenue — higher months pay more, slower months pay less. Reduces the strain of fixed payments during slower periods.
Best For
- Seasonal or cyclical businesses
- Service-based companies
- Businesses with variable monthly revenue
Consider Carefully If
- Revenue is already declining
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Consolidation & Restructure
Relief · Strategic
Combine multiple active positions into a single, manageable payment. Reduce daily cash drain, improve approval ceiling, and create breathing room for growth.
Best For
- Businesses with 2+ active MCAs
- Clients being crushed by daily debits
- Anyone building toward bankable financing
Not Always Available If
- Revenue has declined significantly
- Defaults or UCC liens are present
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Short-Term Working Capital
Speed · 3–12 Months
Revenue-based advance structured against daily or weekly deposits. Fastest access to capital — typically 24–48 hours from approval to funding.
Best For
- Immediate operational gaps
- Seasonal inventory needs
- Time-sensitive opportunities
- Businesses with strong daily revenue
Consider Carefully If
- Cash flow is already tight
- You are already 50%+ over leveraged
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We'll tell you which program makes sense — and which ones don't.
Most brokers match you to whatever they can place. We analyze your position first and recommend based on what genuinely fits your business. If nothing fits right now, we'll explain what needs to change and when to come back.
Qualification Overview
What you can qualify for — at every credit tier
Credit is one factor. Revenue, deposits, and debt load matter just as much. Here's the honest breakdown.
Monthly payment programs — 8–14% conventional
Secured line of credit options
SBA pathway (with qualifying revenue)
Lowest factor rates in MCA market
Highest approval ceilings available
Best position for long-term bankability. Our goal is to get every client here.
May qualify for monthly payment programs
Factor rates starting from 1.17
Hybrid bi-weekly structures available
Consolidation structures may apply
With proper structure, most Tier B clients can reach Tier A within 4 months. We build that plan from day one.
Weekly payment programs only
Approval based primarily on deposit volume and frequency
No monthly programs available at this tier
We structure carefully here — only what cash flow can genuinely support. We will decline if the deal doesn't make sense for your business.
Important: Credit score is one data point — not the whole picture. Tier A starts at 680, Tier B covers 600–679, and Tier C applies below 600. Final qualification also depends on average monthly revenue, deposit frequency, number of negative days, and existing MCA exposure. A 670 FICO with poor deposit patterns may qualify for less than a 610 FICO with strong, consistent deposits. We analyze all of these before presenting any options.
The Full Picture
What lenders actually look at
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Average Monthly Revenue
The foundation of every underwriting decision. Lenders typically fund 75–150% of monthly revenue depending on tier and program type.
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Deposit Frequency
How often money comes in matters as much as how much. Consistent daily deposits signal a healthier business than sporadic large ones.
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Negative Days
Days with a negative balance are a major red flag. More than 5–7 per month significantly reduces options and approval ceiling.
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Existing MCA Exposure
Active positions reduce approval ceilings and available lenders. Heavy stacking is one of the fastest ways to damage long-term bankability.
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FICO & Credit History
Personal credit affects rate and program access — but can be offset by strong revenue and deposit patterns at many lenders.
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Approval Ceiling
The maximum a lender will extend based on all above factors combined. We calculate this before structuring — so you're never over-leveraged from day one.
Protect Yourself
How to avoid costly funding mistakes
You're getting 50 calls a day from brokers. Here's how to tell the difference between someone who will help you and someone who will bury you.
Red Flags to Watch For
What bad brokers do — and what to ask
What happens: Brokers add 8–12 points to your factor rate without disclosing it. You think you're at 1.39 — you're actually at 1.49 or higher because of broker markup.
What to ask: "What is your compensation on this deal? Is it built into the factor rate or paid separately by the funder?"
What we do: We disclose our compensation upfront — always. No exceptions.
What happens: A broker tells you to take an unfavorable deal — high factor rate, bad terms — claiming it will "build history" with their lender and unlock a line of credit down the road. This is a manipulation tactic to get you to accept a deal you shouldn't take.
The truth: No legitimate lender requires you to take a bad deal first to qualify for better products. If a broker is saying this, they are prioritizing their commission over your financial health.
What to ask: "Can you show me in writing that this deal is tied to a future line of credit approval?"
What happens: Someone tells you to wire money upfront — before the deal is funded — in order to "activate" a line of credit portal, unlock a program, or reserve your approval. This is a scam. Full stop.
The truth: No legitimate lender or broker will ever ask you to wire money before your deal is funded. If anyone asks for an upfront wire to access capital, stop the conversation immediately.
What to do: Do not send anything. Report it. Walk away.
What happens: A broker sends you an approval offer but then asks for updated bank statements afterward. This is impossible — no legitimate lender issues an offer without first reviewing current statements. If they're asking for statements after the offer, the offer is fabricated.
The truth: Every real approval requires statements upfront. An offer without them is not a real offer — it's a tactic to get your documents and lock you into a conversation.
What to ask: "Which lender issued this approval, and can I speak with them directly?"
What happens: A broker promises you a monthly payment program but never asks for your tax returns. Every legitimate monthly or conventional program requires tax returns to verify annual revenue and business health. If they're not asking, they're either not placing a real monthly product — or they're setting you up for a bait-and-switch.
The truth: Monthly programs require documentation. No tax returns means no real monthly program.
What to ask: "Which specific lender is offering this monthly program, and what documentation do they require?"
What happens: Most MCA brokers claim to be direct lenders. They're not. This matters because direct lenders have different obligations, cost structures, and transparency requirements.
What to ask: "Who is actually funding this deal? What is their company name? Can I see the contract before submitting my statements?"
What we do: We're transparent about our role as advisors who place deals with multiple capital partners — and we disclose the funder on every deal.
What happens: Brokers present a "low" daily payment that sounds manageable — but 22 banking days per month adds up fast. A $950/day debit is $20,900/month you may not have projected.
What to ask: "What is the total monthly cash impact of this deal? Can this be structured as weekly or monthly instead?"
What we do: We always present the monthly cash impact — not just the daily number.
What happens: Some brokers coach applicants to misrepresent information on applications — changing industry codes, inflating revenue, hiding existing positions. This is fraud and creates real legal exposure for you.
What to ask: "Are you asking me to change or omit anything on this application?"
What we do: We never coach misrepresentation. We submit your deal honestly — or we don't submit it at all.
What happens: Broker places the deal, takes the commission, disappears. No plan for what comes next. You renew again in 90 days — deeper in the same cycle — with no path to lower-cost capital.
What to ask: "What's the plan after this advance? How do we work toward lower-cost financing over time?"
What we do: Every deal we structure comes with a Phase 2 and Phase 3 plan — written out clearly.
Know Your Numbers
Understanding what you're actually paying
What does a 1.49 factor rate actually cost?
If you borrow $100,000 at a 1.49 factor rate, you repay $149,000 — regardless of how quickly you pay it off. The faster you pay, the higher your effective APR. On a 6-month term, a 1.49 factor translates to roughly 98–120% APR.
What does stacking actually do to your approvals?
Each active position reduces the amount new lenders will approve and eliminates options at many funders altogether. With 2–3 active positions, your approval ceiling often drops by 40–60% and your factor rate increases significantly. Most Tier A options become unavailable entirely.
When should you NOT take MCA funding?
If you already have 2+ active positions and no consolidation path. If your monthly net after debits is already negative. If revenue is declining. If your deposits show more than 7–8 negative days per month. In any of these situations, adding capital can accelerate the damage — not solve it.
How do you know if you're being overcharged?
Ask your broker for their compensation structure on the deal. If they hesitate or refuse, that's your answer. Request the ISO agreement or disclosure. Compare the payback amount to the funded amount and calculate the factor rate yourself: payback ÷ funded = factor rate.
"If we can't improve your structure, we'll tell you."
We built this business around one idea: merchants deserve honest advice. That means sometimes the best move is to do nothing — and we'll be the first to say it.
- We analyze before we recommend
- We disclose compensation on every deal
- We explain the real cost in plain language
- We tell you when the answer is "not yet"
- We build a plan — not just a transaction
Frequently Asked Questions
Honest answers to the questions brokers avoid
If you're getting 50 calls a day, you deserve straight answers. Here are ours.
Are you a direct lender?
No — and we'll never tell you we are. We are a capital advisory firm that works with a network of vetted funding partners. This means we can shop your file across multiple lenders and find the best structure for your situation. We disclose the funding source on every deal.
How do you get paid?
We are compensated by the funding partner as an ISO (Independent Sales Organization). We disclose this compensation on every deal — the percentage, how it's structured, and how it affects your rate. No hidden points. No surprises. You will always know what we're making before you sign.
Can you beat my current offer?
Sometimes yes, sometimes no — and we'll tell you honestly either way. If your current offer is structured well and priced fairly, we'll say so. If there's room to improve the rate, term, or payment structure, we'll show you exactly where and by how much.
Should I consolidate my current positions?
It depends on your current exposure, the factor rates on existing positions, and whether consolidation options are available at your revenue level. Consolidation isn't always the right move — sometimes it adds cost rather than reduces it. We'll run the numbers both ways before making a recommendation.
Does stacking MCAs hurt my future approvals?
Significantly. Each active position reduces what new lenders will approve — often by 40–60% per position. With 2–3 active advances, most Tier A and monthly programs become unavailable. Many lenders won't fund at all with 3+ positions. This is one of the primary reasons we structure conservatively from deal one.
What if I already have 2–3 active positions?
We'll review your statements, map your current exposure, and identify whether consolidation is possible. If it is, we'll show you the cash flow improvement. If it isn't — or if it would cost more than it saves — we'll tell you honestly and outline what needs to change before your next move.
How long does a review take?
We complete our capital stress test and structure analysis within 24 hours of receiving 3 months of bank statements. We don't rush to a number — we take the time to understand your full picture before presenting any options.
What's the real cost of a 1.49 factor rate?
On a $100,000 advance at 1.49, you repay $149,000 total. If you pay that back over 6 months, the effective APR is approximately 98–120% — depending on payment frequency. Over 4 months, it's even higher. We explain this in plain terms before every deal, so you can make a genuinely informed decision.
Can I actually qualify for monthly payments?
Monthly programs typically require 650+ FICO, consistent deposits, limited negative days, and low existing MCA exposure. If you're not there yet, we build a plan to get you there — and we tell you realistically how long that takes based on your current profile.
When is it a bad idea to take funding?
When your monthly net after existing debits is already negative. When revenue is declining month-over-month. When you have 2+ positions with no consolidation path. When you have more than 8–10 negative days per month. In any of these scenarios, adding capital often accelerates the problem rather than solving it. We'll tell you this directly — even if it means no deal.
Have a question we didn't cover? We'll give you a straight answer.
Ask Us Directly
About
Built for merchants who deserve better
We're not a call center. We're not a stack-and-collect operation. We built this firm on a single belief: business owners deserve transparent, structured capital advice.
"Even when short-term funding is necessary, it should be part of a long-term plan — not the end of the conversation."
— Our Founding Philosophy
Our Philosophy
We think like underwriters — not salespeople
Before we ever quote a deal, we analyze deposits, debt load, negative days, and approval ceiling. We think in terms of what your business can sustainably support — not what generates the highest commission.
We work with a network of vetted capital partners — which means we can match you to the right structure, not just the easiest placement. And we tell you when nothing on our shelf is the right fit.
Transparency
We disclose compensation on every deal. You see the full picture before you sign anything.
Long-Term Thinking
We structure every deal with Phase 2 and Phase 3 already mapped. Not just the immediate advance.
Honest Guidance
We tell you when the answer is "not yet" — even when that means no deal for us.
Our Commitment
"We don't push daily money if monthly works better. We don't recommend funding when the numbers don't support it. We work toward long-term bankability on every single deal."
Longview Capital Advisory
Work With Us
Ready to work with someone who thinks differently?
Upload your bank statements and we'll deliver a free, confidential capital analysis within 24 hours.
Request a Free Review
Longview Capital Advisory · [email protected] · (212) 555-0192
123 Financial District, Suite 800, New York, NY 10005
Contract Review
Find out what you're really paying — and what we can save you
Upload your current MCA contract(s), tell us your deal details, and we'll review your position. We'll come back with an honest breakdown of your real cost, what restructuring could look like, and our fee — before you commit to anything.
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Step 1
Upload Contract
Share your current MCA agreement — one or multiple positions
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Step 2
Fill in Deal Details
Factor rate, current payments, and number of active positions
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Step 3
We Review
We analyze the real cost, restructuring options, and your approval ceiling
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Step 4
You Get the Truth
Estimated savings and our fee — clearly disclosed. No pressure, no obligation
What We'll Tell You
A full breakdown — before you commit to anything
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Your Real Effective Cost
We translate your factor rate into a real annual percentage so you understand exactly what you're paying — not just the number your broker gave you.
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Estimated Savings if Restructured
If a better structure is available, we'll show you the monthly cash flow difference in real dollar terms — not percentages.
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Our Fee — Disclosed Upfront
We tell you exactly how we're compensated on any restructure or new deal — before you sign. No surprises, no hidden points.
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A Path Forward
If restructuring makes sense, we outline Phase 2 and 3 — so you know where this leads, not just what changes today.
"If we can't save you money or improve your structure, we'll tell you — and there's no charge for the review."
Our Commitment
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Contract Received
We'll review your contract, run the numbers, and reach out within 24 hours with a full breakdown — including estimated savings and our fee structure.
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100% Confidential
Your contract is never shared. Used only for your personal review.
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No Obligation
We review and come back with options. You decide what happens next.
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Fee Disclosed First
You'll see exactly what we make before anything is signed. Always.