Free MCA Guide (PDF): Costs, Red Flags & Checklist

Before you sign a merchant cash advance, know what it will really cost. Our free PDF guide pulls together the most useful MCA Guide articles into one document you can read offline, print, or share with your accountant.

What’s inside the guide

1. How merchant cash advances work — factor rates, holdbacks, daily and weekly remittances, and how MCAs differ from loans.
2. Understanding factor rates — how to turn a factor rate into a total dollar cost and an approximate APR so you can compare offers on equal terms.
3. MCA red flags — the contract terms and sales tactics worth a second look before you sign, including confessions of judgment, stacking, and renewal pressure.
4. Application checklist — the documents providers commonly ask for (bank statements, ID, voided check, processing statements) so you can apply once, with everything ready.

The guide is educational. Costs and terms vary by provider and by your business’s revenue, time in business, and credit profile, and some states require cost disclosures before you sign. Always compare written offers.

Get the free PDF

Frequently asked questions

Is the guide really free?

Yes. There’s no cost and no obligation to apply for funding.

What format is it?

A PDF you can read on your phone, print, or forward to your accountant or business partners.

Will you email me?

We’ll send one email with your download link. If you later request funding offers, a specialist may contact you about that request. You can unsubscribe anytime, and we don’t sell your information.

Does reading the guide affect my credit?

No. Downloading the guide involves no application and no credit check.

Ready to compare options? Try the MCA cost calculator or see what you may qualify for.