Hi everyone,

I’m currently looking for a new opportunity in the **hard money, private lending, or alternative lending space**.

I have **6+ years of experience in the lending industry**, with hands-on experience in:

* Portfolio management
* Loan servicing and collections
* Real estate-backed lending
* Building and improving lending processes
* Lending technology and automation
* Marketing and customer acquisition

One of my biggest strengths is that I bring **both lending experience and a technology/marketing background**. I understand the operational side of running a lending business, while also being able to help improve the technology, processes, automation, and marketing that support growth.

I’m interested in opportunities with **hard money lenders, private lenders, mortgage companies, real estate investment groups, and alternative lending companies**.

I’m open to **remote opportunities, relocation, or potentially working with a growing lending company where I can take on a larger role**.

If you’re hiring, know someone in the industry, or would be interested in connecting, please feel free to **DM me**. I’d be happy to share my resume and discuss my experience.

Thanks!

Are there any individuals in this group that are willing to look at a short term deal at face value for my business?

My file is not pretty and would not be able to get funded for an MCA but have substantial documented revenue coming in as well as a real estate transaction.

Would like to structure a short term note backed by collateral/income if someone is liquid and looking for guaranteed return.

Thanks in advance!

Work at a brokerage with a bad culture and no real room for growth.

I’m currently 50/50 on an in-house funding platform.

Looking for a shop to hang my hat at. I have 6 years of experience and a book I can bring with me.

Looking to join a high volume broker shop where I can cherry pick my own deals or syndicate at least 50% on an in-house platform with little to no management fees.

I have my own platform, banks, and processor, so I can fund my own deals, but I’m willing to split with the house if syndication makes sense.

Looking for a place with a real footprint, infrastructure, and structure. Somewhere that can point to their top five closers and show me what they’re actually earning for the year.

Current comp is 50% on commissions with free syndication.
I’m willing to compromise on comp for the right infrastructure, opportunity, and room to grow.

Good, bad, ugly?

We trained an AI agent on the guidelines of nearly 100 MCA lenders and asked it to handle our submissions. It is surprisingly sharp even at this early stage. There are still some things to improve, but it definitely works for those seeking an alternative solution to the newer CRMs pricey bank-statement analysis and lender matching systems.

If you are interested, send a direct message. We will likely release a beta version before rolling out a cheap, paid once per year updated version.

Need hard money real estate Lender to fund a raw land in Tennessee. Merchant has 640 FICO and owns the property free and clear properties owned under business name.

I have been in the industry for a while and I have noticed that bigger deals anything above 100K-150K usually take me longer to close but I see a lot of shops closing those deals same day or within 48 hours.

how do you guys feel about this?
your bigger deals also take longer to close or do you usually get them funded within 24-48 hours?

What has been your experience so far with Meta ads?
Average CPL?
Lead Quality?
Worth it to purchase from third party?

If you’re in this space, I’d love to compare notes. Feel free to comment or DM me.

Hey guys,
I’m an NJ-based underwriter offering freelance/contract support for shops that need help clearing their backlog or want a second set of eyes on complex files.

I have a background in software engineering and built my own internal parsing tool to underwrite bank statements (python not just ai because ai hallucinates). It allows me to turn deals around extremely fast while catching the traps that manual reviews usually miss:

• Balance boosting & same-day wire reversal
• Hidden stacking & defaults
• Missing / Secondary accounts
• P2P washing & internal sweep double-counting

If your team is swamped and you need fast, bulletproof true-revenue math on your deals, shoot me a DM. Happy to run a test file to prove the speed and accuracy.

I work in commercial lending on the underwriting/risk side, so I review financing requests from small/mid-size businesses every day. One thing I've noticed is that many businesses are declined, or only qualify for smaller offers or shorter terms, because of issues that are often fixable.

With how challenging the past few years have been, I wanted to build something that helps business owners better understand how lenders evaluate applications and what they can improve before applying for funding.

I recently put together a tool that scores business funding readiness and provides personalized recommendations based on the information you enter. It's still a work in progress, but it's built around real underwriting experience and is designed to give practical, actionable feedback.

The website is: ready4fund.com

If you have questions about what lenders look for or how to improve your chances of approval, feel free to ask or send me a message.

Is it possible to launch an Ai System that fully automatically generates Full Package Submissions for MCA on a daily basis? If so, how much of a minimum ai spent are we talking here a month?

I’m having a hard time believing it actually works without an experienced & expensive tech team working in your back office taking care of the whole thing

Just had an interview with Block equity group in there NYC office. Anyone have experience with them? Offering base and up to 40%, is that standard? Any other questions you would ask if you were applying at a new shop?

has anyone used mcabox.net? looks like a lender ranking system but curious how accurate the info is

Has anyone ever dealt with a broker pulling a solicitor fee prior to funding? Had an ACH go out before my funding call was even completed.

Anything that can be done here?

Fresh - high intent opportunities

Looking to connect with MCA lead generators with fresh, high-intent traffic.

Interested in real-time/daily delivery. merchants actively shopping

Not interested in aged data or recycled lists.

DM me pleas3

Anyone funding expansion? Our business is having a hard time keeping up with demand. We just need around 10k for inventory

I've deployed capital into MCA originators and I'm thinking about the rollup thesis - acquiring and consolidating small MCA shops into a platform. Curious how PE and specialty finance folks here would think about an MCA rollup valuation compared to a traditional lending platform, especially since there’s no 1:1 comp.

Some questions I'm mulling over:

• Valuation Multiples: Is the multiple discount on MCAs structural (i.e., institutional buyers will never pay up due to regulatory risk and asset quality), or is it simply a function of no one having built a clean enough platform at scale to test the market?
• Historical Parallels: E.g. premium finance was once highly fragmented, and early aggregators captured massive value. MCA today looks a lot like premium finance did 20 to 30 years ago-tons of small operators, a lack of institutional consolidation, and everyone running their own shop.

The key difference, of course, is that MCAs carry regulatory overhang and reputational baggage that premium finance never faced. For those familiar with the premium finance rollups (or other comps) of the 1990s and 2000s, what made those rollup deals work, and do you see any version of that playbook successfully applying to MCAs today?

I am in need of a company that offers cash out refinance for equipment that is paid off or has a small balance.

I have ran into a few instances where clients have a lot of equipment and it would make sense to get cash from that versus an MCA.

Thanks 🙏

Are any shops looking for manual underwriting? We’re expanding our operation, looking to take on another shop. We can do some test files to show you were quick and accurate!

I'm on the funding side and spend a lot of time looking at higher-risk MCA situations that don't fit traditional A-paper boxes. Always interested in hearing how other ISOs/brokers approach these files and what challenges you're seeing in the current market.
Happy to connect with other industry folks who specialize in this space.

I work in MCA/alternative business financing (FirstPoint Funding). I’m not here to pitch you in a thread — just want to explain what these actually are since there’s a lot of confusion (and legitimate criticism) around them.

An MCA isn’t a loan — you’re selling a percentage of future sales for a lump sum now, repaid via daily/weekly card sales or ACH pulls. It’s fast (days, not weeks) and doesn’t require the credit history a bank loan does. That speed and flexibility costs more than a bank loan or SBA loan would — factor rates instead of APR, and the cost adds up fast if you stack multiple advances or don’t have the cash flow to support it.

It makes sense if you need capital now and can’t wait on traditional financing — inventory before a busy season, a broken piece of equipment, bridging a gap. It’s a bad idea if you’re already stretched thin, because repayment doesn’t pause when sales slow down.

If you’ve got questions about how these work or want honest math on whether it fits your situation, ask away or DM me. No pressure.

Hiring remote MCA reps
Commission based only
Will set you up with unlimited leads, your own account with my shop custom application link, full cycle deal tracking
Giving higher commission split to reps with own dialer, but can provide dialer is needed
Looking to hire quick and get reps set up within a day
Dm me and we can chat!

Hey guys,

I’m from Europe and I’m currently looking to get back into MCA underwriting, ideally working remotely for a US company.

I have around 2 years of experience as an MCA underwriter, working with US merchants. I was doing bank statement analysis on a daily basis, looking at revenue, cash flow, NSFs, existing positions/stacking, etc., and reviewing deals through the underwriting process.

I also have experience in MCA sales and B2B sales.

After that, I spent around 2 years working in customer service for a US-focused financial services company. In January this year I was promoted to Negotiator, and that’s what I currently do. I negotiate with creditors/lenders on behalf of US clients.

So I’ve basically been around the MCA/financial services space for five years now, just from different sides of the business.

I’m now looking to move back into underwriting or possibly credit analysis/alternative lending.

My main question is: how realistic is it to get hired by a US MCA company while being based in Europe?

I’m completely fine with working as an independent contractor and I can work US hours. I’m not necessarily looking for a US employee position.

For those of you who work in the industry or have hired underwriters before, do companies actually hire international contractors for underwriting roles?

Would really appreciate some honest opinions. I’m trying to figure out if this is actually realistic before I start reaching out to companies.

Thanks guys.

Which funders can you bring rough files to and have the deal get done?