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Hi everyone, a heads up on Goldman Financial. As you know, we pay commissions same-day here at MonetaFi. On a recent deal, the merchant returned the funds and cancelled, leaving us out $9,100. We submitted the clawback debit to Goldman Financial and it was declined. Since then, we have made multiple attempts to reach them about returning the commission and haven't gotten a response. We've now escalated this to legal and will be pursuing recovery of the $9,100. Wanted everyone to have the full picture on what happened here. This is one of the risks that comes with paying commissions same-day, and we're happy to work with the ISO, but to be ghosted like this really stinks. If anyone has information that could help resolve this, please reach out. Steve Kamhi Executive Director, Strategic Partnerships, MonetaFi Website www.monetafi.com Email [email protected]

I have been a senior member on this site for years and a member since 2017. If this gets deleted or I get banned it is only because Meged is or was an advertiser. Meged has been caught on multiple occasions funding refis and add ons behind our back. Any proof needed, feel free to DM. This is not a random act. If he can do this to me, he will do it to you. You are talking about someone that has been to his house and even "friends". One situation was caught a while ago and explained away. The other one was caught recently and then after that, another situation came to light as well. Each time there was a different excuse. And each time an excuse was argued, he tried another one. On one of the deals, the refi was never paid out because the merchant was having "payment issues" but then they proceeded to fund the deal approximately seven times since.

I work for a funder. Super slow this month. Even the past few months have all had a weird trend of business slowing down. Some say this month's slowness is just a seasonal issue relating to August. Feels like more to me. Curious what others are seeing/feeling.

Would love to know if any specific funder is standing out for you? I've seen a huge decrease with CFG go downhill, awful approvals, same with a few others, but wanted to see if anyone saw the same or at least had an opinion or feedback with a more competitive approach.... thanks!

Is it just me, or has the MCA underwriting landscape completely lost its mind over the last couple of years? Looking at what’s actually hitting our desks, there’s a massive disconnect between where technology is and how lenders are operating: A-Paper "Underwriting Theater": Traditional A-paper funders are out here demanding SBA-level paperwork, endless bank verifications, and absurd stips for prime merchants. In 2026, with all the automated verification tech available, why are lenders still playing bureaucratic banker? Meanwhile, embedded lenders like Shopify, Square, PayPal, SoFi, and Amazon are funding record-breaking volumes in seconds with zero friction. They are eating the industry's lunch while traditional MCA lenders drown in paperwork. B-Paper Delusions: B-paper lenders expect B-tier merchants to magically present A-paper credit profiles and pristine financials. If you're pricing for B-paper risk, why are you demanding A-paper stips? The Myth of C & D Paper: True C & D paper barely exists in this market anymore. Most outfits claiming to "specialize in C and D paper" aren't actually funding high-risk deals—they're just backdooring merchants and harvesting data. The industry is standing still, fighting over stips, while Big Tech quietly takes over small business funding. Am I crazy, or are you guys seeing the exact same shift across the board? Let's hear it.

Heard very good things about family funding

Do you guys fund Sex offenders? (I personally, refuse to) Just curious if there's any morality left or not.

Any suggestions for Line of Credit for a restaurant that has (2) MCA's they want to take out. Direct lenders only please. Howie Dane President Funding Sources for Business [email protected] (847) 831-4118

I have a merchant as follows seeking funds today before Labor Day in order to wholesale starting next week. Profile as follows: Home-based electronics 5 months in business Average Daily Bal: $3,004 Average Monthly: $94K Average Ending: $2374 Credit 718 No prior advances I know this isn't considered A-paper due to short time in business, but who to take it to in order to get best deal & still fund today?

Anyone know what happened here? Hearing they stopped funding.

Who will fund LARGE factoring company first position?

Hi all, I've funded 4-6million dollars in Business funding but do not have what I believe to be a foundation in the Commercial finance brokerage Industry. Could anyone recommend a great starting point in this industry? Are there any training programs that's worth me looking into that actually teaches and gives knowledge about the industry? Thank you in advance.

I have my own broker shop of 8 years TIB. I am a one man shop at the moment. I've been in the industry for 12 years and worked as an employee for big name direct lenders prior to starting my own endeavor. I am signed up with a dozen various banks in the equipment finance space. I'm looking for 1099 reps that need a home for deals. I pay 50% commission and will help you close the deal if needed. A-D paper, along with a couple of reasonable options for OTR. I'm looking for genuine, trustworthy guys that are either experienced or willing to learn.

Had a deal in, merchant had a 2025 default, they gave an offer, I asked upfront if this will get killed as other funders feedback was data merch hit from a 2025 default on Pearl, and they responded with provide a ZBL, all within a few hours I get a second email the deal was "in house" already, another ISO funded it...it's all cool and glory, no hate on my end, just crazy because the merchant flat out told me she still owed Pearl 10k once asked about it, which means other ISO or the merchant forged a ZBL, and somehow they funded, and either didn't care, or UW did NOT take their job seriously and let it slide. Just crazy because in the past, if a merchant defaulted, they would always decline for "payment history with another funder" no idea why this one slid through, especially since not a big file. 40-50k month rev....so again not salty at all, glad other shop got a deal, but crazy underwriting and process when they automatically decline if there is ever a payment history/default issue.

Looking for 5-6 years equipment financing. Purchasing 30+ forklifts for somewhere around $500,000 New machines from a dealer. No defaults, no missed payments, have had many many MCA in the past. Reliable. Bizz does 5-700k a month 713 personal fico Based in NJ

I am looking for a Lender that could refi a couple of MCA loans with a Term loan 5-7 years, 750 FICO, 7MM annual Rev. If anyone can direct me to that lender, I would greatly appreciate the assistance. The loan amount seeking is 300K Plus

As a community i wonder, what are the leaders doing to help ensure this industry we all love stays for a long time. It just seems as everyone is trying to make as much money as possible while doors are still open not caring whom gets screwed. Not caring that you just stole from a father trying to provide. or a single mother working day in day out to make sure her kids get fed. I'm not the funder that's going to change the game; we aren't a big fish and never want to be. But it's very sad to see the game i believe we all love go downhill so quickly. Is this the end to MCA? Most all panic, take as much as they can and run? or are we going to do something as a community.

We’re growing the Approvd floor in Midtown and looking for experienced MCA brokers who know how to work a deal and want more room to produce. We’re really just looking for people who already know this business, are competitive, coachable, and feel like they could be producing at a higher level in the right environment. We provide leads, hands-on training/support, and a competitive floor. If you’re already in the industry and open to hearing about a different setup, shoot us a message. Or send your resume to [email protected]

Came across a video from Nick Sanders on instagram (great content btw) - hes talking about HELOCs in 72 hours, curious about this whos doing this, whats the process, what do the lenders look for (equity %, credit, paperwork etc) Can anyone shed some light on this? thank you in advance!!

Client averages 300k a month in revenue but only has 2 deposits per month. No negative days. Is this doable?

I haven’t posted here in about a year. Most of my time has gone into expanding Sussex Capital and rebuilding our platform so we could handle more volume without letting service slip. That work is now complete, and I’m glad to be back on the forum. For anyone who doesn’t know us, Sussex Capital is an independent commercial finance brokerage. We work with banks, participating SBA lenders, private credit groups, and other funding partners. We can help with conventional bank loans and lines of credit, SBA-guaranteed financing through participating lenders, traditional term loans, factoring, asset-based lending, equipment financing, and other specialty programs. Product availability, terms, and eligibility depend on the borrower, lender, and underwriting. We’re not looking to replace anyone’s primary funding relationships. We’re a good fit when you have a deal outside your usual box, a file that needs a second look, or a borrower who needs a product you don’t currently place. Once the client authorizes the introduction, our team handles the process and keeps you informed. For eligible transactions, referral compensation generally ranges from 10% to 30% of the commission Sussex Capital actually receives and may be as high as 40% on certain products. Exact compensation depends on the transaction, funding source, applicable requirements, and signed referral agreement. Not every product or program uses the same compensation structure. We also use a tiered clawback policy. Depending on the transaction, funding source, partner performance history, and written agreement, Sussex Capital may absorb a portion of certain clawbacks instead of automatically passing the full amount back to the referral partner. The signed partner agreement controls all compensation and clawback terms of course. We do this though as we understand the time it takes to put into building relationships, we want you make sure you're at least getting some sort of value even out of poorly performing deals. If you have a deal that needs another option, feel free to message me here or visit SussexCapital.biz to sign up as a referral partner. I’m looking forward to reconnecting with everyone and getting some deals done together. Contact: [email protected] Website: SussexCapital.biz

They sent 150k/32 WEEK OFFER to a merchant behind a reverse and behind and 80 and 90 day deal. Make it make sense.....Would love to know if they are going higher in dollar and longer in term behind short deals?

I have a client in Texas who owns an oil and gas distribution company. Last 3 months banks are 2mil, 35k, 5k. His average balance is 500k. He is looking for 100-200k. Is there a way he can qualify based on his ending balances? Thanks

Check the other thread. I have been a user on this site since 2017 and a senior member. Never have I posted about something like this but unfortunately it had to come to this .

Need an approval for my specialty contracting merchant. ZERO MCA HISTORY. Merch is sole owner, bought biz from brother-in-law EO-2024. 1st position. 475 credit. Sporadic revenue with balances averaging anywhere from $1.5K-$20K+. August made $90K, July $26K, June $59K, May $17.5K in deposits. Strong AR. Maybe 5 neg days past 4 months and shoots back up the next day. Merch wants to bring on more workers to take on more jobs. Can someone seriously do this?

Hey everyone, Looking for direct lenders ONLY who can fund real estate deals under 100k. I have a premium file looking to purchase a rental property $95,000 here in central FL.

Im looking to start referring merchants to brokers and earning commission. Where can I buy leads from?

I am working with a client and he is in need of a LOC to bridge while we work on his equipment leaseback deal. No interest in MCA. Client has an invoice paying in about a week of about $195,000. No revenue last two months but will paid on the invoice this month. Merchant is a farmer and the invoice is paying out on his harvest. Credit is around 675. Let me know which funders would do this based on the no revenue last two months (before June 100k/m and in most recent taxes did 2.37m).

If your a lender, dont sign up this chop shop. They have been stealing Data from Redline Capital. These guys are running a chop shop. Lenders are also complaining they dont "Chase merchants" when deals run into issues. Save yourself the deals. -Nicole Cruz CEO Redline Capital Inc

It's getting a-little insane, I'm not sure if brokers just have no shame or are accidentally attaching 50-200 funders in one email thread and sending submission. But Sean, Please release an article on how to send an email without tagging 200 funders in the same thread