[sean-nayyar]

Hey guys,

Has anyone here noticed that the market has kinda shifted from funding merchants to now helping them with stacked MCA positions either through reverse consolidation or other means like refinancing or a term loan based on collateral or something?

Or maybe I am mistaken... and MCAs are still going strong with a lot of demand? What do you guys think?

[Yankeeman07]

The words "Interest Rate" should never be used within the Merchant Cash Advance environment!

Once you’ve sold merchant cash advances for around 6 months to 1 year and you’ve understood why merchants take money at high interest rates, you can start hiring a team.

[mca2150]

Hey guys,

Has anyone here noticed that the market has kinda shifted from funding merchants to now helping them with stacked MCA positions either through reverse consolidation or other means like refinancing or a term loan based on collateral or something?

Or maybe I am mistaken... and MCAs are still going strong with a lot of demand? What do you guys think?

There are plenty of deals out there. Might need to mix up your lead sources, or your ISOs if you're a funder.

[Chambo]

When everyone goes out on their own and uses their limited funds to purchase the same leads from the same sources?

You are going to see the plethora of stacking that is out there.

The next step is, all the leads are over stacked, one pursues debt consolidation, thus screwing over the very funds they are ALSO trying to get deals funded by.

And then wonder why their submissions aren't taken seriously?

[sean-nayyar]

So basically ISO industry frowns upon reverse consolidations? or are those different from debt consolidation and refinancing/restructuring? I'm not an ISO, I just do inbound lead gen through advertising/marketing, so I am curious about what ISOs hate about debt consolidation.

[Olderguy]

I am getting a lot more calls from brokers to do hard money real estate loans for merchants that are over leveraged.

[Chambo]

So basically ISO industry frowns upon reverse consolidations? or are those different from debt consolidation and refinancing/restructuring? I'm not an ISO, I just do inbound lead gen through advertising/marketing, so I am curious about what ISOs hate about debt consolidation.

A Reverse doesn't screw the funder out of money. Debt Consolidation aims to settle for pennies on the dollar.

[abfunders]

"Consolidation" does NOT screw funders out of money.

"Consolidation" generally just means either adding debt onto debt (like a reverse) or finding real estate/factoring/etc that the merchant can take out more debt and pay off the existing debt straight away to make it monthly, or taking out more money and consolidating 2 positions (Rapid, Smart Step, PIRS, Quickstone, many others) with net 20-50-75 rules.

"Settlement" might. But "screwing" funders out of money is a relative term. What if the funders purchased more than the company is producing? And it's more worth their time to get paid back monthly faster their principal rather than drag it through BK courts for years. Many debt settlement companies are liars/cheaters/stealers, but if someone is defaulting anyway, they're entitled to an attorney who can help make sure that the funder gets paid back in a way they're comfortable with.

[Livletliv]

Tired of getting your deals killed?


Are you ready to level up your game in the lending industry? Liv Funding is on the lookout for dynamic and ambitious ISOs to join our team and embark on a journey to success together!

Start sending in your deals ASAP and well get those deals funded!

Specialize in B-D paper
We fund 1sts case by case basis
$50k/Month in Rev
1 Year Time in Business
3+ Deposits each month
Max term: 140 days
Max Funding: $500k
12 points at 1.499
Stips: DL, VC and AR

Restricted Industries:
Home Healthcare, Law Firms, Consultants, Staffing Companies, Marketing/Advertising companies, Travel Agencies, Vitamin Supplement, Financial Services

Submissions:
Submissions@livfunding.com CC Amit@livfunding.com
917-768-3099

[sean-nayyar]

"Consolidation" does NOT screw funders out of money.

"Consolidation" generally just means either adding debt onto debt (like a reverse) or finding real estate/factoring/etc that the merchant can take out more debt and pay off the existing debt straight away to make it monthly, or taking out more money and consolidating 2 positions (Rapid, Smart Step, PIRS, Quickstone, many others) with net 20-50-75 rules.

"Settlement" might. But "screwing" funders out of money is a relative term. What if the funders purchased more than the company is producing? And it's more worth their time to get paid back monthly faster their principal rather than drag it through BK courts for years. Many debt settlement companies are liars/cheaters/stealers, but if someone is defaulting anyway, they're entitled to an attorney who can help make sure that the funder gets paid back in a way they're comfortable with.

So let me ask you… if a broker originated a large MCA to consolidate multiple smaller ones, that would mean the commission they make is huge right? Or do reverse consolidations pay out fewer points? Just trying to understand how profitable it is for ISOs to even pursue reverse consolidations…

[AGuyWhoFunds]

So let me ask you… if a broker originated a large MCA to consolidate multiple smaller ones, that would mean the commission they make is huge right? Or do reverse consolidations pay out fewer points? Just trying to understand how profitable it is for ISOs to even pursue reverse consolidations…

Reverse consolidations pay out usually 8-12 points just as much as a merchant cash advance would pay. You could also go skinny meaning shaving a few points to make the deal more appetizing.
One thing about reverses is they are fairly risky and you would have to stay on top of your merchant more then funding an advance.

[sean-nayyar]

whats the turnaround time on reverse?

[AGuyWhoFunds]

Usual reverse lenders do 16-20 weeks worth of disbursements. Full term is around 150-200 business days. There are a few lenders who also disburse longer - full term longer

[FLORIDAMAN]

Tired of getting your deals killed?


Are you ready to level up your game in the lending industry? Liv Funding is on the lookout for dynamic and ambitious ISOs to join our team and embark on a journey to success together!

Start sending in your deals ASAP and well get those deals funded!

Specialize in B-D paper
We fund 1sts case by case basis
$50k/Month in Rev
1 Year Time in Business
3+ Deposits each month
Max term: 140 days
Max Funding: $500k
12 points at 1.499
Stips: DL, VC and AR

Restricted Industries:
Home Healthcare, Law Firms, Consultants, Staffing Companies, Marketing/Advertising companies, Travel Agencies, Vitamin Supplement, Financial Services

Submissions:
Submissions@livfunding.com CC Amit@livfunding.com
917-768-3099

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[sean-nayyar]

reverse mca is funded within 24 hours just like a regular one?

[DLevin]

Its the new reality in this volatile market.

We happen to be one of the few funders to offer true consolidation for better paper with the merchant needing to net 40% of our funding.

If you have a good file that is looking for a consolidation feel free to reach out to us. (Not reverse consolidation )

David Levin
29 West 36th St
New York, NY 10018
Direct 516-444-6141
Email dlevin@appfundingbeta.com

www.appfundingbeta.com
BETTER BUSINESS BUREAU® Accredited

[14Funded99]

Hey guys,

Has anyone here noticed that the market has kinda shifted from funding merchants to now helping them with stacked MCA positions either through reverse consolidation or other means like refinancing or a term loan based on collateral or something?

Or maybe I am mistaken... and MCAs are still going strong with a lot of demand? What do you guys think?

you have to remember banks aren't lending at all. there are plenty of deals out there who need private capital. sorting through the **** is a money maker too though. if data isnt your game, play the lender game ride with the times. plenty of money in consolidations or small volume deals. the economy is a wave. need to learn to f like the wall street guys.

[14Funded99]

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lmfao

[WarrenG@QFS]

If you're interested in partnering with a Top Reverse Consolidation funder (QFS Capital) I can explain how the reverse consolidations work. Shoot me an email