Why contractors use MCAs
- Long payment cycles and retainage held until project completion
- Material costs due upfront
- Gaps between projects
- Equipment purchases and repairs
The risk to customer relationships
MCA funders with UCC filings may, in some circumstances, send notices to your general contractors or property owners asking them to pay the funder directly. That can damage relationships and future bids. See what to do if a funder contacts your customers.
How we help
We review your MCAs alongside your receivables schedule, retainage and equipment obligations, and build a negotiation plan that matches when your money actually comes in.
Questions
Do lumpy project payments support a payment adjustment?
Irregular receivables are exactly what reconciliation provisions are meant to address. Documented gaps in receipts can support a request, though the funder decides.