Merchant cash advance funding is easy.
Anyone can deploy capital.
What comes after funding creates the real risk.
Daily deductions.
Purchased receivables.
Principal versus fees.
Cash flow pressure.
Tax season surprises.
Merchant cash advance accounting keeps those risks under control. When records stay clean, businesses avoid reporting errors and lenders see accurate performance.
Our team handles merchant cash advance accounting from funding through payoff. We reconcile activity, track balances, and prepare CPA-ready books.
What Merchant Cash Advance Accounting Covers
Merchant cash advance transactions do not work like loans.
They require structured bookkeeping.
We track:
- Funded amounts
- Purchased receivables
- Daily or weekly paybacks
- Remaining balances
- Fees and financing cost
As a result, your financial reports reflect reality rather than estimates.
Merchant Cash Advance Accounting Plans
Starter Plan — $100 to $149 per Month
Designed for small MCA operations with lower volume.
- Up to 100 transactions
- Bank and credit card reconciliations
- Payroll processing for up to 3 employees
- Profit and Loss statement
- Balance Sheet
- Email support
This plan supports clean tracking for early-stage merchant cash advance activity.
Growth Plan — $300 to $449 per Month
Built for growing portfolios and higher transaction volume.
- Up to 300 transactions
- Bank and credit card reconciliations
- Payroll processing for up to 10 employees
- Profit and Loss statement
- Balance Sheet
- Cash Flow report
- Merchant cash advance funding and payback tracking
- Email and phone support
Because volume increases quickly in this stage, structured merchant cash advance accounting becomes critical.
Enterprise Plan — $500 to $2,500+ per Month
Designed for high-volume and complex merchant cash advance operations.
- 300 or more transactions
- Custom chart of accounts
- Payroll processing for 10 or more employees
- Advanced financial reporting and budgeting
- CFO-level insights and merchant cash advance cash flow management
- Priority support
Pricing depends on transaction volume and reporting complexity.
Additional Merchant Cash Advance Services
- Catch-up bookkeeping for prior months or years
Pricing ranges from $450 to $2,500 based on scope - Financial statement preparation
$100 per report
These services help stabilize books before audits, tax filings, or portfolio reviews.
Why Merchant Cash Advance Accounting Matters
Merchant cash advance activity moves fast.
Without accurate accounting, problems stay hidden.
Proper merchant cash advance accounting:
- Prevents overstated profit
- Improves cash flow visibility
- Reduces tax risk
- Supports lender and investor reporting
Clean books create control.
Get Help With Merchant Cash Advance Accounting
I&S Accounting SVCS, LLC specializes in merchant cash advance accounting and bookkeeping. We work with funders, syndicators, and businesses to keep records accurate and compliant.
Learn more about our online bookkeeping services
https://iandsaccountingsvcs.com/online-bookkeeping/
For recordkeeping standards, follow IRS business guidelines
https://www.irs.gov/businesses/small-businesses-self-employed/recordkeeping
Contact us
[email protected]
