Merchant cash advance & syndication accounting

A merchant cash advance isn't a loan — it's a purchase of future receivables. It has to be recorded as a liability with the principal and the financing cost split out, and in a syndication the participation has to be tracked deal-by-deal across funders. Generic bookkeeping treats it as a single transaction, and that's where the numbers stop tying out.

Per deal and per participant: funded amount, participation percentage, collections split in that same proportion, servicing or management fees, the outstanding RTR (right-to-receive), and how any defaults are shared. We keep a deal-level ledger so every participant statement reconciles on demand.

In plain language — deferral or accelerated, depending on the deal — with factor income, fees, and commissions kept separate from principal. We tell you which method applies and why, so the financials hold up for partners, lenders, and tax time.

Yes. Business owners taking advances, funders and syndicators deploying capital, and brokers or ISOs tracking commissions and clawbacks each have different revenue-recognition and reporting needs — and we account for all three.