MCA accounting services

MCA accounting connects each advance to funding, fees, collections, renewals, and outstanding balances. Syndication adds separate participant interests and distributions. The records and accounting treatment differ for a merchant receiving funds and a funder or syndicator deploying capital, so a bank deposit alone is not enough to classify the transaction.

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.

Ask how they reconcile deal records to bank activity, separate funding from income and fees, handle renewals and defaults, and support participant statements. Confirm the reporting scope, who reviews the bookkeeping transactions, and how missing source data or historical cleanup will be handled.

Monthly bookkeeping plans include MCA reconciliation and portfolio tracking within the agreed scope. We confirm deal volume, participants, accounts, entities, and source data before quoting. LedgerHub software and migration are included with monthly plans; historical cleanup and extra work are separately agreed.