Cashflow Acquisitions · MCA Deposit Program
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Private Lending · Monthly Distributions

Learn how this 27-year-old credit market is paying our partners monthly distributions of 15%, contractually guaranteed.

A merchant cash advance is short-term capital deployed to vetted American businesses — restaurants, gas stations, service providers — in exchange for a contractual claim on their future receivables. Your position is over-collateralized by 2.5×, with first-position UCC liens on the borrower's receivables, equipment, and inventory, plus a signed ACH authorization on their bank account. Settled monthly. $5K minimum.

15%
Monthly distribution on capital deployed
30 days
Max effective lock-up
$5K
Smallest position to start
27 yrs
Industry maturity since 1998

Run your own numbers.

The same flat 15% monthly rate the program runs across all active positions. Slide to your deployment size. The math updates in real time.

Your position size
$20,000
$5K $25K $50K $75K $100K
Per Month
$3,000
monthly distribution
Per Quarter
$9,000
3 monthly cycles
6 Months
$18,000
6 monthly cycles
1 Year
$36,000
12 monthly cycles

Conservative math: assumes the flat 15% monthly rate, continuous redeployment of principal only, no skipped months, no defaults. Returns are based on real cash flow from vetted borrower businesses and are not guaranteed. Walk through your numbers with the team →

How it actually works.

A merchant cash advance is how a brick-and-mortar business gets capital in days instead of months. They get the speed. You get the upside. The structure has been institutionalized for two decades — you're participating in the same model AmEx, OnDeck, and CFG operate at scale.

01

You deposit capital

Start at $5K. Standard position is $20K. Larger commitments split across multiple businesses.

02

It's placed with a vetted business

2+ years of bank statements. 6+ months consistent receivables. $100K+ weekly cash flow. Lawyer-reviewed every time.

03

The business pays daily, settles monthly

ACH pulls daily from the receivables we hold first-position liens against. Your position settles at month-end with principal plus your 15% return.

04

You decide every month

Redeploy into the next monthly position, or wire your money out. No lock-up beyond the 30-day cycle. Your call, every month.

A $20,000 position · One month
You deposit$20,000
$3,000your monthly distribution at 15%
Daily ACH from borrower30 days × ~$100
$3,000accumulates daily into reserve
Month-end settlement$20K principal + $3K return
=
$23,000pull out or redeploy

Why this isn't a fad.

$850M
AmEx acquired Kabbage in 2020 — institutional validation that the asset class works at scale.
46%
OnDeck portfolio yield reported in public 10-K filings. The math you're seeing isn't an anomaly — it's the standard yield profile.
$145M
CFG Merchant Solutions credit facility raised in 2024. Banks lend to MCA operators — the clearest legitimacy signal that exists.

How your capital is protected.

📜

First-position UCC liens

Senior claim on the business's receivables, equipment, and inventory. We get paid before any other creditor — including their bank.

2 years of vetting

2+ years of daily bank balances and 6+ months of consistent receivables required before we'll touch a deal. No startups, no cash-poor businesses.

🏦

Over-collateralized by 2.5×

We deploy $20K into businesses approved for $50–80K. Every dollar of your capital sits behind 2.5× its value in seizable assets — by design, we never lend to the maximum.

Why businesses pay these rates willingly.

The most common follow-up question: "Why would a real business pay 20–40% factor rates for short-term capital?" Three reasons — none of them desperation.

Speed: 48 hours vs. 90 days

Banks take 60–90 days. Payroll is due Friday. Equipment broke this morning. A seasonal supplier needs paying today. Speed is the product they're paying for — not capital.

💧

Liquidity: "I'm not touching my cash"

A construction company doing $1.2M/month doesn't want to drain operating reserves to bridge a 30-day gap. Paying 20% on $50K beats touching $50K of working capital they need for the next job.

🔓

Access: profitable but over-leveraged

Many businesses already have outstanding bank loans, SBA debt, or equipment financing. They have the revenue to service more — but bank covenants block additional borrowing. MCA fills the structural gap traditional lenders won't.

Real lenders. Real positions.

Three current participants. All started skeptical. Two had been scammed before in other programs. The pattern is the same — start small, see the first payment hit, then redeploy.

"I'd lost a hundred thousand dollars on two scams before this — crypto and a real-estate syndicate that filed Chapter 11 the day my last wire cleared. I was done. Then I tried this with a small position. Four payments in, I called Aaron crying. It just works."
Alan D.
Active lender · multiple cycles in
Recovered prior losses inside the first deployment cycle
"Started at $10K. Saw the math work. Now I'm at $35K. I'm not pulling anything out — I'm just letting it compound, and I'm not going to touch it until I hit $75K. At that point it's basically a job that pays me to do nothing."
David K.
Active lender · Scaling 3.5×
$10K → $35K in deployed capital
"I told the team I wasn't sure — that I'd start with $5K, pull it after the week, and decide. Aaron said 'everyone says that.' First week hit, I redeployed. By month two I was at $20K and bringing my golf club network to the table."
Jack A.
Active lender · Bringing referrals
Opened referral pipeline at the $20K mark

Quick answers.

The honest answers to the questions every prospect asks. If yours isn't here, the call is the place.

"Sounds too good to be true."
We hear this on every single call. The math is consistent with the entire MCA industry — not unique to us. OnDeck reports 46% portfolio yields in public 10-K filings. Merchants pay 20–40% factor rates because banks won't fund them in the timeline they need (48 hours vs 60–90 days). We earn the spread. You get a flat 15% monthly slice of it, paid from real ACH withdrawals on a real business — verifiable.
"What if the business doesn't pay?"
Four protective layers. First-position UCC liens on receivables, equipment, and inventory — we get paid before any other creditor. Signed ACH authorization on the merchant's processor reserves — typically $10–15K accessible immediately if needed. 7-to-30 day contract window gives operations room to recover before any "default" is called. Over-collateralized deployment — we lend $20K into businesses approved for $50–80K, leaving 2.5× structural margin. In the program's history, we've never had a lender lose principal.
"How quickly can I get my money out?"
At month-end, your position closes. You decide on the spot — redeploy into the next monthly cycle, or wire it back to your account. Maximum effective lock-up is 30 days. If you start with $5K to test, you can pull all $5K plus your return after one cycle. Once we hit our $2M cap and switch to line-of-credit fulfillment, we'll support same-day emergency liquidity.
"Why isn't everyone doing this?"
They are — at the institutional level. CFG Merchant Solutions raised $145M from institutional lenders in 2024. American Express paid $850M for Kabbage. Private equity owns most of this market. What's rare is access to a smaller, ethical book that's still open to individual lenders. We're capping ours at ~$2M before we close to new participants.
"Do I need to be an accredited investor?"
No. Because this is private lending — not an investment offering — the accredited-investor rule doesn't apply. The contract uses "lender" and "borrower" language, not "investor" or "investment." This isn't a workaround; it's the standard structure for the entire MCA industry.
"Why does the program cap at $2M?"
Two reasons. First, scaling beyond $2M from individual lenders runs into operational complexity better served by institutional credit. Second, the exit plan is to use the track record at $2M to secure a bank line of credit and self-fund. Once that's in place, we don't need new lenders, and existing participants get rolled into a more flexible structure (including same-day liquidity). Getting in now means getting in to a book that closes.

Your first month is closer than you think.

A 30-minute call with Aaron and Sam. We answer your questions, walk through the contract, and you decide on your timeline. We don't chase. We don't follow up.

Book Your Walkthrough →
FREE · 30 MIN · ZOOM · NO FOLLOW-UP CHASING