Dear Business Owner,

Before considering a Merchant Cash Advance (MCA), we always recommend exploring traditional financing options such as loans, lines of credit, or private borrowing. However, if your business has ongoing funding needs and expects to secure financing multiple times over the years, our service may offer lasting value.

Why MCA.AI?

Congratulations on your recent funding! While securing financing with basic documentation is a great starting point, the alternative financing industry is evolving. Funders today look for more complete insights into businesses to offer better terms, higher amounts, and longer-term funding solutions.

At MCA.AI, we help businesses like yours build transparent, easy-to-understand profiles that go beyond standard applications. Our AI-driven platform organizes complex business information into clear summaries that investors and funding companies can review in minutes rather than hours.



Lenders typically categorize applications into three groups:

  • Yes
  • No
  • Too Complex to Understand

Our mission is to help your business stand out in the “Yes” category by providing deeper insight into your operations, financial behavior, and growth potential.



How MCA.AI Works for You:

  • Our AI platform guides you through structured questions to create a comprehensive business profile.
  • Your profile is shared with brokers and potential funders as both a PDF report and a video summary—enhancing clarity and impact.
  • MCA.AI connects business owners, brokers, and lenders in one centralized, transparent system.
  • We track key engagement metrics, such as how promptly you respond to requests from brokers or funders. This data helps funders assess borrower reliability—ensuring that responsible business owners like you receive the best rates and terms.

Important Clarification:

MCA.AI does not replace your broker. We work alongside your broker to enhance your funding application, match you with additional investors, and expand your financing options.



Getting Started:

To join the MCA.AI platform:



  • There is a one-time onboarding and profile creation fee of $4,600.
  • A $65.00 monthly maintenance fee applies to keep your profile active and updated.

Alternatively, if you secure funding of at least $4,600 through one of our partner funders, the onboarding fee is waived. In this case, your only obligation would be the monthly maintenance fee.

We look forward to helping you strengthen your financial future and secure the most favorable funding opportunities available.

Kind regards,
The MCA.AI Team