How do you account for syndications?

At the funded-deal level, not the portfolio level — deal-as-entity ledger structures with factor-rate recognition tied to the funded-deal record, so participation accounting stays legible deal by deal.

How are reserves and charge-offs handled?

Reserve-release rules fire when the threshold is actually hit, and charge-off and settlement accounting is kept separate from the funded book so recoveries don't pollute it. ACH returns and chargebacks stay visible at deal-level granularity.

Have you done this before, or would I be the first?

MCA is a vertical we've built repeatable integration patterns for and shipped across shops spanning a wide range of advance volumes. The automation is downstream of the structure — get the chart right first, and classification and reconciliation become routine.

Merchant Cash Advance · Industries

Agents on the desk

pcf-categorize · transaction classification · continuous ▸ pcf-reconcile · bank / processor / GL reconciliation · daily ▸ pcf-cashflow · 13-week cash forecast · weekly refresh ▸ pcf-anomaly · anomaly watch vs. rolling baseline ▸ pcf-sales-tax · multi-state filings · prepared for CPA review ▸ close · month-end close · signed off by day 7 ▸ pcf-categorize · transaction classification · continuous ▸ pcf-reconcile · bank / processor / GL reconciliation · daily ▸ pcf-cashflow · 13-week cash forecast · weekly refresh ▸ pcf-anomaly · anomaly watch vs. rolling baseline ▸ pcf-sales-tax · multi-state filings · prepared for CPA review ▸ close · month-end close · signed off by day 7 ▸

In one paragraph

Merchant cash advance is a vertical PC Financials goes deep in — syndication accounting at the funded-deal level, factor-rate revenue recognition that survives a portfolio review, reserve-release tied to actual collections, and charge-offs kept out of the funded book.

What the GL has to handle

· Syndication participation accounting at the funded-deal level, not the portfolio level
· Factor-rate revenue recognition that survives a portfolio review
· Reserve accounting + reserve-release timing tied to actual collections
· Charge-off and settlement accounting that doesn't pollute the funded book
· ACH return tracking + chargeback flow visible at deal-level granularity

What we see in this vertical

Most MCA back-offices outgrow QuickBooks not because the volume is too high, but because the chart of accounts can’t carry the structure. A syndicated deal isn’t one entity; it’s three or four counterparties pointing at the same cash flow. The standard advice — ‘use a portfolio asset account’ — flattens the GL into something a bonding-company review can’t read.

We’ve built the integration patterns that keep MCA books legible at the deal level: deal-as-entity ledger structures, factor-rate recognition that ties to the funded-deal record (not the portfolio), reserve-release rules that fire when the threshold is actually hit, and charge-off flow that keeps the funded book and the recovery book separate. We’ve shipped this for shops across a wide range of advance volumes.

The automation work is downstream of the structure. Once the chart can carry the deal, classification and reconciliation become routine. Without the structure, no amount of agent-tuning fixes it.

Frequently asked

Why does QuickBooks stop working for an MCA shop?: Not because volume is too high, but because the chart of accounts can't carry the structure. A syndicated deal is three or four counterparties pointing at the same cash flow; the usual 'portfolio asset account' advice flattens the GL into something a bonding-company review can't read.
How do you account for syndications?: At the funded-deal level, not the portfolio level — deal-as-entity ledger structures with factor-rate recognition tied to the funded-deal record, so participation accounting stays legible deal by deal.
How are reserves and charge-offs handled?: Reserve-release rules fire when the threshold is actually hit, and charge-off and settlement accounting is kept separate from the funded book so recoveries don't pollute it. ACH returns and chargebacks stay visible at deal-level granularity.
Have you done this before, or would I be the first?: MCA is a vertical we've built repeatable integration patterns for and shipped across shops spanning a wide range of advance volumes. The automation is downstream of the structure — get the chart right first, and classification and reconciliation become routine.

Merchant Cash Advance.

Frequently asked

Vertical-specific intro.
Thirty minutes, no deck.

Frequently asked

Vertical-specific intro. Thirty minutes, no deck.

Vertical-specific intro.
Thirty minutes, no deck.