Brain index
North star (set Nov 11, 2026)
Pam's ultimate goal is to drive traffic. Jim's ultimate goal is to turn traffic into apps that we can fund. Michael's ultimate goal is to get them funding. Jan, Dwight and Kelly all assist in their ways to make sure the quality of our work is outstanding. Ryan and Oscar are two really valuable AI tools for business owners and we give them away for free.
- Pam drives traffic (Notebook).
- Jim turns traffic into fundable applications (goal 25 completed a month).
- Michael gets them funded.
- Jan, Dwight and Kelly keep quality outstanding.
- Ryan (Stop the Calls) and Oscar (free CFO and Chase the Invoices) are free tools.
Pages already on MCAFax, in topic order. The line under each title is that page's own description. Same data as JSON.
Equipment finance
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Equipment & Invoice Finance
Leasing, equipment finance, factoring and A/R lines for businesses with assets to borrow against.
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How do contractors apply for equipment financing?
Equipment financing starts with a quote, new-or-used status, and loan vs lease. Package the file cleanly. Equipment financing is not an MCA.
Working capital
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How do contractors cover payroll while waiting on draws?
Working capital for contractors starts with the draw lag, retainage, and materials timing. Package the contract situation. MCAFax checks what you could apply for.
SBA loans
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How does a contractor apply for an SBA 7(a) or 504 loan?
Contractors apply for SBA 7(a) or 504 by naming the use of funds, gathering lender docs, and submitting a clean package. MCAFax does not guarantee approval.
Grants
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Are there grants for construction contractors, and how do you apply?
Grants for construction contractors are rare and program-specific. Apply at the official source. MCAFax does not award grants. We can help package what to send.
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Grants
Money you do not pay back — the programs that are real, and the ones that are a lead form.
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See grants open now
A grant is money you don't pay back. Most grants are competitive and have deadlines, so treat one as a bonus, not a plan.
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The grant that costs $499
How small business grant scams work: advance-fee "processing" demands, fake federal grant departments, social media impersonation, and where to find real grants for free.
Stop the Calls
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12 funding rings before lunch. How do you silence unknowns?
Crew-run shops can whitelist job contacts, enable carrier filters, and add a press-1 attendant so funding robocalls drop without blocking real work calls.
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28 minutes Friday: stop requests, log, then report
A weekly contractor office routine: written stop emails, a six-column log, DoNotCall.gov for personal cells, and FTC or FCC reports for repeats.
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Cease and desist letter
Letter to stop MCA broker calls, texts and emails: revoke consent, get on the do-not-call list, and ask them to delete and stop sharing your data.
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Demand letter
Template demand letter for continued MCA broker harassment or unauthorized debits after a cease and desist, with guidance on what to demand and what to leave out.
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How to stop MCA brokers from calling you
Tell each broker on the call to put your number on its internal do-not-call list. Then send the same request in writing, log every call after it, register your personal cell at DoNotCall.gov, and let a screener answer unknown numbers.
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Stop MCA Broker Calls: Lookup and AI Skill
Look up who's calling your business, then stop them. Caller lookup, the MCAFax finance skill for ChatGPT and Claude, and stop-letter templates. No signup.
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Stop the Calls, live path: did a first-result improvement land, and what usage is actually logged?
The live /stop-calls page now opens a stop-request draft after a lookup, with the skill zip as the second step. Usage counts have not been pulled and are unknown.
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Stop the Calls, Part 24: "I'm not a broker, I'm the lender." Here's how to check
A caller swears he's the direct lender, not a broker. Here are the four questions to ask by email, and the public records that show who is really on the line.
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The call and text log
Call and text log template for documenting MCA broker harassment: the fields that matter, why each one matters, and a downloadable CSV.
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The pitch call, line by line
A former MCA broker breaks down the merchant cash advance sales call beat by beat: the fake prior contact, the pre-approval, the bank statement grab, manufactured urgency, the bait and switch, and the stack pitch.
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Three skills as a new owner: what actually works, and how long to a first result?
A scripted new-owner run through Stop the Calls, Chase the Invoices and the blogging system: clicks, time to first result, and where each path broke. Small sample, n=1 per skill.
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Why forty brokers have your cell number
Why MCA brokers call you: UCC-1 filings become public record the moment you take an advance, data brokers scrape and resell them as lead lists. How to look up your own filings and reduce your exposure.
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Your Rights & the Law
TCPA, cease-and-desist letters, evidence and what protections actually apply to a business line.
Invoices
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A free CFO skill, week one: what shipped and what failed QA first
Chase the Invoices and a recalculated cost line both shipped this week, and both failed QA before they did. Here's what changed and what I can and can't claim yet.
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An invoicing mode that drafts, and never sends, until the owner says so
Oscar tested an invoicing mode that refuses to chase unsent invoices, holds near lien deadlines, and never sends without the owner's yes. Small A/B, n=10.
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Chase the Invoices
For contractors. Confirm the invoice, send a dated reminder with the amount and due date, call if there is no reply, then send a written follow-up.
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GC hasn't paid in 60 days? What a sub sends on day 1, 15, 30 and 45
A late GC invoice moves faster with a dated written schedule than with more calls. Here is what to send on day 1, 15, 30 and 45, with scripts.