Who writes this, and how

Who

The Broker's Notebook is published by MCAFax. The founder spent years inside merchant cash advance shops as a broker — making the calls this publication now takes apart — and writes the first-person work here, including Confessions of a Former Merchant Broker. That work runs in his own voice, lowercase and unpolished, and is labelled as a series so you always know when you are reading a personal account rather than a reported piece.

Everything else — the guides, the funding explainers, the markets coverage — is written to newsroom standards, edited for accuracy over voice, and sourced.

How this is put together

• Primary sources, linked. When a page states a legal rule, a threshold or a dollar figure, it links to the statute, the regulation or the agency page it came from. Standing guides carry a sources list at the foot of the page.
• Dates on everything. Guides and tools show when they were last updated, because this area of law moves — several states have passed commercial financing disclosure laws in the last few years, and telemarketing rules change with FCC orders and court decisions.
• Hedged where the law is unsettled. You will see "generally", "in most states" and "where it applies" a great deal. That is not evasion. Whether a particular rule reaches a particular call to a particular line is a fact-specific question, and a publication that pretends otherwise is doing you harm.
• AI in the workflow, not in place of judgment. Some drafting and research here is assisted by AI tools. A person edits every published page, and the sourcing standard above applies regardless of how a draft started.
• Composites are labelled. Where we mark up a contract or a sales script, it is a composite of language that recurs across the industry, not a reproduction of any one company's document — and the page says so.

Corrections

If something here is wrong, tell us and we will fix it and say that we did. info@mcafax.com. Substantive corrections are noted on the page, and the updated date changes. Statutes and agency pages move constantly; a dead link or a superseded effective date is worth an email.

How MCAFax makes money, and what that means for what you read

MCAFax is building a product: a member-built database of brokers, and tooling that sends cease and desist letters from a member's own mailbox with delivery proof. The newsroom links to it. You should know that, and weigh it.

What we do not do: we are not a broker, we do not take commissions or referral fees for sending you to any funder, lender or law firm, and no page here is paid placement. If that ever changes, it will be disclosed on the page, not in a policy nobody reads.

The limits — stated plainly

MCAFax is not a law firm and does not provide legal advice. Nothing published here creates an attorney-client relationship, and nothing here can tell you whether a specific law applies to your specific calls, contract or business. Letter templates are starting points to be filled in with facts you can prove, and reviewed by a lawyer in your state when real money is at stake. Calculators produce estimates from the numbers you enter. Market data and third-party headlines are provided for general information, may be delayed, and are not investment advice.

Where we mention statutory damages — the $500 to $1,500 per-violation figures under the federal telemarketing statute, for instance — we mean the figures the statute names where it applies. Business lines get less protection than residential ones, and whether any of it reaches your situation is a question for counsel, not for a website.

Reach us

info@mcafax.com — corrections, tips, and stories from inside the rooms. If you worked in one and want to talk about it, that is the address.