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 an MCA 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 Statutes and agency pages move constantly; a dead link or a superseded effective date is worth an email.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.

MCAFax is not a broker. MCAFax may receive compensation from some providers. It does not affect our grades or what we show you.

Current products: funding estimate, Lender Reviews, Grants, Market Calls rankings, the paper portfolio vs the S&P 500, and the stop-broker-calls guide.

The AI team, with each role, SOP and copy-paste skill, is at /team.

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.