Brokers & Harassment
How the calls work, written by someone who used to make them — and how to make them stop.
From the Notebook
we were in the backyard
A friend came by at eleven and nobody answered — we were in the backyard for Sukkot.
From the Notebook
the round closed while i stepped away
The payout round I thought was still in drafts was already paid — it closed while I stepped away for the holiday.
From the Notebook
the folder the scoreboard missed
I sat with the recruiting books for almost two hours and ruled on what we owe — and the day scoreboard still called it empty.
From the Notebook
twelve minutes later
Twelve minutes after they acknowledged the file, the certificate of no debt unlocked a deposit I had been waiting on.
From the Notebook
half an hour of being back
Confessions of an MCA Broker: the Tuesday I said I’d be back — half an hour of money stamps, a household file cleaned, and every human reply still sitting untouched.
From the Notebook
away — back tuesday
Confessions of an MCA Broker: the day I wrote “Away — back Tuesday,” cleared the desk, went dark on purpose — and the only money that moved was groceries and a letter to a rink.
From the Notebook
the month i stopped applying
Dinner Deals: the month I sent six emails, forgot to call the one man trying to help me, and wrote a sixty-thousand budget for a team that never existed — on total income of…
From the Notebook
what friday actually was
Confessions of an MCA Broker: the day my diary filed Friday as empty — and Saturday morning a second mailbox rewrote it as the fullest working day in three weeks.
From the Notebook
six weeks of good work
Confessions of an MCA Broker: three chasing letters over six weeks for a payment that had been sitting in the account since August 6 — and the three words from someone else that…
From the Notebook
the errand that felt like travelling
Confessions of an MCA Broker: the day I crossed an ocean and the only paper with my name on it was an $85 receipt for skipping an airport line — while the four-minute fix the…
From the Notebook
do not go to the airport tonight
Confessions of an MCA Broker: the day my own machines corrected my memory twice, $22,000 of invoices went out without my yes, and the airline moved the plane fifteen and a half…
From the Notebook
i wrote down my job
Confessions of an MCA Broker: the day I finally wrote my own job down in two pages — and twenty minutes later a machine turned half of it into a job advert for a stranger, while…
From the Notebook
the seats bought themselves
Confessions of an MCA Broker: a weekend where a cancelled flight bought itself a replacement, a publication week I had already declared dead mailed in its own rebuttal, and eleven…
From the Notebook
two emails with my own hands
Confessions of an MCA Broker: the day the only emails that counted were two I typed myself — and what that taught me about work that never leaves the draft folder.
From the Notebook
seven words, one typo
seven-words-one-typo
From the Notebook
What MCA Reddit Was Yelling About This Week
What are business owners and brokers saying about merchant cash advances on Reddit this week? UCC leads, MCA defense attorney warnings, and cold call trends.
From the Notebook
what mca brokers don't tell you about sba loans
sba loans offer low interest rates and long monthly terms, but brokers often talk merchants out of them to push expensive cash advances instead.
From the Notebook
how to stop 20 mca broker calls a day when you are at your breaking point
if getting 20 broker calls a day is driving you to a breaking point, take a step back. here is how to kill the noise and take control of your phone line.
From the Notebook
the mca questions merchants actually ask, answered straight
nine questions small business owners keep asking about merchant cash advances — factor rates, stacking, reconciliation, confessions of judgment, spam calls and consolidation…
From the Notebook
Ten Non-AI Skills That Multiply Your AI Power in Small Business
Mastering real-world skills like TCPA rules, factor rate math, and UCC liens allows small-business owners to get accurate, actionable results from AI tools.
From the Notebook
How can I make a TCPA claim
If MCA brokers won't stop calling your cell phone after you told them to quit, you might have a TCPA claim worth $500 to $1,500 per call. Here is how to build your paper trail.
From the Notebook
confessions of a former MCA broker, part 2: the room your phone calls come from
Ever wondered why MCA brokers call 17 times a day? A former broker reveals the truth behind commission-only boiler rooms and how to stop MCA harassment.
From the Notebook
confessions of a former mca broker: the deal i lost to a ringing phone
Learn why the National Do Not Call Registry fails small business owners and how sending targeted cease-and-desist letters stops MCA broker phone harassment.
Standing guides
The reference pages on this desk. Kept current, sourced, and dated.
Why forty brokers have your cell number
You took one advance and the phone has not stopped since. That is not a coincidence, and it is not a leak. It is a public filing, and you can go look at your own.
The pitch call, line by line
The script has about nine beats and it barely changes between shops. Here is each one, what it is for, and the sentence that ends it.
The states that make them show you the cost
A growing group of states now requires standardised, written disclosures before a commercial financing deal closes — some of them including an APR. Most owners have never been…
Where to actually file a complaint
Knowing your rights does nothing on its own. This is the map: which agency wants which problem, what each one can realistically do, and what to have in front of you before you…
Getting the calls? Shut it down.
MCAFax was built to do the thing you can't do from inside the room: make the phone stop. Check any broker against our member-built database, send cease & desist letters from your own Gmail, and build the paper trail. Some laws, like the TCPA, put statutory damages on illegal calls — whether they apply to your calls depends on your situation, and business lines get less protection than home ones. It's free, and we're not a law firm.
Join the network