Fragmentation: The Operating Ceiling Alternative Lenders Hit & How Automated Software Fixes It
Scaling lenders hit operating ceilings when fragmented systems fail. Learn how automated loan management software unifies workflows to drive...
Onyx IQ blog
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Onyx IQ
Mar 12, 2026
Why Manual Work Still Runs Modern Lending Operations (And What It Hides)
Manual work still drives many lending operations, from underwriting to reporting. Learn why it persists, what it hides at scale, and how modern...
Onyx IQ
Mar 12, 2026
Automated Software Beats Headcount for ROI in Lending Operations
Is your lending team the "glue" holding fragmented systems together? Learn why hiring won't fix broken operations and how automated loan management...
Onyx IQ
Mar 12, 2026
The Difference Between Growing Fast and Scaling Clean in Lending: Why Speed Alone Isn’t Enough
Growing fast is easy; scaling clean is the challenge. Learn how to move from manual effort to a unified automated loan management system to sustain...
Onyx IQ
Mar 12, 2026
The Cost of Tool Sprawl: Why Your Lending Tech Stack Is Limiting Your Scale
Is your lending tech stack holding you back? Discover how tool sprawl creates operational debt and why a unified, automated loan management system is...
Onyx IQ
Mar 12, 2026
Reflecting on Q4 2025: Why Fragmentation Strained Lending Ops and How to Fix It for 2026
Q4 exposed the limits of your lending tech stack. Discover why Q1 2026 is the time to transition to a unified, automated loan management system...
Onyx IQ
Feb 13, 2026
Financing Freelancers: MCAs and the Gig Economy
Gig workers. Freelancers. Independent workers. Read this article and discover the untapped merchant cash advance opportunities of the gig economy.
Onyx IQ
Feb 13, 2026
What Does ChatGPT Have to Say About the MCA Industry?
Read this article to learn what ChatGPT has to say about current trends in the MCA industry. Some of the answers may surprise you…
Onyx IQ
Feb 13, 2026
COVID-19 and the MCA Industry: A Retrospective Analysis
The COVID-19 pandemic forced the merchant cash advance industry to evolve. Read this article and discover how the industry adapted in times of...
Onyx IQ
Feb 13, 2026
Lending Regulation Spotlight: Merchant Cash Advance
Read this article and discover some recent updates to MCA lending regulation, including new laws in New York, Utah, Virginia, and California.
Onyx IQ
Feb 13, 2026
A Funder’s Guide to Managing MCA Defaults
Discover proactive strategies to manage merchant cash advance defaults and protect your profits, all while fostering strong merchant relationships.
Alan Quirk
Feb 13, 2026
How Digital Transformation is Driving Alternative Lending
Effective alternative lending means taking advantage of automation and digitization via the right technology solutions. Read this article to learn...
Onyx IQ
Feb 13, 2026
The Impact of Interest Rate Hikes on SME Lending
Interest rates are on the rise and if you’re a small business lender you need to be prepared. Read more to learn more.
Onyx IQ
Feb 13, 2026
Lending in the Metaverse: What Does the Future Hold?
Discover everything you need to know about the metaverse as it relates to SME lending: opportunities, risks, and what the future holds.
Onyx IQ
Feb 13, 2026
Everything MCA Funders Need to Know About the California Reporting Mandate
Discover key steps for MCA funders to adapt to California’s CCFPL, avoid penalties, and stay on track with annual reporting obligations.
Onyx IQ
Feb 13, 2026
An Onyx IQ Guide to Understanding Lending APIs
Do you have lending APIs in your SME lending software? Learn more about APIs and why they’re necessary to keep your lending business thriving.
Belén Ancurio
Feb 13, 2026
The 3 Rs in MCA Funding: Revenue, Rhythm, Reliability
Traditional loan underwriting frameworks don’t align with MCA funding. Discover how the 3 Rs can strengthen SME funding decisioning using real-time...
Onyx IQ
Feb 13, 2026
Top Merchant Cash Advance Stories: Q1 2025
From developing markets to state laws, relive the biggest MCA moments of 2024. Plus, learn how Onyx IQ can help you capitalize on these shifts in...
Onyx IQ
Feb 13, 2026
28 Alternative Lending Statistics You Need to Know
What does the future hold for alternative lending? Read this article and discover 28 eye-opening statistics. You’ll be surprised by number 5…
Onyx IQ
Feb 13, 2026
8 Best Practices for SME Lenders During a Recession
Worried about the economy? Read this article and discover 8 best practices to help you prepare your SME lending business for the coming recession.
Onyx IQ
Feb 13, 2026
How Technology Powers Underwriting for MCA Funders
Discover five ways technology is transforming underwriting for SME lenders, as well as what advice we have for the underwriters of the future.
Onyx IQ
Feb 13, 2026
Top Merchant Cash Advance Stories: Q2 2024
Get the latest merchant cash advance trends for Q2 2024: from global growth forecasts to exciting partnerships, new disclosure regulations, and more.
Onyx IQ
Feb 13, 2026
Executive Interview Series: Wall Street Funding’s Mike Dell
For the second installment of our Executive Interview Series, we sit down with Wall Street Funding’s Mike Dell to learn more about the MCA industry.
Onyx IQ
Feb 13, 2026
Top Merchant Cash Advance Stories: Q1 2023
We’re three months into 2023, and a lot is happening in the merchant cash advance industry. Here are the biggest stories of the year so far.
Onyx IQ
Feb 13, 2026
Revenue-Based Finance Coalition: An Overview
Empowering SMEs and MCA funders alike, the Revenue-Based Finance Coalition is crucial to the success of alternative financing. Read on to learn more.
Onyx IQ
Feb 13, 2026
Top Merchant Cash Advance Stories: Q2 2023
Explore Q2's key MCA news: proposed federal regulations, new state disclosure laws, and the rise of unethical debt firms.
Belén Ancurio
Feb 13, 2026
Here’s How To Scale Your MCA Funding Operation
The MCA funding market is more competitive than ever. Discover why strategic scaling is essential to thrive—and how the right tools make it possible.
Onyx IQ
Feb 13, 2026
Breaking Free From FICO: The MCA Provider Perspective
Read on to discover how MCA providers are harnessing alternative data for more accurate SME risk assessment and a more inclusive lending landscape.
Onyx IQ
Feb 13, 2026
5 Best Practices for Successful MCA Brokers
What does it take to become a top-performing MCA broker? Read on and discover five essential best practices that every broker should follow.
Onyx IQ
Feb 13, 2026
5 Best Practices for SME Funding
SME funders—want to fund more merchants faster and with less risk? Here are 5 proven best practices to enhance your alternative funding process.
Onyx IQ
Feb 13, 2026
The 5 Biggest Merchant Cash Advance Stories of 2022
Read this article and discover the biggest MCA industry stories from 2022, as well as what we think is in store for merchant cash advance in 2023
Belén Ancurio
Feb 13, 2026
Identifying Ideal MCA Clients for MCA Funders
Learn how MCA funders can find top MCA clients: Discover key industries & traits to boost your client acquisition strategy.
Onyx IQ
Feb 13, 2026
Top Merchant Cash Advance Stories: Q3 2024
Explore the latest MCA trends from Q3 2024: from big corporate moves, to new market expansions, and regulatory changes affecting SME financing.
Belén Ancurio
Feb 13, 2026
Top Merchant Cash Advance Stories: Q2 2025
Fresh state laws, federal reversals, and SBA surprises. We look at why Q2 was such a turning point for MCA—and how smart funders can lead in this new...
Alan Quirk
Feb 13, 2026
Choosing the Right Funding Platform
Is your funding platform robust enough? Discover the 5 features that it must have if you want it to help streamline and scale your funding operations.
Alan Quirk
Feb 13, 2026
Syndicated Lending and the Power of SaaS
SaaS platforms have the power to transform the loan syndication process for alternative lenders. Read this article and discover how!
Onyx IQ
Feb 13, 2026
SME Lending: How to Provide a Great Customer Experience
How would you rate your SME lending customer experience? Here is what small business owners are looking for in a lender.
Onyx IQ
Feb 13, 2026
The What, Why, and How of Business Credit Scorecards
Business credit scorecards are crucial to the success of your digital SME lending business. Read on and learn what they are and how they work.
Onyx IQ
Feb 13, 2026
3 Roadblocks to Implementing Digital-First Collections
A digital collections strategy is a must for alternative lenders in 2022. Read on to discover four common barriers to adoption and how to overcome...
Onyx IQ
Feb 13, 2026
Executive Interview Series: Onyx IQ’s Elizabeth Schuerman
Welcome to our new alternative lending executive interview series. Today, we speak with our first interviewee, Onyx IQ’s VP of Sales, Elizabeth...
Onyx IQ
Feb 13, 2026
Executive Interview Series: Carter Ledyard & Milburn’s Jacob H. Nemon
Discover the legal challenges facing the merchant cash advance industry with attorney Jacob H. Nemon, including contracts, compliance, and more!
Onyx IQ
Feb 13, 2026
Top Merchant Cash Advance Stories: Q4 2023
Fraud, legal battles, industry shifts and more–explore the top Q4 stories affecting the merchant cash advance and alternative lending landscape.
Onyx IQ
Feb 13, 2026
Beyond AI: The Future of MCA Funding Technology
Discover how emerging tech like blockchain and DeFi could revolutionize MCA funding, and how Onyx IQ can help you stay ahead in a fast-evolving...
Onyx IQ
Feb 13, 2026
Customizable vs. Out-Of-The-Box Software: An Overview for MCA Funders
Looking for a loan management software? This article takes a detailed look at the difference between customizable vs. out-of-the-box software...
Onyx IQ
Feb 13, 2026
MCA Disclosure Laws: The Costs of Non-Compliance
Read this article and discover the high stakes of non-compliance with MCA state disclosure laws (plus best practices for safeguarding your business).
Onyx IQ
Feb 13, 2026
Industry Outlook: Top Predictions for Small Business Lending
Small business lending survival hinges on the ability of lenders to evolve to meet these new demands. And leveraging new technology can help to...
Onyx IQ
Feb 13, 2026
MCA Funding: 5 Reasons Why Excel Is Bad For Business
Is Excel holding back your MCA funding business? Explore 5 reasons to ditch spreadsheets and upgrade to a smarter, more secure and automated SaaS...
Onyx IQ
Feb 13, 2026
Social Media Marketing for SME Funders: 5 Best Practices
Explore 5 key social media marketing strategies MCA funders can implement to improve engagement, grow their audience, and enhance the customer...
Onyx IQ
Feb 13, 2026
SaaS Lending Platform: A Term Glossary for Funders
Are you a funder looking for your first SaaS lending platform? Onyx IQ’s lending platform glossary will introduce you to the terms you need to know.
Onyx IQ
Feb 13, 2026
Fraud Prevention and MCA: An Overview for Funders
Detecting MCA fraud before it happens is the key to minimizing losses. Discover the right procedures and technology to keep your MCA operations safe.
Onyx IQ
Feb 13, 2026
MythBusters: Separating Fact from Fiction in MCA
Uncover the truth about merchant cash advances: Onyx IQ debunks 15 MCA myths for funders, brokers, and merchants. Read on to learn more.
Onyx IQ
Feb 13, 2026
A Comprehensive Introduction to Alternative Funding
Discover how alternative funding, including MCAs, reimagines how SMEs access capital—offering faster, more flexible solutions versus traditional...
Onyx IQ
Feb 13, 2026
The 3 Biggest Merchant Cash Advance Stories of 2024
From developing markets to state laws, relive the biggest MCA moments of 2024. Plus, learn how Onyx IQ can help you capitalize on these shifts in...
Onyx IQ
Feb 13, 2026
MCA: A Guide For Business Owners Seeking Capital
In SME financing, knowledge is power. This financial education guide will help MCA funders prepare SMEs for a successful funding experience.
Onyx IQ
Feb 13, 2026
The Top 3 SaaS Security Myths and the Power of Platform Uptime
Concerned about SaaS security for your MCA funding? You might be holding on to some outdated beliefs. Read this article and learn more.
Onyx IQ
Feb 13, 2026
AI vs. Machine Learning vs. Decision Engines for SME lenders
Read this article and learn what advanced technologies like AI, machine learning, and decision engines can offer SME lenders.
Onyx IQ
Feb 13, 2026
A Brief History of the Merchant Cash Advance Industry
Read this article and discover the evolution of the merchant cash advance industry—its history, current trends, and what the future holds.
Alan Quirk
Feb 13, 2026
Data Reporting: The Secret to Success for Alternative Lenders
Alternative lending is a financial service that lives and dies with data.
Onyx IQ
Feb 13, 2026
Funding Your First $1M MCA Deal: Best Practices
Are you an MCA funder looking to fund big-money deals? Read this article and discover some best practices for finding and funding your first $1M+...
Onyx IQ
Feb 13, 2026
10 Signs Your SME Lending Operation Needs a Tech Makeover
How long has it been since you last updated your SME lending operations? It’s time for a rebuild if you’ve noticed any of these 10 signs.
Onyx IQ
Feb 13, 2026
Software Deployment for SME Lenders: Best Practices
Today, agile software is essential for SME lending success. Discover the best practices to follow when selecting and deploying a new platform.
Belén Ancurio
Feb 13, 2026
Elevate Your MCA Funder Reputation
With competition high and trust in fintech low, MCA funders must build credibility to thrive. Discover best practices to boost your MCA funder...
Onyx IQ
Feb 13, 2026
The Role of Alternative Funding in Supporting SMEs
Learn how alternative funding helps SMEs access vital capital–and how funding platforms like Onyx IQ can automate and streamline the entire process.
Onyx IQ
Feb 13, 2026
Cybersecurity For MCA Funders: What You Need To Know
It's time to get a cybersecurity strategy in place for your MCA funding business; here’s what you need to know.
Onyx IQ
Feb 13, 2026
The Role of Alternative Lending in Supporting SMEs
Read this article and discover how alternative financing is powering the SME economy, from financing products to agile technology.
Onyx IQ
Feb 13, 2026
Does Social Credit Scoring Have a Place in SME Lending?
Is social credit scoring a valuable tool for risk analysis? Read this article and discover the potential pros and cons for SME lending.
Onyx IQ
Feb 13, 2026
MCA Funding: Balancing Automation With the Human Touch
Automation can do a lot for your merchant cash advance business; but you also need the human touch. Learn how to find the right balance between both.
Onyx IQ
Feb 13, 2026
How Seamless Onboarding Drives the Customer Experience in SME Lending
Is your digital lending onboarding process customer driven? No? Here are five tips to improve it.
Belén Ancurio
Feb 13, 2026
Why MCA Funders Need ACH Processor Redundancy
Don’t let outages halt your merchant cash advance operations. Discover how ACH processor redundancy protects MCA funding, collections, and merchant...
Onyx IQ
Feb 13, 2026
Why Automation is Essential for MCA Funders
Stop wasting time and money with manual MCA processes! Learn how automation eliminates bottlenecks, boosts growth, and gives you that competitive...
Onyx IQ
Feb 13, 2026
Top Merchant Cash Advance Stories: Q3 2023
With new state regulations and guidance from the CFPB, the MCA industry is changing rapidly. Check out the top stories from Q3 2023.
Onyx IQ
Feb 13, 2026
A Guide to Optimize Your MCA Pricing Strategy
Understanding how to optimize your MCA pricing strategy is critical for your long-term success in alternative financing. Here’s what you need to know.
Onyx IQ
Feb 13, 2026
9 Funding Tools and Solutions MCA Funders Should Be Using
Forget about paperwork and tedious manual tasks. Streamline and fortify your MCA funding business with these 9 tech tools and solutions.
Belén Ancurio
Feb 13, 2026
Understanding OCR Technology for MCA Funding
Discover how OCR technology is key to MCA funding success, converting the chaos of scanned documents into decision-making clarity.
Onyx IQ
Feb 13, 2026
Top Merchant Cash Advance Stories: Q1 2024
Legal debates. Fresh disclosure laws. Booming business figures for MCA providers. Discover the latest merchant cash advance trends and events of Q1...
Onyx IQ
Feb 13, 2026
5 Debt Collection Best Practices for SME Lenders
Are you an SME lender struggling with collections? Here are 5 debt collection best practices to help you maximize your recovery efforts.
Onyx IQ
Feb 13, 2026
Total Cost of Capital vs. APR: The Great MCA Debate
Explore how MCA disclosure laws impact merchant cash advance financing, and why Total Cost of Capital may be a better fit for transparent pricing.
Onyx IQ
Feb 13, 2026
Executive Interview Series: Merit Business Funding’s Dave Shollock
Discover the future of small business financing with Dave Shollock, a leader at the crossroads of traditional banking and alternative funding.
Onyx IQ
Feb 13, 2026
The 5 Biggest Merchant Cash Advance Stories of 2023
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Onyx IQ
Feb 13, 2026
Navigating MCA Disclosures With Onyx IQ
As more and more states implement new MCA disclosure laws, Onyx IQ offers funders with the resources they need to guide them through the regulatory...
Onyx IQ
Feb 13, 2026
Benefits of a “Win-Win” Approach to MCA Deals
Read this article to discover what a "win-win" approach to MCA deals looks like, and how it benefits both merchants and MCA providers.
Onyx IQ
Feb 13, 2026
Debt Settlement Scams: A Guide for MCA Funders
Unmasking debt settlement scams in the MCA industry: discover the potential consequences for SMEs and how to safeguard your funding business.
Onyx IQ
Nov 24, 2025
Executive Interview Series: Funder Intel’s Shane Mahabir
Read on as Shane Mahabir shares his experience and insights in the revenue-based industry—a lot has changed in the last ten years.
Onyx IQ
Nov 21, 2025
MCA Funding: How to Provide a Great Customer Experience
In the crowded MCA funding space, providing an exceptional CX is a game-changer. Learn how prioritizing it can boost your sales, profits, and...
Onyx IQ
Nov 21, 2025
E-Commerce and Merchant Cash Advances: An Overview for Lenders
The e-commerce SME lending market is rapidly growing. This article will help those merchant cash advance funders looking to serve this niche.
Onyx IQ
Nov 21, 2025
Top Merchant Cash Advance Stories: Q4 2024
Onyx IQ catches you up on the biggest MCA stories from Q4 2024, from Lindell’s lawsuits and NJ’s reform efforts to SBA advisory council updates and...