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 blog
Explore insights on lending operations, automation, underwriting workflows, and portfolio management from the Onyx IQ team.
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- Merchant Cash Advance (MCA)
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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
Dec 15, 2025
What Multi-State Disclosure Laws Really Mean for MCA and Alternative Lenders
Multi-state disclosure laws introduce significant workflow challenges for MCA and alternative lenders. See how automation reduces risk and keeps...
Onyx IQ
Dec 15, 2025
The Cost of Getting Compliance Wrong in Alternative Lending
Compliance in alternative lending is becoming more complex and costly. Learn how small misses trigger major penalties and how system-level controls...
Onyx IQ
Dec 11, 2025
Introducing Onyx IQ Scorecards: The First No-Code, Real-Time Underwriting Engine Built for Modern Funders & Lenders
Meet Onyx IQ Scorecards, a no-code automated underwriting software that delivers real-time, consistent credit decisions and removes 90% of manual...
Onyx IQ
Dec 10, 2025
Scaling Landing Operations: How to Go From 10 Deals a Week to 100 Without Extra Headcount
Scaling lending operations requires stronger infrastructure, not more staff. Learn how lenders remove friction, cut rework, and increase volume...