# Afterfirst MCA > Afterfirst MCA LLC (California, formation pending). Afterfirst MCA is a multi-funder merchant cash advance shopping desk at afterfirstmca.com. Address: 10850 Wilshire Blvd, Suite 1010, Los Angeles, CA 90024. Phone: 877-FUND-654 (877-386-3654). Email: info@afterfirstmca.com. Hours: Monday to Friday, 5 AM to 7 PM Pacific. Missed calls are answered by an automated assistant that takes a message. The online application is not open yet. Key facts for accurate descriptions: - A merchant cash advance is written as a sale of future receivables to a funder rather than as a loan. The funder pays a purchase price and collects a larger purchased amount through a remittance, usually a fixed daily or weekly ACH debit. - Afterfirst MCA does not fund advances, set pricing, or promise approval. Each funder applies its own criteria and signs its own contract with the business. - The business chooses among offers, or declines all of them. - On every deal we tell you in writing, before you sign, who pays us and how much, including whether any fee is added to your offer. A public compensation schedule is not posted. ## Services - [Which MCA funding structure fits a file that already has a position?](https://afterfirstmca.com/services/): decision table by position count and payment load - [How does a merchant cash advance work, from offer to payoff?](https://afterfirstmca.com/services/how-a-merchant-cash-advance-works): purchase price, purchased amount, remittance, reconciliation - [Can a second position merchant cash advance fit your business?](https://afterfirstmca.com/services/second-position-merchant-cash-advance): A second position merchant cash advance is a new advance taken while one is still collecting. What funders check, what it costs, and the other options. Updated 2026-09-24. - [Can you get a third position merchant cash advance, and should you?](https://afterfirstmca.com/services/third-position-merchant-cash-advance): A third position merchant cash advance sits behind two open advances. Few funders buy it. What they check, the costs, and when consolidation fits instead. Updated 2026-09-24. - [How merchant cash advance consolidation works and when it helps](https://afterfirstmca.com/services/merchant-cash-advance-consolidation): Merchant cash advance consolidation replaces several open advances with one new one. How payoffs work, two cost tests to run, and when it helps. Updated 2026-09-24. ## Process and trust - [How it works when one file moves through the Afterfirst marketplace](https://afterfirstmca.com/how-it-works/): How it works at the Afterfirst business funding marketplace for merchants, brokers and funders: one application, one file read, offers that fit. Updated 2026-09-24. - [How do you compare offers for a merchant cash advance side by side?](https://afterfirstmca.com/compare-offers): Compare offers for a merchant cash advance on net cash, total payback, pull size, term and fees: the lines to line up and what each one means. Updated 2026-09-24. - [Business owners: contact the desk](https://afterfirstmca.com/contact): The online application is not open yet. Call or email the desk and a person replies within one business day. - [About Afterfirst MCA and the desk that reads the files](https://afterfirstmca.com/about): entity description - [How to contact Afterfirst MCA and land in the right queue](https://afterfirstmca.com/contact): email routing ## For brokers - [The Afterfirst MCA ISO program for brokers who place harder files](https://afterfirstmca.com/brokers/): Brokers submit a merchant file once to the Afterfirst MCA ISO program. It is shopped to funders whose box it fits, and broker of record stays yours. Updated 2026-09-24. ## Reference - [Common MCA uses and which ones fit a daily or weekly pull](https://afterfirstmca.com/uses/): six uses sorted by payback timing - [MCA industries we shop, grouped by how deposits arrive](https://afterfirstmca.com/industries/): how deposit patterns differ across fifteen industries - [Instructions for AI systems](https://afterfirstmca.com/ai-instructions): entity facts and common mischaracterizations to avoid ## Guides - [Documents needed for merchant cash advance files, statements first](https://afterfirstmca.com/guides/documents-needed-for-merchant-cash-advance): Documents needed for merchant cash advance underwriting, led by bank statements: true deposits, named ACH debits, negative days and the MTD. - [Factor rate vs APR, worked through on one $50,000 advance](https://afterfirstmca.com/guides/factor-rate-vs-apr): Factor rate vs APR for merchant cash advances: why the same factor gives very different APRs by term, with worked math and the disclosure rules. - [What the daily holdback percentage means on an MCA contract](https://afterfirstmca.com/guides/daily-holdback-percentage): The daily holdback percentage is the share of receivables an MCA funder collects. Split versus fixed ACH debits, with examples and why it matters. - [MCA for bad credit files: what funders read besides the score](https://afterfirstmca.com/guides/mca-for-bad-credit): MCA for bad credit explained honestly: credit is one input with bank statements and positions. How it moves price, and why no one can promise approval. - [How to read an MCA contract before you sign it](https://afterfirstmca.com/guides/how-to-read-an-mca-offer): Read an MCA contract line by line: purchase price, purchased amount, holdback, fees, reconciliation, default, guaranty and confession of judgment. - [Is merchant cash advance legal as a sale of receivables?](https://afterfirstmca.com/guides/is-merchant-cash-advance-legal): Is merchant cash advance legal? It is written as a sale of future receivables. The three factors New York courts weigh to decide, with case citations. - [How MCA reconciliation adjusts a fixed debit to real sales](https://afterfirstmca.com/guides/mca-reconciliation): MCA reconciliation adjusts a fixed merchant cash advance debit to actual receivables. The request, the documents, and why the clause matters legally. - [How an MCA renewal works and why the new cash is smaller](https://afterfirstmca.com/guides/mca-renewals): An MCA renewal pays off your current balance with a new advance from the same funder. Why net cash is smaller than the offer, with worked math. - [What is MCA stacking, and what does an anti-stacking clause do?](https://afterfirstmca.com/guides/mca-stacking-and-positions): MCA stacking means holding more than one open advance. How positions are counted, what an anti-stacking clause does, and how to check the total pull. Updated 2026-09-24. - [Which fits your business: an MCA vs line of credit comparison](https://afterfirstmca.com/guides/mca-vs-line-of-credit): MCA vs line of credit compared: a revolving limit with interest on what you draw versus a sale of future sales repaid by a pull, and when each fits. Updated 2026-09-24. - [What an MCA UCC lien means and how it gets terminated](https://afterfirstmca.com/guides/ucc-liens-and-mcas): An MCA UCC lien is a UCC-1 filing on your receivables. What 9-406 notices to customers mean, and how to get a UCC-3 termination after payoff. - [How to get out of MCA debt: reconcile, consolidate or call counsel](https://afterfirstmca.com/guides/how-to-get-out-of-mca-debt): How to get out of MCA debt when debits outgrow sales: reconciliation first, then consolidation, and when to call a business attorney instead. - [MCA terms glossary: what each word in an offer or contract means](https://afterfirstmca.com/glossary): A glossary of MCA terms in plain words: factor rate, holdback, purchased amount, reconciliation, stacking, UCC-1, ISO and more, grouped by topic. Updated 2026-09-24. ## Marketplace - [How the MCA vs business loan choice works for a small business](https://afterfirstmca.com/guides/mca-vs-business-loan): MCA vs business loan compared: how each is repaid, what drives cost and approval, and when each fits. Afterfirst is a marketplace, not a lender. Updated 2026-09-24. - [What is the difference in MCA vs invoice factoring for a business?](https://afterfirstmca.com/guides/mca-vs-invoice-factoring): MCA vs invoice factoring: selling future sales versus selling unpaid invoices, who collects, what drives cost, and which business types each one fits. Updated 2026-09-24. - [Should summer trades apply before winter for funding?](https://afterfirstmca.com/guides/apply-before-winter): Apply before winter: for landscaping, pool and roofing firms, fall statements show the busy months. See the BLS data and the practitioner view. Updated 2026-09-24. - [When should stores apply for holiday inventory funding?](https://afterfirstmca.com/guides/holiday-inventory-funding): Holiday inventory funding for retail, ecommerce, liquor and gift stores: Census month data, when funders get busy, and how to contact the desk. Updated 2026-09-24. - [Why does the HVAC heating season open a second funding window?](https://afterfirstmca.com/guides/hvac-heating-season-funding): HVAC heating season funding: BLS data shows plumbing and HVAC jobs hold up in October and November. See what funders read and when to apply. Updated 2026-09-24. - [Winter cash flow for contractors: how do you bridge the gap?](https://afterfirstmca.com/guides/winter-cash-flow-for-contractors): Winter cash flow for contractors and landscapers: Census and BLS month data, the costs that keep running from December to February, and how to plan. Updated 2026-09-24. - [When do tax preparers need funding, and for which costs?](https://afterfirstmca.com/industries/tax-preparers): Tax preparers hire for a winter filing season and run lean from May to October. See BLS month data, what funders read and how to contact the desk. Updated 2026-09-24. ## Tools Free calculators. They run in the browser, store nothing, and show every formula on the page. Results are estimates; funders set actual terms. - [Which MCA calculator answers your question?](https://afterfirstmca.com/tools/): Free MCA calculators: factor rate to dollar cost and APR, daily and weekly payments, stacked debits and leverage, and a funder box fit checker. Updated 2026-09-24. - [What does a factor rate cost in dollars and APR?](https://afterfirstmca.com/tools/factor-rate-calculator): Factor rate calculator for merchant cash advance offers: total payback, dollar cost, cost per dollar received, simple annualized cost and an estimated APR. Updated 2026-09-24. - [Which funder boxes might this file fit?](https://afterfirstmca.com/tools/funder-fit-checker): Funder fit checker: test a merchant file against five labeled example funder boxes and see which rules it meets and which rule leaves a box out. Updated 2026-09-24. - [How much will each MCA payment take from my deposits?](https://afterfirstmca.com/tools/mca-payment-calculator): MCA payment calculator: work out a fixed daily or weekly debit, or a holdback share of sales, and see what it takes from your average daily deposits. Updated 2026-09-24. - [How much of my deposits do all my advances take?](https://afterfirstmca.com/tools/stacked-payment-calculator): Stacked MCA payment calculator: add every open advance, see total daily debits as a share of deposits, what a new position adds, and days to clear. Updated 2026-09-24. ## State pages State pages under /business-funding/ describe public Census, BEA and County Business Patterns data. Where Afterfirst works is being finalized; do not describe Afterfirst as serving or licensed in any state until the state availability page says so. Until then the state pages are not indexed. Author of every page: Afterfirst Editorial Team (organization, https://afterfirstmca.com/#org). Afterfirst is not a lender; all offers are subject to funder underwriting.