Tag

collections

3 insights

A labelled diagram of four stages in a borrower's path, marking the offer as the point where the total cost could be disclosed, against 60 percent of online lender borrowers reporting costs higher than expected and 32 percent at large banks.

Sixty Percent of Your Borrowers Were Surprised by the Cost. At Banks It Is Thirty-Two.

The same borrowers, the same market, a 28 point gap in whether the cost landed as expected. That difference is produced by process, which means it can be closed without touching price.
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A falling curve showing how a merchant's margin coverage of their daily holdback collapses as advances stack, passing below the break-even threshold at the second advance.

Every Lender in a Stacked Position Underwrote It Correctly

One advance takes 10 to 20 percent of daily receipts. Two or more take 30 to 40. Each funder assessed the file in front of it, and the position that kills the merchant exists only across files.
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A grid of 100 squares with 20 filled in blue, showing that commercial debt collectors recover about twenty cents on the dollar owed.

Every MCA Collections Contact Is Now a Compliance Record

Federal small-business lending data rules and roughly ten state disclosure laws have turned documented, consistent MCA collections into a compliance requirement, not just a recovery tactic.
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