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The Future of MCA Collections

Smarter Collections for MCA Lenders, Happier Merchants for Everyone

Paydivy is a hybrid split-funding and payments platform that helps MCA companies
lend against more revenue, protect their position, and keep merchants longer—while
we handle all the merchant processing and POS work for you.

Schedule a Strategy Consultation

Fund More

First Position

Done-For-You Processing

The Problem with Today’s MCA Collections

ACH is easy. Traditional split funding is powerful. Both are incomplete.


Most MCA companies have moved to daily ACH withdrawals because they’re fast to deploy and easy to model.
But ACH alone leaves gaps: merchants can change accounts, stack multiple advances, and you’re often not
first in line when things go wrong. On the other hand, old-school split funding against just card volume is
operationally messy and limits how much you can fund.


Paydivy bridges these gaps by allowing you to underwrite against total revenue while collecting at the processing layer.
It also offers POS and payments services that increase merchant stickiness and enable ACH-based total-revenue
underwriting—without structuring an advance on total revenue, while still collecting via split funding.


Split funding requires complex coordination between lenders, processors, and merchants.

Problems with ACH Splits

  • You’re often not in true first position on funds
  • Merchants can switch bank accounts to dodge withdrawals.
  • NSF returns and bank holds interrupt collections.
  • Stop payments / account closures can shut collections down fast.
  • Daily debits don’t flex with revenue—merchants feel the squeeze.
  • Stacking is easy (multiple lenders hitting the same account)
  • Limited visibility into real-time sales performance.

Problems with Split Funding

  • You can usually lend only against card volume (not total revenue)
  • Merchants can reroute volume to a different processor/ MID.
  • Doesn’t capture non-card revenue (cash, ACH, checks, invoices)
  • Setup is operationally heavy (processor rules, boarding, splits).
  • Chargebacks/refunds reduce settlements and disrupt payback pace.
  • Settlement timing varies—forecasting collections gets messy.
  • Processor dependency creates friction (changes/outages/ integration limits).

The Solution

What Paydivy Does

A modern split-funding engine with ACH flexibility—done-for-you processing included.
Paydivy brings back the power of split funding, adds the flexibility of ACH, and wraps it inside a full payments and
POS deployment service. You stay focused on funding; we act as your in-house payments department.

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Lend Against More Revenue

Fund More

Structure advances based on total Processing revenue while still collecting via a percentage of card volume calibrated to represent the whole business.

Up to 20% more funding capacity
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True Priority Protection

First Position

Touch the money at the processor
level before it hits the merchant’s
account, even if you were originally
2nd or 3rd in the stack.

Processor-level collections
settings

Your In-House Payments Dept

Done-For-You Processing

We handle POS selection, merchant account setup, equipment deployment, training, and ongoing support—all under your brand.

24-48 hour deployment

Key Outcomes for Lenders

Transform your MCA business with measurable results

Increase margin per deal by sharing in processing revenue
Reduce defaults by 20% or more — Touch the money at the processor level before it hits the merchant’s bank account, even when you’re second or third position in the stack.
Fund better — Structure advances based on total revenue while still collecting via a percentage of card volume calibrated to represent the whole business (with ACH available as a backup option. PayDivy also allows you to collect via ACH and split funding as the backup option or do hybrid approach where a portion is ACH and the remainder is split funding ).
Improve retention and repeat business as merchants get used to your POS system and come back for future advances.
Maintain a structure that’s more compliant in certain state environments than pure ACH models.

Merchant Benefits

Why Merchants Say Yes

Paydivy isn’t just good for lenders—it creates a win-win that makes merchants eager to participate in the program.

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Modern POS System

They receive a modern POS system that often improves their operations.

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More Capital Available

They typically get more value than ACH-only structures.

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Advisor Relationship

They feel like they have an advisor, not just a lender.

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Flexible Payments

Payments flex with revenue—percentage-of-sales models help during slower periods.

Simple Process

How It Works at a Glance

A modern split-funding engine with ACH flexibility—done-for-you processing included.
Paydivy brings back the power of split funding, adds the flexibility of ACH, and wraps it inside a full payments and
POS deployment service. You stay focused on funding; we act as your in-house payments department.

01

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You Fund the Merchant

Structure advances based on total Processing revenue while still collecting via a percentage of card volume calibrated to represent the whole business.

02

home
You Refer the Merchant to Paydivy

We introduce ourselves as your in-house payments department and handle everything payments-related.

03

settings
We Set Up Processing, POS, and train your clients

We configure the split-funding percentage, any flat-dollar components, and an ACH backup clause to your specifications.

04

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You Track and Grow the Relationship

Collection flows back to you, data flows into your CRM, and your merchant keeps using the system—coming back for repeat advances.

Learn More About the Process

Ready to Transform Your MCA Operations?

Schedule a strategy consultation to see how Paydivy can help you fund more, earn more, and  protect your position.

Schedule a Strategy Consultation