For accountants & CPAs
Your small-business clients are getting destroyed by MCA brokers.
We built the tool that shows them the real cost — and a referral partnership if you want to share it with your clients.
The free tool
fundnode.co/calculator
Enter advance amount, factor rate, and term. Get the real daily ACH cost, total payback, and APR-equivalent. No login, no email gate, no upsell. Works on mobile. Share the link with any client looking at an MCA offer.
The conversation to have with your client
When a client tells you they're considering a $50,000 MCA at a 1.32 factor:
The broker selling the deal won't show this math. The 67% APR-equivalent isn't disclosed unless the merchant is in CA, NY, VA, or UT (where state law requires it). Federal disclosure regulation is coming, but until then, your client is reading a one-page rate sheet that hides the actual annualized cost.
When MCA is actually the right tool (and when it isn't)
Most of our use-case pages explicitly walk merchants away from MCA when it's wrong. Direct your clients to the relevant one based on their situation:
Payroll gap on Friday
Existing LOC, business credit card, factoring, owner contribution all rank above MCA. We tell them so.
IRS / state tax bill due
IRS Installment Agreement (~8% APR) beats MCA (~67% APR-equivalent) for tax debt. We recommend the IRS plan first.
Equipment broke (restaurant, trucking, construction)
Collateralized equipment financing dominates MCA on cost — 95% of cases. We route the client there.
Inventory restock before busy season
Supplier net-30/60 terms are free. We recommend asking the supplier first, before any financing.
Marketing campaign / ad spend
Business credit cards beat MCA when ROAS is unproven. We require proven ROAS before recommending MCA for ads.
When MCA actually IS the right product — A-paper merchant, short-term bridge, clear repayment path — our /qualify funnel routes them to the funder most likely to approve at the best rate. Not the funder paying the highest commission.
Referral partnership (optional)
You can share the calculator without any partnership — it's free and we don't track who sends what unless you opt in.
If you want to opt in: we'll generate a unique referral link for your firm. Any client who funds through Fundnode after clicking your link is attributed to you, and we pay a referral fee on the funded amount (typical industry range: 2-6% on MCA, lower on LOC/term-loan).
- No exclusivity required — work with other lenders / brokers too
- Weekly status email: leads sent, funded, declined, in-progress
- 1099-MISC at year end for referral fees ≥ $600
- Cancel anytime, no contracts beyond the standard ISO agreement
Interested? Email partners@fundnode.co with your firm name, primary contact, and the approximate number of small-business clients you serve. We'll send the partnership agreement + onboarding doc.
What Fundnode actually does for the merchant
- APR-equivalent shown on every quote. Not just factor rate.
- 4-step pre-qualification against revenue, TIB, NSFs, and industry — indicative pricing before any document upload.
- Route to the right funder based on the merchant's profile (Credibly for A-paper, Fundbox for LOC-eligible, Mantis for sub-600 credit, etc.) — not whoever pays the highest commission.
- Honest about when to NOT take an MCA. The use-case pages above are evidence of this. Lower short-term conversion is the price of long-term merchant trust.
- No phone-call spam. Match comes by email + SMS. Merchants control when to respond.
Frequently asked questions
- What's the referral fee structure?
- Standard ISO referral: a percentage of the funded amount, paid when the merchant funds through one of our funder partners. Exact rate depends on the funder (typically 2-6% of funded amount on MCA, lower on LOC/term-loan products). We share the per-funder breakdown once we have a signed accountant partnership. No exclusivity required.
- How do you actually attribute a lead back to my firm?
- Two ways. Either (1) a unique referral link we generate for your firm — visits + conversions are attributed via UTM tags and our PostHog + Supabase stack. Or (2) the merchant mentions your firm name in the qualification form. Either works. We send you the lead status (matched, applied, funded, declined) in a weekly email.
- Do you push my clients into MCA when it's wrong for them?
- No. Our use-case landing pages actively walk merchants away from MCA when it's a bad fit (see /fund-payroll-gap, /bridge-tax-bill, /fund-equipment — each one ranks MCA as option #5 or later in the decision tree). The goal is the merchant gets the right product, not that we maximize MCA volume. Lower short-term conversion, higher long-term trust + referral rate.
- What do I need to share with my clients to use the calculator?
- Just the link: fundnode.co/calculator. No registration, no email gate, works on mobile. Or embed the calculator on your firm's website — we ship an iframe-able version at /calculator/embed with installation instructions at /calculator/embed/install.
- What states are you live in?
- FL, TX, GA at launch. Other states are roadmap — we'll add as funder partner coverage allows. Out-of-state merchants who fill out /qualify go on a waitlist with explicit messaging that we're not active there yet.
- Are you a lender?
- No. Fundnode is an ISO referral platform — we never originate or hold paper. Funder partners (Credibly, OnDeck, Bluevine, etc.) are the underwriters of record. We're the matching layer + transparency layer between merchant and funder.
Next step
Three actions, in order of commitment
- Open the calculator — share with one client this week, no commitment to us
- Embed it on your firm's site — gives you a useful resource page for client SEO
- Email partners@fundnode.co to set up referral attribution + see funder commission table