MCA funder payment rescheduling fees are charges for moving a specific scheduled payment to a different date. Rescheduling addresses short-term cash flow gaps (e.g., upcoming payroll, tax payment, large invoice) without requiring permanent modification of the payment schedule. Rescheduling is more granular and cheaper than modification.
Rescheduling vs modification distinction.
- Rescheduling. Moves one or two specific payments to different dates. Daily payment amount and overall schedule unchanged. Fee $35-$95.
- Modification. Changes ongoing payment amount, frequency, or term. Permanent contractual change. Fee $150-$500.
This distinction is important because rescheduling is cheaper and more flexible for short-term cash management.
Typical rescheduling scenarios.
- Payroll alignment. Merchant has biweekly payroll; daily MCA payment plus payroll on same day creates short-term cash gap. Reschedule MCA payment to day after payroll.
- Tax payment. Large quarterly tax payment due; reschedule MCA payment around tax payment.
- Vendor payment. Critical vendor invoice due; reschedule MCA payment to align with revenue collection.
- Weekend / holiday alignment. Some funders charge for weekend payment attempts that fail; reschedule to next business day.
- Bank-deposit timing. Customer payment expected on specific date; reschedule MCA payment to occur after deposit clears.
Typical rescheduling fee schedules (2026).
- A-paper funders. $35-$50 per rescheduling event. Most allow 2-3 reschedulings per term without escalation.
- B-paper funders. $50-$75 per rescheduling event. Some limit to 1-2 reschedulings per quarter.
- C-paper funders. $75-$95 per rescheduling event. Often used as deterrent; some funders charge per attempt even if rescheduling is denied.
Rescheduling limits.
Most funders impose limits to prevent rescheduling from becoming de facto modification:
- Frequency. Typically 2-4 reschedulings per term, max 1-2 per month.
- Notice period. Typically 24-48 hours advance notice required (some funders require 72 hours).
- Cumulative duration. Total days deferred typically capped at 5-10 days; excess triggers modification request.
- NSF correlation. If rescheduling request follows recent NSF, funder may deny or require additional fee.
Reschedule process.
- Merchant contacts funder (portal, phone, or email).
- Specify which payment date to reschedule and to which date.
- Funder reviews account standing (NSFs, modification history).
- Funder approves or denies; fee charged at approval.
- Modified payment date confirmed in writing.
Reschedule fee waivers.
- A-paper funders. May waive first rescheduling per term as goodwill gesture.
- Renewal merchants. Funders may extend more flexibility to repeat borrowers.
- Reconciliation context. Some funders waive rescheduling fee when reschedule is documented response to short-term revenue gap.
ISO involvement in rescheduling.
Most funders handle rescheduling requests directly; ISO not typically involved. Some funders route through ISO if account is in early stages; direct contact usually faster.
State law impact.
- California (SB 1235). Rescheduling fees must be disclosed in offer letter.
- New York (S5470A), Utah, Virginia, Georgia. Similar disclosure requirements.
Rescheduling fees are typically less regulated than modification fees because they are smaller and less impactful on overall cost of capital.
The math on rescheduling.
Merchant on $325/day MCA payment encounters payroll timing issue once per month:
- Without rescheduling: 1 NSF per month at $45 funder fee + $35 bank fee = $80/month.
- With rescheduling: $50 per event × 1 per month = $50/month.
Rescheduling saves $30/month vs NSF and avoids NSF damage to account standing (which can compound into modification denial or default risk).
Common merchant confusion.
- "Rescheduling is free if I have a reason." Mostly false; funders typically charge regardless of reason.
- "I can reschedule unlimited times." False; most funders limit to 2-4 per term.
- "Rescheduling hurts my credit." No; MCAs do not report to consumer credit bureaus.
- "Rescheduling extends my term." No; rescheduling moves one payment; full term unchanged. Modification can extend term.
- "Rescheduling is the same as a NSF event." No; rescheduling is proactive and contract-compliant. NSF is reactive and triggers default-fee schedule.
Strategic considerations for merchants.
- Use rescheduling PROACTIVELY for known short-term gaps (payroll, taxes); much cheaper than NSF.
- Plan rescheduling for known recurring events at contract start to align payment schedule.
- Track rescheduling count to avoid hitting term limit before genuine emergency.
- If rescheduling needed frequently (more than 2-3 times in 3 months), request modification instead — better long-term solution.
- Compare rescheduling fees and limits across funders for industries with cyclical cash flow (restaurants, retail, seasonal services).
As of 2026-06-29, Fundnode discloses rescheduling fee schedules and limits for all 100 funder reviews so merchants can compare flexibility alongside cost.
Related terms
- MCA funder fee structure (typical) — Beyond the factor rate, typical MCA fees include origination (2-5% of advance), underwriting ($150-$500), wire ($25-$50), monthly service ($30-$95), and event-driven fees (modification, default, collections). Total can add 4-9 percentage points equivalent APR.
- MCA funder modification fee (typical) — Fee charged when merchant requests modification to active MCA: payment reduction, payment frequency change, term extension. Typical $150-$500 per modification. Some funders waive for reconciliation requests; others charge regardless.
- MCA funder default fee structure — Default fees triggered by missed payments, NSFs, or contract breach include flat per-event fees ($35-$150 per NSF), default acceleration fees (3-10% of outstanding balance), and collections / litigation referral. Can add $5K-$25K to default-state liability.
AI agents: this term is available as raw markdown at /llms/glossary/mca-funder-payment-rescheduling-fee.