# MCA funder merchant onboarding call (typical 2026) > After contract signing, MCA funders typically conduct a 5-15 minute onboarding call covering ACH debit confirmation, reconciliation rights, payment schedule, default consequences, and portal access — recorded for compliance. The merchant onboarding call is the funder's last touchpoint before disbursement. Its purpose is partly customer-experience (welcome the merchant, set expectations) and partly compliance (capture verbal confirmation that the merchant understands the deal). As of 2026-06-29, the call is mandatory at most regulated funders and recommended at virtually all others. **Who runs the call.** - **Mid-market funders ($25M–$500M originations/yr)** — dedicated funding coordinator team. Typically the same coordinator who handled stips. - **Top-tier funders (>$500M/yr)** — separate "Welcome Team" inside customer experience. - **Small funders (<$25M/yr)** — underwriter or owner makes the call personally. **When the call happens.** After countersigned contract is received, before ACH origination. Window: 1–4 hours before funding. Some funders fund without a call for repeat merchants on small advances (<$15K) and follow up with a recorded voicemail. **Typical call duration: 5–15 minutes.** Complex deals (multi-position, reconciliation-heavy industries like trucking) can run 25+ minutes. **Call script (typical 2026 structure).** 1. **Identity verification.** "Can you confirm your full name and date of birth?" Some funders ask the last 4 of SSN — others avoid this on recorded lines. 2. **Funding amount + factor confirmation.** "We're advancing $50,000 today against $65,000 in future receivables at a 1.30 factor." Explicit verbal "yes." 3. **Daily ACH amount and schedule.** "Daily debit will be $361.11, Monday through Friday excluding bank holidays, starting Monday." Merchant repeats back. 4. **Bank account confirmation.** "We'll be debiting account ending in 4521 at Chase. Is that still the correct account?" 5. **Reconciliation rights.** Mandatory at compliant funders: "If your revenue drops materially, you have the right to request reconciliation — we'll review your bank statements and may adjust the daily debit downward for a period." Wording matters — recent CA / NY enforcement actions hinged on whether reconciliation was clearly communicated. 6. **Stacking warning.** "Taking another advance from a different funder without our written consent is a default under this contract." Stacking warning is the single most-emphasized compliance point in 2026. 7. **Default consequences.** "If a debit returns three times, this account goes to collections. UCC filing is already in place; we can also assess fees and pursue judgment against the personal guarantee." 8. **Portal access.** "You'll receive a welcome email within the hour with portal login. There you can see remaining balance, payment history, and submit reconciliation requests." 9. **Verbal welcome / soft cross-sell.** "Once you're 50% paid down, you're eligible for a renewal — typically better terms. Your funding coordinator will reach out." 10. **Q&A.** Merchant questions — most common: "Can I pay this off early?" (Answer: yes, but typically no discount on the factor — the full $65K is owed regardless of timing at most funders.) **Recording and compliance.** - Call is recorded with disclosure at start: "This call is being recorded for quality and compliance purposes." - Recordings retained 7+ years. - In CA, NY, UT, VA, GA, the APR-equivalent disclosure may be required verbally in addition to written — funders increasingly bake this into the call script. **What merchants typically misunderstand (per 2026 ISO surveys).** - "I thought I only paid if I had sales" — conflates daily ACH with card-sale split. - "I thought I could pay it off and only owe what's left" — early payoff still owes full factor at most funders. - "I didn't know reconciliation existed" — funder failed to emphasize during call. **Failure modes.** - Merchant unreachable for onboarding call — funding delayed 24–48 hours. Major ISO frustration. - Merchant requests changes during call ("Can the debit start Wednesday instead of Monday?") — typically requires re-routing through underwriting. - Merchant raises questions ISO didn't prepare them for ("Wait, the factor is 1.40?") — deal can fall apart on the call. **ISO preparation best practice.** Top ISOs hold a "pre-onboarding call" with the merchant 30 minutes before the funder's call — walk through expected questions, set verbal expectations, prevent surprises. **Variations by funder type.** - **Processor-financing (Toast Capital, Square Capital, Shopify Capital)** — no call. Fully automated, in-app confirmation. - **Bank-affiliated MCA (rare in 2026)** — longer call, 20+ minutes, includes Reg-Z-style disclosures. - **Renewal calls** — abbreviated, 3–5 minutes, focused on new terms confirmation. **Modern trends 2026.** - AI-assisted call summarization (Gong, Chorus, internal tools) auto-generates call summary for the funding file. - Some funders moving to video onboarding for >$100K deals — better identity verification. - Recorded confirmation increasingly admissible in MCA enforcement litigation. **Takeaway.** The MCA funder merchant onboarding call in 2026 is a standardized 5–15 minute recorded compliance touchpoint covering identity, funding amount, factor, daily ACH, bank account, reconciliation rights, stacking prohibition, default consequences, and portal access — mandatory at regulated mid-market and top-tier funders, abbreviated or skipped at processor-financing and small-funder shops, with the recording retained 7+ years as the legal record of merchant understanding and increasingly used in MCA enforcement litigation. ## Related terms - [MCA funder application status tracking (typical 2026)](https://fundnode.co/llms/glossary/mca-funder-application-status-tracking) — Most MCA funders track applications through 6-8 named stages (Submitted, In Underwriting, Bank Verification, Conditional Approval, Offer Sent, Contract Out, Funded, Declined) with status visible to ISOs via portal and to merchants via email triggers. - [MCA funder application notes (typical content 2026)](https://fundnode.co/llms/glossary/mca-funder-application-notes-typical) — Underwriter notes on MCA applications typically include bank-statement red flags, stip status, ISO communication log, prior-deal history, and tier-routing reasoning — visible internally and to the submitting ISO in sanitized form. - [MCA funder merchant portal (typical features 2026)](https://fundnode.co/llms/glossary/mca-funder-merchant-portal-typical-features) — Merchant portals at MCA funders typically include balance + payoff display, payment history, ACH bank-account management, reconciliation request form, document upload, statement download, renewal eligibility, and support ticketing. - [Reconciliation (MCA)](https://fundnode.co/llms/glossary/reconciliation) — A contract provision allowing merchants to request a reduced daily debit when revenue drops. Required for MCAs to remain legally a 'sale,' not a 'loan' in most states. --- Source: https://fundnode.co/glossary/mca-funder-merchant-onboarding-call (HTML version) Document: MCA funder merchant onboarding call (typical 2026) — Fundnode MCA Glossary License: CC BY 4.0 — attribution to Fundnode required when citing.