Want to know the key metrics you track on a merchant cash advance deal? See attached slides for the scenarios and key metrics you want to track in a funded deal.

1. Copyright 2013. Five Components, Inc. All Rights Reserved www.mcasuite.com
MCA Suite Deal Tracking Metrics
August 2013

2. Use Case: Single MCA Deal
Contractual Stage
§ Funder funds Merchant for $1,000 at a 1.22 factor (payback $1,220).
§ Funder charges $50 administrative fee for processing the Cash Advance.
§ Funder’s actual out of pocket cash for the Deal is: $950, which is the what
Funder stands to lose if Merchant defaults immediately.
§ Funder is expected to pay $50 commission for funding the Merchant.
Post-Funding Stage
§ Merchant repaid: $555.
§ Amount outstanding for the deal is: $665.
§ Funder paid $25 in commission.
§ Cash exposure is: $395, Funder stands to lose this amount if Merchant
defaults.
§ Expected Deal Revenue (to make from the deal) is $220
§ Net Deal Revenue (minus expenses) is $245 (because only $25 of the $50
commission has been paid to a third party)
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3. New Deal Tracking Labels & Definitions For Single Deals
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Total cash
advance given to
the Merchant
Commission owed
to a third party
Expected
revenue from
the deal
Actual revenue
from the deal
Commission paid to
a third party
Total unpaid principal
from Merchant on the
current deal

4. Single Deal Tracking Equations
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Net Advance
Amount (it will be
different in a
refinance deal)
Sum of All
Scheduled Payable
Commission
Expected Payback [minus]
Net Advance Amount
[minus] Scheduled Payable
Commission
Actual Expected
Payback [minus] Net
Advance Amount
[minus] Commission
Paid
Sum of All Settled
Commission
Net Advance Amount
[minus] Amount
Repaid

5. Use Case: MCA Deal Refinance
Original Deal
§ $1,000 for $1,220 with an administration fee of $50 ($950 cash).
§ Merchant repaid $555 of the $1,220 (Amount Outstanding: $665).
§ Cash exposure is: $395 ($950 minus $555)
Refinance Scenario
§ Merchant asking for another $1,000 at 1.22 factor.
§ Funder funds Merchant for another $1,000 with a $45 administrative fee
($955 new money infusion).
§ Funder’s cash exposure after funding the refinance is $1,350 ($955 of the
new money plus $395 from the Original Deal).
§ Consolidated Deal Revenue (revenues from both deals) is: $656.30
($411.30 for the current deal plus $245 from the previous deal)
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6. Newly Refinanced Deal That Include Balance From
Previous Deal
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Total cash advance given
to the Merchant at the
time of funding (new cash
infusion plus exposure
from previous deal)
Principal owed from
previous deal
(before refinance)
The new cash
infusion provided
to the Merchant
Total cash
exposure including
refinanced deals
Total revenue for all deals
including refinanced deals
Total unpaid
principal from
Merchant on the
current deal
Newly Refinanced Deal:
New cash infusion minus
administrative fees

7. Refinanced Deal Tracking Equations
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Amount Requested
[minus] Administrative
Fees
Pulled from
previous deal at the
time of refinance
The new cash
infusion provided
to the Merchant
Total cash
exposure including
refinanced deals
Total revenue for all deals
including refinanced deals
Actual Expected Payback
[minus] Net Advance Amount
[minus ]Commission Paid
[minus] Amount Outstanding
from Previous Deal
Net Advance Amount
[minus] Amount
Repaid

8. MCA Suite Contact Information
To learn more about MCA Suite and how we can improve your merchant cash
advance operations, please contact us for a demo:
www.mcasuite.com
info@mcasuite.com
twitter.com/MCASuite
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