MCA Collections & Recovery Management
When there’s money on the floor and nobody picks it up, eventually it blows away.
The same applies to recoveries. Opportunities don’t remain available indefinitely. We bring speed, persistence, and accountability to MCA collections, working every account before the opportunity to recover disappears.
- Speed
- Core principle
- Persistence
- Core principle
- Accountability
- Core principle
Our Philosophy
Straightforward by design.
Our philosophy on MCA collections is fairly straightforward: speed, persistence, accountability, and knowing how to work an account before the opportunity to recover disappears.
Speed
The first R01 or R08 should trigger immediate attention, well before an account gets away from the funder.
Persistence
Persistent communication, creative workouts, and continuous follow-through on every file, not just the easy ones.
Accountability
Actively monitoring performance, following up on files, and holding outside firms accountable.
Beyond the Handoff
Why turning files over to attorneys isn’t enough.
One thing we’ve learned over the years is that simply turning defaulted files over to attorneys doesn’t necessarily maximize recoveries. We work with collection attorneys and agencies regularly, and the results are a mixed bag.
The most successful firms are generally those that respond quickly, execute strategies promptly, and consistently follow up. Others tend to focus on the lowest-hanging fruit, while more challenging accounts receive less attention.
Internal ownership, alongside outside counsel.
This isn’t about choosing between in-house collections or handing it off to an attorney to save a contingency fee. It’s about having someone internally who takes ownership of the entire recovery process and works alongside outside counsel to drive results.
Outside counsel
Legal action, filings, judgments
Internal owner
Drives, monitors & pushes every file
Early Intervention
The first R01 (Insufficient Funds) or R08 (Payment Stopped) should trigger immediate attention.
Early intervention is especially important, well before an account gets away from the funder. It’s much like funding a merchant: the first funder to establish meaningful contact and negotiate a workable arrangement typically secures the largest share of a merchant’s limited cash flow.
R01 (Insufficient Funds)
First return. Account flagged for immediate attention.
R08 (Payment Stopped)
Merchant stops payment. Account flagged for immediate attention.
Immediately
Meaningful contact established with the merchant.
First in line
Workable arrangement negotiated before other creditors.
Multiple Strategies
Difficult accounts deserve real effort.
Successful recoveries frequently require multiple strategies, persistent communication, financial analysis, creative workouts, and continuous follow-through. Outside agencies aren’t always willing to invest that level of time, particularly on difficult accounts. Sometimes they need an internal partner who pushes for answers, challenges the approach, and makes sure opportunities aren’t being overlooked.
- ◆Multiple recovery strategies
- ◆Persistent communication
- ◆Financial analysis
- ◆Creative workouts
- ◆Continuous follow-through
Oversight & Accountability
Without oversight, how do you really know?
We recognize that not every funder operates this way. Some believe their attorneys are doing everything possible, and many are. However, without someone actively monitoring performance, following up on files, and holding outside firms accountable, how do you really know? That oversight alone can become a full-time job.
Off Ownership’s Plate
Ownership already has enough to manage.
Between marketing, deal flow, salespeople, ISOs, clawbacks, underwriting, funding, and running the business, effectively managing collections on top of everything else is a significant undertaking.
Our goal is to take that responsibility off ownership’s plate while improving the overall effectiveness of the recovery process.
Syndicator Relations
Syndicators shouldn’t be left wondering.
Syndicators regularly reach out wanting to know what’s happening with their defaulted positions. They shouldn’t be left wondering or sweating over whether anyone is actively pursuing their money.
Consistent, transparent updates on collection efforts, attorney activity, workouts, and recovery progress help maintain confidence in the funder, even when an account is difficult.
Protecting Deployed Capital
Responsible for protecting capital that’s already been deployed.
Ultimately, we see the collections manager as the person responsible for protecting capital that’s already been deployed. That means:
- ✓Engaging merchants early
- ✓Negotiating realistic resolutions
- ✓Coordinating and pushing outside attorneys and agencies
- ✓Keeping ownership informed
- ✓Making sure syndicators know their investments are receiving attention
Get Started
Opportunities don’t remain available indefinitely.
Tell us a little about your company and we’ll reach out to discuss your defaulted portfolio, your current attorney and agency relationships, and how we can improve your recoveries.
Jason DeanMCA Recoveries
✉ jason@mcarecoveries.com