This week on The Art of SBA Lending, we're diving headfirst into one of the most controversial topics in small business finance: Merchant Cash Advances (MCAs). Are they a necessary lifeline—or a dangerous trap?

Ray Drew brings together a panel of experienced lenders and brokers to debate the role of MCAs in today’s lending landscape. Featuring Ryan Kroge (First Internet Bank), Joseph Alam III (Midstates Advisors), John DiCanio (Fund My Biz), and Jerry Cocuzzo (FundAll Capital), the group tackles:

➡️ The pros, cons, and misconceptions of MCA lending ➡️ Why MCAs exploded post-2008 and during COVID ➡️ The rise of “stacking” and what it’s doing to small businesses ➡️ SBA vs. MCA—what’s really faster, safer, and more sustainable? ➡️ Is regulation overdue in the MCA space?

From payday-style loans to structured SBA debt, this candid roundtable doesn’t hold back. Whether you’re team SBA, team MCA, or just trying to keep your borrowers afloat—this is one episode you don’t want to miss.

💬 What’s your take? Are MCAs helping or hurting Main Street? Drop a comment below and join the debate.

🎙This episode is sponsored by:

CORPSMART

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