The commercial lending landscape is changing—and not always in ways that benefit traditional banks. One of the fastest-growing threats to bank loan portfolios is the merchant cash advance (MCA), a financial product that has exploded in popularity among small and mid-sized businesses desperate for quick capital. For commercial lenders, understanding how MCAs work, how they undermine existing lending relationships, and what can be done about it is no longer a niche concern. It is essential practice.
