River Edge Advisors provides fractional CFO and outsourced accounting for MCA funders, ISOs, bridge lenders and factoring companies. We keep the books that show funded, collected, renewed and defaulted, deal by deal and syndicator by syndicator, so you know your real cash position and not just your bank balance.
What a fractional CFO keeps track of for a funder
Funded vs collected vs defaults
A portfolio view by deal, by vintage and by ISO channel: what went out, what has come back, what is late and what has been written off.
Remittance reconciliation
Daily and weekly payments matched to deals and to the bank, with bounced and missed payments flagged during reconciliation.
Syndication & participant reporting
Participant allocations reconciled to the agreements, with consistent monthly statements for syndicators and investors.
Revenue recognition
Revenue recognition under an agreed accounting policy, with renewals, buyouts and renegotiated deals reviewed consistently.
Default & reserve accounting
Charge-offs, recoveries and reserves recorded on a clear policy, so the books reflect what the portfolio is really worth.
Cash position & lender reporting
A real cash position net of what is owed to participants, ISO commission tracking, and borrowing base packages for your credit line.
What changes in the first year
Engagements across the industries we serve: what we walked into, what we changed, and what it was worth. Read the case studies →
“Our warehouse line stopped being a monthly fire drill.”
“For the first time I know which buildings actually make money.”
“We were busiest in the location that was losing the most money.”
Questions funders ask
We bring funding, remittances, defaults, renewals and participant balances into one consistent set of books and reports. That means a portfolio view by deal, vintage and ISO channel, syndicator and investor statements on a consistent schedule, borrowing base packages for your credit line, and a real cash position net of what is owed to participants.
Yes. Our team works inside your systems and ties what they show to the general ledger and the bank, every month.
Yes. We prepare participant statements and investor reporting on a consistent schedule, so every syndicator sees their share of funded, collected and defaulted deals the same way each month.
No. We also work with bridge lenders and factoring companies, and with the funds and family offices that invest alongside them.
Funding, collections and accounting revenue are different measures. Defaults, renewals and participant balances need separate tracking, with accounting treatment based on the agreements and the applicable reporting framework.
Start with a free review of last month's books. We'll show you where funded, collected and defaulted numbers stand, and where they don't tie. Call (516) 548-1622 or email sales@riveredgeadvisors.com.
Know your real cash position, not just your bank balance
Start with one month. We'll show you where funded, collected and defaulted numbers stand, and where they don't tie.
- → Tell us about your business and the questions you want to answer.
- → We discuss what we see: where cash is going, what doesn't tie, what we'd fix first.
- → A follow-up conversation to walk through it. No obligation either way.