Finally someone
on your side.
We show you exactly what your MCA is really costing you — free, no calls, no selling, ever.
We never call you. Ever.
Bank-level security. Your data is never sold.
Free for merchants. Funders pay us.
What Merchants Are Saying
Real Merchants,
Real Numbers
Last 30 daysMaria — Hair Salon
Miami, FL
Dropped her daily payments from $3,200 to $900 in 3 days.
Devon — Auto Body Shop
Houston, TX
Consolidated 4 advances into one and freed up $1,400 a day.
Priya — Coffee Roaster
Portland, OR
Cut her real APR from 162% to 41% without a single sales call.
The MCA Industry Report Card
We publish the truth about the MCA industry every quarter. Factor rates. Default rates. True APRs. Ranked by funder. Free for everyone.
Q2 2026 MCA Industry Report Card
The state of merchant cash advance in America
Average real APR charged in Q2 2026
156%
Merchants in danger zone
34%
Merchants who found better deals through Vorina
78%
Published quarterly. Free forever. No spam.
This Is Not A Broker.
This Is Not A Funder.
No credit pull. No commitment. Just clarity.
Finally someone
on your side.
We show business owners exactly what their MCA is really costing them — free, no calls, no selling, ever.
Good morning
Maria's Salon
Status
Safe
You're on track today.
Today out
$847
Yesterday in
$3,420
Today's move
Hold off on the inventory order until Friday — keeps cash buffer above $2k.
Sample dashboard — yours will show your real numbers.
How it works
Three steps. Then we get out of your way.
Enter your MCA positions
Add your current advances in 3 minutes. Up to 10 positions. No bank connection required.
See your real numbers
Your true daily burden, real APR, and how many days of runway you actually have. All calculated instantly.
Get your daily action plan
Every morning one clear thing to do to protect your business. No noise. No upsells. No calls.
True Cost Calculator
See what your MCA is really costing you.
Type the numbers. Results update instantly. No signup, no download.
Most MCA payments are daily. Some funders offer weekly. Select yours to see your real cost.
Enter your borrowed amount and factor rate to see your true cost.
Merchant stories
Real owners. Real numbers.
Restaurant, Chicago
"I had no idea I was paying $4,200 a day combined. Seeing that number changed everything."
Saved $2,800 per day
Auto Repair, Houston
"First time in 2 years I actually understood what I signed."
Identified $34,000 in unnecessary costs
Hair Salon, Miami
"They never once called me or tried to sell me anything. That alone made me trust it."
Consolidated 3 advances into 1
Grocery Store, New York
"I was in default and thought I had no options. I had 3."
Settled for 40 cents on the dollar
Landscaping, Phoenix
"My accountant couldn't believe something this clear didn't exist already."
Dropped daily burden by 61%
Coffee Roaster, Portland
"Cut my real APR from 162% to 41% without a single sales call."
APR cut by 121 points
We publish the truth about the MCA industry every quarter.
Factor rates. Default rates. True APRs. Ranked by funder. Free for everyone.
Q2 2026 MCA Industry Report Card
The state of merchant cash advance in America
Average real APR charged in Q2 2026
156%
Merchants in danger zone
34%
Merchants who found better deals through Vorina
78%
Published quarterly. Free forever. No spam.
The only platform in MCA built for the merchant — not the funder.
No calls. No selling. No leads sold to brokers. Just clarity, every morning, on your phone.