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Entry Level Mca Underwriter Jobs (NOW HIRING)

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Entry Level Mca Underwriter information

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$32.5K

$78.9K

$139.5K

How much do entry level mca underwriter jobs pay per year?

As of Jul 14, 2026, the average yearly pay for entry level mca underwriter in the United States is $78,878.00, according to ZipRecruiter salary data. Most workers in this role earn between $61,000.00 and $87,000.00 per year, depending on experience, location, and employer.

Will AI replace underwriting?

AI is increasingly used in underwriting to automate data analysis and risk assessment, improving efficiency and consistency. However, human underwriters still play a vital role in complex decision-making, customer interaction, and applying judgment that AI cannot replicate fully. Entry-level MCA underwriters may need to develop skills in AI tools and data analysis to stay relevant in the evolving field.

What are some common challenges faced by entry level MCA underwriters, and how can they be addressed?

Entry level MCA (Merchant Cash Advance) underwriters often face challenges such as evaluating risk with limited financial history, managing high application volumes, and quickly learning industry-specific underwriting criteria. To address these, it's important to develop strong analytical skills, seek mentorship from experienced team members, and stay updated on trends in small business finance. Many organizations also provide structured training programs and collaborative team environments to help new underwriters build confidence and proficiency.

What are Entry Level MCA Underwriters?

Entry Level MCA (Merchant Cash Advance) Underwriters are professionals who evaluate and assess applications from small businesses seeking merchant cash advances. They review financial documents, analyze creditworthiness, and determine the level of risk associated with funding applicants. At the entry level, underwriters often focus on verifying documentation, following established criteria, and assisting senior underwriters in decision-making. Their work ensures that lenders provide funding to qualified businesses while minimizing risk. This role is ideal for those interested in finance, risk analysis, and business lending.

Do MCA brokers make good money?

Entry level MCA underwriters typically earn a salary that varies based on experience and location, with starting salaries often between $40,000 and $60,000 annually. Commissions or bonuses may also be part of the compensation package, especially if they are involved in client acquisition or deal approval. Overall, earnings can increase with experience and skill development in credit analysis and underwriting tools.

What are the key skills and qualifications needed to thrive as an Entry Level MCA Underwriter, and why are they important?

To thrive as an Entry Level MCA Underwriter, you need strong analytical skills, attention to detail, and a foundational understanding of financial statements and risk assessment, typically supported by a bachelor’s degree in finance, business, or a related field. Familiarity with underwriting software, CRM systems, and Microsoft Excel is commonly expected. Excellent communication, critical thinking, and organizational skills help you effectively evaluate applications and collaborate with clients or team members. These skills are crucial for accurately assessing risk, ensuring compliance, and maintaining efficiency in the MCA underwriting process.

What is the difference between Entry Level Mca Underwriter vs Entry Level Business Analyst?

AspectEntry Level Mca UnderwriterEntry Level Business Analyst
Required CredentialsTypically a bachelor's degree in finance, economics, or related field; certifications like CPCU or ARM are a plusBachelor's degree in business, finance, or related field; certifications like CBAP are common
Work EnvironmentFinancial institutions, lending companies, or MCA providersCorporate offices, consulting firms, or financial services
Employer & Industry UsageUsed in industries focused on merchant cash advances and lendingUsed across various industries for process improvement and data analysis

While both roles require a finance-related degree, Entry Level Mca Underwriters focus on assessing merchant cash advance applications, whereas Entry Level Business Analysts analyze business processes and data to support decision-making. The roles differ in their specific industry focus but share similar entry-level credentials and work environments.

What is an MCA underwriter?

An MCA (Merchant Cash Advance) underwriter evaluates the creditworthiness of businesses applying for merchant cash advances. They analyze financial data, sales history, and risk factors to determine approval and funding amounts, often using specialized software and financial analysis skills. This role requires understanding of cash flow and credit assessment processes.

Can you get a job as an underwriter with no experience?

Entry level underwriters can often start with little to no experience if they have relevant education, such as a degree in finance or related fields, and demonstrate strong analytical skills. Employers may provide on-the-job training and look for candidates with good communication, attention to detail, and proficiency in underwriting software. Certifications like the Chartered Property Casualty Underwriter (CPCU) can also improve job prospects for beginners.
More about Entry Level Mca Underwriter jobs
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Entry Level Mca Underwriter jobs near you
Infographic showing various Entry Level Mca Underwriter job openings in the United States as of July 2026, with employment types broken down into 1% Locum Tenens, 86% Full Time, 12% Part Time, and 1% Contract. Highlights an 96% Physical, 1% Hybrid, and 3% Remote job distribution, with an average salary of $78,878 per year, or $37.9 per hour.
Merchant Cash Advance (MCA) Funding Specialist / Account Executive

Merchant Cash Advance (MCA) Funding Specialist / Account Executive

NETO CAPITAL LLC

Sunny Isles, FL • On-site

$28 - $100/hr

Full-time

Posted 3 days ago

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Job description

Location: Sunny Isles Beach, Florida (On-Site)
Company: Neto Capital
Employment Type: Full-Time
Working Hours: 9:30AM–5:30PM
Start Date: Immediate / Based on availability

Position Overview

We're looking for a driven, goal-oriented Funding Specialist / Account Executive to join Neto Capital's sales team. This is a fast-paced, relationship-driven, high-earning role at the center of our business — built for people who want to control their own paycheck and grow into leadership.

As a Funding Specialist, you'll consult with small and mid-sized business owners across the country, understand their capital needs, and match them with the right funding amount and terms. You'll work a robust pipeline of warm, high-intent leads, use our AI-powered tools to work smarter than the competition, and build lasting relationships that turn into repeat funding and renewals.

We provide the technology, the data, the leads, the training, and the environment. You bring the hunger.

Key Responsibilities

  • Consult with small and mid-sized business owners across the country to understand their capital needs and financial goals.
  • Analyze merchant financial profiles and match businesses with the right funding structure, amount, and terms.
  • Leverage the company's AI and technology tools to identify the best opportunities, sharpen your pitch, and close deals faster than the competition.
  • Manage a robust pipeline using our provided high-intent warm leads and targeted outbound data.
  • Guide business owners through the application and funding process from first contact to funded deal.
  • Build and maintain relationships with business owners to secure repeat funding and renewals.
  • Work closely with underwriting and operations to move deals through quickly and accurately.
  • Consistently hit and exceed activity, pipeline, and funding targets.
  • Maintain accurate notes, pipeline status, and documentation in the company's CRM.
  • Bring energy to a tight-knit, competitive, celebratory team every single day.

Requirements

  • Full-time availability, on-site, Monday–Friday.
  • A strong, goal-driven, competitive mindset — you're motivated by hitting targets and out-earning your last paycheck.
  • For experienced roles: 2+ years of direct MCA funding experience (funding volume history is a major plus).
  • For entry-level roles: No MCA experience required — bring exceptional communication skills, grit, and a hunger to win.
  • Strong phone presence, persuasive communication, and active listening skills.
  • A professional presence suited for an upscale corporate environment.
  • Comfort working in a fast-paced, high-volume sales environment.
  • Openness to technology and AI as tools to sell smarter — this is core to how we work.
  • A team-first attitude — we celebrate each other's wins and push each other to do better.

Nice to Have

  • Prior experience in MCA, business funding, lending, or alternative finance.
  • Background in high-volume phone sales, inside sales, or B2B sales.
  • Existing book of business or industry relationships (for experienced candidates).
  • Familiarity with CRM platforms and sales tools.
  • Track record of hitting or exceeding sales quotas.

Who You Are

  • You're competitive, self-motivated, and driven by results and earning potential.
  • You're goal-oriented and treat targets as the floor, not the ceiling.
  • You're a strong communicator who builds trust fast and handles objections with confidence.
  • You have grit and a thick skin — you don't get rattled by a "no."
  • You embrace technology and AI as your edge to work smarter and sell more.
  • You're coachable, open to feedback, and always sharpening your pitch.
  • You want real income potential and a clear path to grow into leadership.

Why Join Neto Capital?

  • We're a fintech company, not a brokerage. Get the market's best AI and technology tools to close more deals — an edge our competitors simply don't have.
  • Uncapped commission. Earning potential of $28–$100+/hour, driven entirely by your performance — with an optional base depending on experience.
  • Bonuses on top of commission. We reward strong performers beyond the standard payout.
  • We invest in your success. Warm leads, elite training, coaching, and top-tier technology — we give you everything you need to win.
  • A real career path. We promote from within: Sales Rep → Team Lead → Manager and beyond. We want to watch you grow.
  • A strong, high-energy environment. A supportive, competitive, celebratory team culture where your wins are the whole company's wins.

We're looking for driven, goal-oriented people ready to build a real career in fintech and business funding.

Company Description

Neto Capital is a fast-growing fintech company operating in the U.S. small business financing space. We're not a brokerage — we're a technology company that funds businesses. We combine financial and operational expertise with data, automation, and cutting-edge AI/ML to make funding faster, smarter, and more transparent.
Here's what makes us different: most MCA shops win on volume and grind. We win on technology. Our sales team gets access to the best AI and tech tools on the market — the kind that surface the right merchants, sharpen your pitch, and move deals to funded faster than anyone else in the industry. While our competitors hand reps a dialer and a list of dead leads, we hand you a real edge. You still bring the drive — but here, your drive is multiplied by tools that actually help you win.
Neto Capital operates in a dynamic, entrepreneurial, and family-oriented environment built around one idea: when you succeed, we succeed. We invest heavily in our people — training, coaching, technology, warm leads, and a culture that pushes you to be great. Whether you're a seasoned vet looking for a smarter home or a hungry newcomer ready to break into financial sales, we set you up to win.