CMCAP — Certified MCA Professional
This industry hasno credential.We are building it.
Most people on a desk learned this job by watching whoever sat next to them. That is why good reps wash out and good files get declined. Start with one free course and find out what you actually know.
- Hours, full diploma
- 200Hours, full diploma
- Specialization tracks
- 5Specialization tracks
- To start today
- FreeTo start today
Know What You’re Signing
Free, permanently · about 40 minutes
Factor rate, holdback, reconciliation, and what a personal guaranty actually commits you to. No card. No password.
Prefer a full account? Sign up with a password.
Outcomes, not hours
What a CMCAP holder can actually do
Every hour maps to a competency, and every competency is assessed against a file — not a quiz about a file.
- STM
Read a statement properly
Separate true revenue from gross deposits, and know why that difference is where most bad approvals begin.
- RSK
Find the positions
Reconstruct total daily debt service from the account itself — including positions paid by processor split that never appear as an ACH debit.
- DOC
Spot a doctored file
Non-footing balances, duplicated transaction blocks, fabricated statements, synthetic merchants.
- PRC
Price a deal that survives
A factor rate, holdback and term the merchant can actually sustain through a slow month.
- ETH
Explain the product honestly
What reconciliation means, what an estimated term is not, and what the guaranty actually commits.
- OPS
Defend the decision
Present and defend a full merchant file to two assessors, the way you would to a credit committee.
The diploma
Four levels, 200 hours
- 40 hrsLevel 1
Foundation
Business finance, product mechanics, ecosystem, and the industry math you cannot fake.
- 70 hrsLevel 2
Core
Stips, statement analysis, risk, pricing, contracts, servicing, collections, ethics.
- 60 hrsLevel 3
Specialization
One of five tracks — underwriting, origination, servicing, capital markets, or fintech ops.
- 30 hrsLevel 4
Capstone
A generated merchant file, six deliverables, and a live defense before two assessors.
Pass standard: 70% overall, nothing below 60%, plus hard gates on the industry-math module and the fraud-detection lab. A credential you cannot fail is not a credential.
Start with the free one
Forty minutes, no card, no commitment. If it is useful, the diploma is there. If it is not, you have lost forty minutes and gained the ability to read a contract.