01
Connect your accounts
Link your bank, Stripe, QuickBooks, and payment processors in under 10 minutes. Read-only — we never move money without you.
0
Average setup time
Cash flow management
Cash flow management that gets you paid.
An all-in-one cash flow tool that helps you plan ahead, get paid by customers, and never need a high-interest merchant cash advance again.
4.9/5 based on 100+ reviews
Loved by users of
DAILY DEBIT 84781183
−$486.00 · BEFORE 6AM
−$486.00 · BEFORE 6AM
► OBLIGATION 02
RENEWED · STACKED
RENEWED · STACKED
DAILY DEBIT MG2832
−$394.86 · EVERY DAY
−$394.86 · EVERY DAY
► CASH ON HAND
SHRINKING WEEKLY
SHRINKING WEEKLY
They don't lend you money. They buy your future at a discount.
Cash on hand
$24,800
Days until broke
47
There's another way
See the crunch coming. Get paid first. Win it back.
Alic maps your cash flow, forecasts the gaps, and recovers what MCA companies already stole — so you never sign another factor rate again.
13-week forecast
Projected balance · Week 13
$31,200
Reconciliation
Recoverable from your MCAs
$12,350
No upfront cost
−$486 / day
−$394 / day
−$360 / day
−$520 / day
How Alic works
Connect. Forecast. Recover.
02
See what's coming
13-week rolling forecast updated daily. Alerts when you're heading for a crunch — weeks before you'd panic-apply for an advance.
13
Week forecast horizon
03
Recover what they took
Our reconciliation team audits MCA agreements, finds overcharges, and fights funders to get your money back. No upfront cost.
$0
Avg. recovery per audit
01 — The real cost
One advance. Here's what it really costs.
$
5 months
Mon–Fri daily debits · ~21 business days per month
- Origination fee5%
- Factor rate1.40
- Net to you$95,000
- Daily debit$0
Effective APR (daily debit schedule)
—%
Annualized from net proceeds, factor 1.40, and equal Mon–Fri debits over ~105 business days.
They take (daily)
$0
They take (weekly)
$0
You keep with Alic (yearly est.)
$0
Your bank feed this week
Get paid. Plan ahead. Win back what they took.
Built for your industry
MCA hits everyone. Alic helps everyone escape.
Stop daily debits from eating your margins
Seasonal swings shouldn't mean stacking another advance. Forecast slow weeks and collect faster.
−$2,400/wk avg. savedBridge the gap between jobs
See when receivables land vs. when payroll hits. No more panic-borrowing between projects.
6-wk visibilitySync every processor in one view
Stripe, Shopify, PayPal — unified cash flow so you know exactly what's available.
3+ integrationsSurvive reimbursement delays
Insurance payouts lag. Alic shows the crunch before it forces you into a factor rate.
13-wk forecastInventory cycles without the trap
Stock up for season without signing away next quarter's revenue to an MCA.
$12K+ avg. recoveredFuel costs won't break you
Variable expenses meet predictable planning. Reconciliation recovers overcharges from stacked funders.
MCA-free in 6 mo.
02 — Cash flow
Get paid by your customers, not by a lender
Stop chasing advances when revenue dips. Alic shows you exactly when money comes in, when it goes out, and how to bridge the gap — without signing away tomorrow's sales.
- Unified view of every account and payment processor
- Invoice tracking with real-time payment status
- Automated reminders so customers pay on time
- No daily debits. No factor rates. No fine print.
$0
Avg. collected per month
Invoice status
In progress
Sent
Partial
Paid
Paid to date
$0
Acme Corp$48,200
Metro Supply Co$92,700
Westside Retail$91,000 pending
Projected Balance
Crunch ahead
Cash shortfall in 6 weeks
Based on current burn and receivables. Act now to avoid an advance.
03 — Forecasting
See the crunch coming — weeks before it hits
MCAs prey on panic. Alic gives you a 13-week rolling forecast so you see shortfalls before they become emergencies — and time to fix them without borrowing.
- 13-week cash flow projection updated daily
- Scenario planning for slow seasons and growth spurts
- Alerts when balance drops below your threshold
- Actionable recommendations, not just charts
6
Weeks early warning avg.
04 — Reconciliation
Get back the money your MCA already took
Many MCAs overcharge through hidden fees, double debits, and miscalculated payoffs. Our reconciliation team audits your agreements and recovers what you're owed.
- Full audit of your MCA agreements and debits
- Identification of overcharges and illegal practices
- Direct recovery — we fight the funders for you
- No upfront cost. We only win when you do.
$0
Avg. recovery per audit
Reconciliation Summary
Double debits detected$2,840
Incorrect factor rate$4,120
Unauthorized fees$1,890
Early payoff penalty$3,500
Total recoverable
$0
05 — Side by side
Alic vs. a merchant cash advance
Feature
MCA
Alic
Cost structure
MCA
✕ Factor rates up to 1.50 — effective APR 80–200%+
Alic
✓ Flat monthly subscription. No factor rates.
Payment schedule
MCA
✕ Daily or weekly debits from your bank
Alic
✓ You control when customers pay you
Cash flow impact
MCA
✕ Erodes margins week after week
Alic
✓ Improves visibility and planning
Personal guarantee
MCA
✕ Required on most agreements
Alic
✓ No personal guarantee needed
Credit impact
MCA
✕ UCC filings can tank your score
Alic
✓ No credit pull. No UCC filing.
Exit strategy
MCA
✕ Stack another advance to survive
Alic
✓ Reconciliation recovers overcharges
06 — Our promise
Six things we'll never do to you
No hidden fees
What you see is what you pay. No origination, no maintenance, no surprises.
No daily debits
Your bank account is yours. We never pull money on a schedule you didn't choose.
No personal guarantees
Your business is the customer. Your house is off the table.
No compound interest
We're not a lender. There's no interest to compound because there's no loan.
No credit score impact
We don't report to bureaus. We don't file UCC liens. Your credit stays yours.
No fine print
Plain English terms. Cancel anytime. No lock-in, no penalties, no gotchas.
07 — Owners
People who got their mornings back
I was bleeding $2,400 a week to three different funders. Alic showed me I didn't need another advance — I needed to collect faster. Six months later, I'm MCA-free.
The reconciliation team found $18,000 in double debits I never would have caught. That paid for a year of Alic and then some.
For the first time I can see six weeks out. I used to panic-apply for advances every slow season. Not anymore.
Composite examples representative of completed plans; names and details changed for privacy.
$0
Saved in interest
0
Businesses helped
0
Faster growth
Get paid first.
Never look back.
Join thousands of business owners who stopped feeding the MCA machine and started building real cash flow.