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Notes on FP&A, credit risk, ALM, capital markets, and lending operations — the same books Vector helps teams run. New issues appear here as they publish.

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FP&A, Credit, ALM & MCA
For finance teams
Latest issueIssue 1 · September 2026

The tape already knows

MCA Cohort Analysis: What Your Loan Tape Already Knows

Slice the loan tape by funding month. Compare January to June at the same age. That is how you see if one MCA vintage is actually profitable — and why a blended book can look healthy while new originations get worse.

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Vector Insights · Merchant Cash Advance

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