Document Checklist
The documents you'll need depend on the financing structure we're exploring. Use this checklist to prepare your file and speed up the review.
MCA Buyout / Term Loan Qualifications
For an MCA Buyout or Term Loan, we generally look for the following profile. Individual circumstances vary, and these are guidelines — not hard cutoffs.
680+ FICO
Strong personal credit for guarantors.
$500K+ Annual Revenue
Demonstrated business revenue.
Strong Deposits / Cash Flow
Consistent, healthy bank activity.
Financial Strength
Enough strength for a lender to replace MCA debt with a sustainable structure.
Document Packages by Solution
Select the structure you're exploring to see the standard package and what to prioritize for an initial submission.
MCA Buyout / Term Loan Package
The standard package we use to evaluate an MCA buyout or term loan. We can begin with the priority items and request the rest as the file progresses.
- Last 4 months business bank statements
- Current MTD bank activity / transaction report
- Current MCA debt schedule — lender/funder, current balance, daily/weekly payment
- All current MCA agreements
- 2025 business tax return
- 2025 year-end P&L
- 2025 year-end Balance Sheet
- 2026 YTD P&L
- Current 2026 Balance Sheet
We can begin the review with these items. The remaining documents may be requested as the file progresses.
- Current MCA debt schedule — lender/funder, current balance, daily/weekly paymentPriority
- All current MCA agreementsPriority
- Last 4 months business bank statementsPriority
- Current MTD bank activity / transaction reportPriority
- 2025 business tax returnPriority
- 2024 business tax return
- 2025 year-end P&LPriority
- 2025 year-end Balance SheetPriority
- 2026 YTD P&LPriority
- Current 2026 Balance SheetPriority
- Business debt schedule
- Business asset/equipment list, if applicable
- Basic Buyout Profile
Ready to submit your file?
Start your capital request and our team will confirm exactly which documents apply to your situation.
Document requirements vary by lender, program, and deal structure. This checklist is a general guide and does not guarantee approval. Final requirements are confirmed during underwriting.