What data fields are in MCA funder ISO/broker portals in 2026?

Full answer

Data field overview 2026. ISO/broker portals capture comprehensive merchant data for underwriting, compliance, commission tracking, and audit purposes. Field counts vary by funder (50-150 fields typical) with deeper data collection at top-tier funders. Field organization typically follows submission flow — merchant profile, ownership, financials, documentation, deal terms, compliance attestations.

Merchant profile fields 2026. (a) Legal business name (LLC, Corp, Sole Prop indicator). (b) DBA/trade name (if different). (c) EIN (Employer Identification Number). (d) Business formation date. (e) Formation state. (f) Operating state(s). (g) Business address (street, city, state, ZIP). (h) Business phone, email, website. (i) NAICS code (industry classification). (j) SIC code (secondary industry classification). (k) Business description (free text). (l) Number of employees. (m) Number of business locations.

Ownership fields 2026. (a) Principal name (legal, first/middle/last). (b) Title/position. (c) Ownership percentage. (d) Date of birth. (e) SSN (encrypted). (f) Home address (street, city, state, ZIP). (g) Home phone, mobile, email. (h) Time in current role (months). (i) Time in business (months). (j) Government ID type and number. (k) Credit check consent attestation. (l) Personal guarantee consent. (m) Multiple-principal capture for 20%+ owners (typical 1-4 principals).

Financial profile fields 2026. (a) Monthly gross revenue (current month and trailing 3-12 month average). (b) Average daily balance (trailing 3-6 months). (c) Negative day count (trailing 3-6 months). (d) Daily deposit count (trailing 3-6 months). (e) Daily withdrawal count (trailing 3-6 months). (f) Existing MCA/loan obligations. (g) Monthly debt service. (h) Business credit score (if available). (i) Personal credit score (with consent). (j) Tax liens or judgments. (k) Bankruptcy history. (l) Industry-specific metrics (e.g., trucking miles, restaurant covers, retail sales).

Documentation fields 2026. (a) Bank statements (3-6 months, PDF or CSV upload). (b) Voided check (banking verification). (c) Government ID (driver's license, passport). (d) EIN letter (IRS confirmation). (e) Business license (if applicable). (f) Most recent tax return (1120, 1120S, 1065, or Schedule C). (g) Profit and loss statement (last 12 months). (h) Balance sheet (most recent). (i) Articles of Organization/Incorporation. (j) Operating Agreement or Bylaws. (k) Industry-specific documentation (e.g., trucking authority, liquor license).

Deal terms fields 2026. (a) Requested advance amount. (b) Preferred payment frequency (daily, weekly, bi-weekly, monthly). (c) Preferred term length (months). (d) Use of funds (working capital, equipment, expansion, debt consolidation). (e) Urgency (same-day, 1-3 days, 3-7 days, flexible). (f) Approval offer fields (post-underwriting) — approved amount, factor rate, term, holdback %, daily/weekly payment. (g) Counter-offer fields — negotiation history. (h) Funding date. (i) First payment date.

Commission tracking fields 2026. (a) Broker ID and tier. (b) Commission rate applied. (c) Commission amount accrued. (d) Sub-broker split (if applicable). (e) Master ISO override. (f) Payment status (pending, paid, clawed back). (g) Payment date and method. (h) Clawback amount and reason (if applicable). (i) Bonus accrual (volume, quality, renewal). (j) Year-to-date commission summary. (k) 1099-NEC accumulation.

Compliance markers 2026. (a) CA Commercial Financing Disclosure provided (Y/N) — required if CA merchant. (b) NY Commercial Financing Disclosure provided (Y/N) — required if NY merchant. (c) APR-equivalent disclosed (Y/N). (d) Broker compensation disclosed (Y/N). (e) Stacking disclosed (Y/N, count of active positions). (f) Personal guarantee acknowledgment. (g) AML/KYC screening results. (h) OFAC screening results. (i) Suitability assessment completion. (j) E-signature audit trail.

Bank data integration fields 2026. (a) Bank account number (encrypted, last 4 visible). (b) Routing number. (c) Bank name. (d) Bank Statement OCR data (extracted automatically). (e) Daily balance time series. (f) Deposit/withdrawal transaction list. (g) MCA-detection flags (recurring debit patterns). (h) NSF count and dates. (i) Plaid/MX connection status (if applicable). (j) Manual override flags for OCR errors.

Underwriting workflow fields 2026. (a) Submission timestamp. (b) Underwriter assignment. (c) Status (submitted, reviewing, conditional, approved, declined, funded). (d) Stipulation list. (e) Decline reason codes. (f) Approval offer history. (g) Underwriter notes. (h) Risk score (proprietary). (i) Decision time (hours from submission). (j) Approval terms. (k) Funding terms.

Renewal tracking fields 2026. (a) Original deal ID. (b) Original funding date. (c) Original amount and factor. (d) Payback completion percentage. (e) Renewal eligibility flag (typical at 50-75% paid down). (f) Renewal advance amount eligible. (g) Days since renewal eligibility. (h) Renewal probability score. (i) Renewal contact history. (j) Renewal broker (same or new).

Analytics aggregation fields 2026. (a) Broker monthly submission count. (b) Broker monthly funded count. (c) Broker submission-to-funded rate. (d) Broker average factor. (e) Broker average deal size. (f) Broker default rate (30/60/90/180-day). (g) Broker stacking rate. (h) Broker tier and tier progression. (i) Broker commission YTD. (j) Broker quality score (proprietary).

Integration fields 2026. (a) CRM record ID (Salesforce, HubSpot, Pipedrive). (b) Webhook event ID (for outbound notifications). (c) API source identifier (if submitted via API). (d) White-label branding identifier. (e) Sub-account hierarchy (for enterprise brokers). (f) Reference fields for lead source tracking. (g) UTM parameters (for marketing attribution).

Audit and compliance archive fields 2026. (a) Submission IP address. (b) User agent string. (c) Geolocation (city/state). (d) Session ID. (e) All field changes logged (audit trail). (f) Document version history. (g) E-signature audit trail. (h) Disclosure acknowledgment timestamps. (i) Compliance officer review markers. (j) Retention period flags (7-year typical).

Bottom line. MCA funder ISO/broker portals in 2026 capture 50-150 data fields per deal organized across categories: merchant profile (legal name, EIN, DBA, NAICS, address — 10-15 fields), ownership (principal name/DOB/SSN/address/credit consent for 1-4 principals — 10-50 fields), financial profile (revenue, balances, deposits, debt — 15-25 fields), documentation (3-6 months bank statements, ID, voided check, EIN letter, tax returns — 10-15 documents), deal terms (requested amount, term, factor, payment frequency, approval offers — 10-15 fields), commission tracking (broker ID, rate, amount, splits, clawbacks, bonuses — 10-15 fields), compliance markers (CA/NY disclosure, APR, stacking disclosure, AML/KYC — 10-15 fields), bank data integration (account/routing, OCR data, balance time series, NSF count — 10-15 fields), underwriting workflow (timestamp, status, stipulations, decline reasons, approval terms — 10-15 fields), renewal tracking (eligibility, advance amount, contact history — 5-10 fields), analytics aggregation (broker metrics — 10-15 fields), integration (CRM, webhook, API — 5-10 fields), audit archive (IP, geolocation, audit trail, retention flags — 5-10 fields). Top-tier funders capture deeper data (industry-specific metrics, proprietary risk scores) while sub-tier funders capture minimum required fields. Field standardization across funders limited — broker portal switching cost material.

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