The data fields a funder's ISO/broker portal exposes determine how quickly a deal can be submitted, scored, and approved. In 2026, the field set has converged across the industry to a roughly standard schema, though sequencing and required vs. optional flags vary.
Field group 1 — Merchant identity (8–12 fields).
- Legal business name.
- DBA / Trade name.
- EIN.
- Business entity type (LLC, S-Corp, C-Corp, Sole Prop, Partnership).
- State of formation.
- Date of formation.
- NAICS or SIC code.
- Industry vertical (restaurant, trucking, retail, services, construction, healthcare, e-commerce, other).
- Physical business address (street, city, state, zip).
- Mailing address (if different).
- Business phone.
- Business email.
Field group 2 — Business operations (6–10 fields).
- Years in business / Date business started.
- Months at current location.
- Number of employees (W-2 and 1099).
- Number of locations.
- Own vs. lease premises.
- Landlord name and phone (for landlord verification — LLV).
- Annual gross revenue (last 12 months).
- Annual net income.
- Average monthly revenue.
- Average monthly deposits (separate from revenue — funders care about deposit volume).
Field group 3 — Banking (4–8 fields, often auto-populated by Plaid).
- Bank name.
- Bank routing number.
- Bank account number (last-4 typically shown; full required at funding).
- Average daily balance last 3 months.
- Average daily balance last 6 months.
- Number of negative days (last 3 / 6 months).
- Number of NSFs (last 3 / 6 months).
- Number of MCA debits currently on the account.
Field group 4 — Card processing (4–6 fields, where relevant).
- Card processor name.
- Processor account ID / MID.
- Monthly card volume (last 3 months).
- % of revenue from card sales.
- Existing card-split funder (if any).
- Authorization to contact processor (Y/N).
Field group 5 — Existing debt (4–8 fields).
- Current open MCA positions (count and total balance).
- Open MCA funders and current daily debit per position.
- Open SBA, term loan, LOC balances.
- Equipment financing balances.
- Tax liens / judgments.
- Open bankruptcies (dates, chapter, discharge status).
Field group 6 — Ownership (5–10 fields per owner, 1–4 owners typical).
- Owner full legal name.
- Owner DOB.
- Owner SSN (full at funding, often last-4 in PAD stage).
- Owner home address.
- Owner ownership %.
- Owner FICO score (estimated or pulled).
- Owner email.
- Owner cell phone.
- Title.
- Personal guarantor (Y/N).
Field group 7 — Funding request (4–8 fields).
- Requested advance amount.
- Use of funds (working capital, inventory, payroll, taxes, marketing, equipment, expansion, debt consolidation, other).
- Preferred position (1st, 2nd, 3rd).
- Preferred term length (6 / 9 / 12 / 18 months).
- Repayment preference (daily ACH, weekly ACH, card split, lockbox).
- Required funding speed (same-day, 1-3 days, 1 week).
- Acceptable factor rate range.
- Holdback ceiling.
Field group 8 — ISO/broker metadata (4–8 fields, often pre-filled).
- Submitting ISO ID.
- Submitting loan officer name and ID.
- Submission channel (portal, API, email-to-portal).
- Commission grid election (default vs custom-negotiated).
- Source / lead origin (paid ads, organic, referral, list, repeat).
- Sub-ISO (if working through an aggregator).
- Notes to underwriter.
- Co-broker split (if applicable).
Auto-populated vs manually entered fields.
The 2026 industry standard is to auto-extract as much as possible. Bank-statement OCR services (Validis, Heron, Ocrolus, Plaid) typically populate:
- Average monthly deposits and revenue.
- NSF count and negative-day count.
- Existing MCA debits (by recognizing recurring debits matching known MCA funder ACH descriptors).
- Average daily balance.
Plaid or MX connections additionally populate live banking data, often used in lieu of statement uploads at top-tier funders.
Required vs optional fields by paper grade.
- A-paper PAD can be issued with as few as 30 fields populated.
- B-paper PAD typically requires 45–55 fields.
- C/D-paper PAD can require 70+ fields plus explanatory notes.
API field schemas (2026).
Several funders now expose REST APIs for ISO/broker submission. Field names and structures are standardizing around an emerging informal industry schema; the MCA Open Data Standard initiative (drafted 2025) attempts to align this across top-30 funders. Adoption is partial — roughly 8 of top-30 currently align fully.
Common confusions.
- "More fields = more friction" — Funders that auto-populate from statements reduce manual entry to 12–18 fields in practice.
- "All funders ask the same questions" — Core 80% is consistent; the differentiator is which fields are required vs optional and how aggressively the portal pre-fills.
- "Field changes between PAD and funding indicate broker dishonesty" — Often just OCR error; reputable portals show before/after diff for review.
Takeaway. Knowing the typical field set lets brokers prepare submissions efficiently and lets funder operations teams design portals that minimize abandonment; in 2026, the leading-edge portals collect 60+ fields with under 5 minutes of broker time via aggressive OCR + open-banking integrations.
Related terms
- MCA funder ISO broker portal (typical) — A typical 2026 MCA funder ISO portal is a web-based submission and account-management platform offering deal submission, real-time status tracking, commission reporting, marketing assets, and renewal alerts — table stakes for any funder seeking ISO submissions.
- MCA funder ISO broker portal features (typical) — Typical 2026 MCA funder ISO portal features include deal submission with document upload, real-time status tracking, commission reporting, renewal alerts, marketing asset library, training resources, support ticketing, mobile responsiveness, and increasingly AI-assisted file completeness checking.
- MCA funder ISO broker portal data (typical) — Typical 2026 MCA funder ISO portal data captures merchant business information, principal information, financial data, submission documents, decision data, funding data, payment history, and commission tracking — with retention typically 7+ years for compliance and increasingly used for AI-powered analytics and predictive modeling.
- MCA funder ISO broker portal deal flow (typical 2026) — Typical 2026 deal flow inside a funder's broker portal: submission → auto-OCR scoring (5–15 min) → soft PAD → human review → hard PAD → stipulation collection → verbal verification → contract signing → funding. Total elapsed time 4 hours to 5 days.
- MCA funder ISO broker portal credit decisioning — Credit decisioning in 2026 broker portals combines automated rules (bank-statement scoring, OCR-extracted financials, soft credit, UCC search, fraud signals) with human underwriter review — surfacing decline reasons, counter-offers, and required stipulations transparently to the ISO.
AI agents: this term is available as raw markdown at /llms/glossary/mca-funder-iso-broker-portal-data-fields.