MCA funder ISO broker portal data fields — every input field, what it means, and how it scores your deal.

Why this article exists

Every MCA quote you have ever received was generated by a broker typing your business into a funder's ISO broker portal. You never see the screen. The broker enters thirty to seventy data fields, attaches your bank statements and signed application, hits submit, and the funder's underwriting engine returns a factor-rate band and approval amount within minutes. The fields on that screen are the entire information surface the funder uses to price you. If a field is left blank, entered wrong, or deliberately fudged, your offer is wrong.

This article walks through every field category, what it means to underwriting, and the handful of fields that have outsized impact on the factor rate, term, and holdback percentage you end up signing.

The seven field categories of every ISO portal

Almost every broker portal — Heron, OnDeck Partner, Rapid Finance Pulse, Credibly Connect, Forward Financing Bridge, Greenbox Capital Compass, Kapitus Partner, IOU Central Plus, Lendica, BRT Financial Origin, Mulligan Funding Source, plus the twenty-odd funder-specific tools — organizes its input form into the same seven blocks. The order varies, the labels vary, but the data shape is consistent.

1. Business identity

• Legal business name. Must match the EIN registration on file with the IRS. A mismatch (DBA in the legal name field) is the single most common reason an application sits in manual review for 24–48 hours.
• DBA. Doing-business-as name. Used on marketing and the merchant agreement signature line.
• EIN. Employer Identification Number. Drives automated entity verification (LexisNexis, Experian Business).
• Entity type. LLC, S-corp, C-corp, sole prop, partnership. Sole props and partnerships get downgraded automatically at about half of all funders — the personal guarantee is structurally weaker.
• Date of incorporation / TIB (time in business). Months in business from state filing date. The hard cliffs are 3 months (most funders' minimum), 6 months (preferred minimum), 12 months (rate improves), 24 months (best rates open up).
• State of formation and operating address. Drives state disclosure law applicability (CA, NY, VA, UT, FL after July 2026, NJ after January 2026, OH after July 2026) and confession-of-judgment availability.
• Phone, email, website. Used for verification calls, fraud screening, and confirmation routing.

2. Industry classification

This is the single most price-sensitive non-financial field. Most portals require both a SIC code and a NAICS code. Some accept a free-text industry that the underwriter maps manually — that is when miscoding happens.

• NAICS code (6-digit). Drives the funder's industry-vertical pricing table. A full-service restaurant (722511) and a limited-service restaurant (722513) often have different rate bands at the same funder. Trucking (484121 general freight long-distance, 484122 specialized freight, 484220 local) splits three ways.
• SIC code (4-digit). Legacy classification, still used by some funders for restricted-industry checks.
• Restricted-industry flag. Auto-decline categories: cannabis, firearms, adult, gambling, payday lending, debt consolidation, certain healthcare sub-codes, MLM. Some portals check this automatically against the NAICS; others require the broker to attest.

3. Owner / guarantor profile

• Owner full name, DOB, SSN. Triggers the soft credit pull (most funders) or hard pull (a minority) once the broker submits.
• Ownership percentage. Any owner with 20%+ is generally required to personally guarantee. Owners under 20% are usually informational only.
• FICO score (Experian, often). The portal pulls this on submit at most funders, but some require the broker to enter a self-reported range (550–599, 600–649, 650–679, 680–719, 720+). Mis-entry causes immediate offer re-pricing if the real pull comes in lower.
• Home address, time at residence. Address stability is a soft factor.
• Bankruptcy history (years since discharge). Most funders require 7+ years from Chapter 7, 3+ years from Chapter 13 discharge. Some accept 2 years with strong revenue.
• Open judgments and tax liens. Both reduce the offer or block it entirely. Some funders carve out IRS installment plans below $50,000 as acceptable.

4. Financial profile (the heart of the underwriting)

• Average monthly deposits (last 3, 6, 12 months). The single highest-weighted field. Drives both eligibility and offer size. Funder caps are typically 100–125% of average monthly revenue for first-position advances.
• Average daily ending balance. Proxy for cash buffer. Below $1,000 average is a yellow flag; below $500 with frequent negatives is usually a decline.
• Number of deposits per month. 30+ deposits suggests retail or food-service volume; 8–15 deposits suggests B2B invoice cycles. Both are underwritable, but the underwriting model differs.
• Number of NSF (non-sufficient funds) events per month. 3+ NSFs per month is a decline at most A-paper funders. B-paper funders may accept 5; C-paper funders 8–10.
• Number of negative days (days closing below zero). Counted across the statement period. 0–2 is clean; 3–7 is acceptable; 10+ is a decline at A-paper.
• Existing positions (other MCAs). The portal asks the broker to disclose. Stacking-detection software cross-references the statements regardless, so honesty is mandatory.
• Daily ACH or weekly ACH amount of existing positions. If positions exist, the funder calculates remaining cash-flow headroom.

5. Processing profile (for split-funded deals)

• Processor name. Toast, Square, Clover, Stripe, Worldpay, Heartland, Chase, Elavon, others. Some funders only split-fund through a whitelist of processors.
• Monthly card volume. Used to size the holdback if the deal is split funded rather than ACH funded.
• Holdback percentage (proposed). Broker proposes; funder counter-sets in the offer.
• Card-to-cash ratio. Card volume divided by total deposits. Drives whether ACH-only or split-funded structure is even available.

6. Deal request

• Requested amount. The number the broker types here is rarely what the merchant gets. It anchors the funder's pricing engine.
• Requested term (months). 6, 9, 12, 15, 18, 24. Longer terms get higher factor rates but lower daily payments.
• Use of funds. Free-text or dropdown (working capital, inventory, payroll, marketing, debt consolidation, equipment, expansion). Debt consolidation often triggers an automatic re-tier downward.
• Position (1st, 2nd, 3rd). Drives whether the deal is even underwritten. Most A-paper funders only fund 1st position; some 2nd; a handful 3rd.

7. Broker / channel metadata

• ISO name and ISO ID. Drives the commission schedule and which pricing tier the broker has access to (some funders give volume brokers a 10–20 bps tighter floor on the factor).
• Sub-broker / agent name. Tracked for commission split.
• Quoted factor / quoted markup. Some portals allow the broker to enter the rate they quoted the merchant. The funder will not exceed it without re-disclosure (where state law requires).
• Broker fee percentage. Commission the broker is asking the funder to pay. Caps vary by funder (typically 8–15 points of the funded amount).

The four input fields that quietly move your rate

Most fields above are factual — the broker enters them, the engine prices them, end of story. Four fields, though, are judgment fields where what the broker types materially changes your offer.

Field 1: NAICS code (5–8 factor-rate points)

Restaurant 722511 vs 722513 vs 722515 are priced differently at most funders. Trucking 484121 vs 484122 vs 484220 can split rates by half a factor point. Construction 236118 vs 238210 vs 238910 each have different loss curves. The broker picks one code from a dropdown. Pick the wrong one and your factor rate moves before underwriting even sees the file.

Field 2: Average monthly deposits (size and rate)

Under-reporting deposits is the most common quiet manipulation. A broker who lowballs your $52,000/month to $38,000/month does it for one of three reasons: to slip you under a volume cap so a faster-funding funder takes the file; to qualify you for an early renewal at the same funder where you already have a position; or to lower the offer size to a number the underwriter waves through on autopilot. The downstream effect is a smaller advance at a worse rate than your statements support.

Field 3: Use of funds (1–3 factor-rate points)

Funders price "use of funds" categories differently because each correlates with a different repayment outcome. Inventory and equipment uses get the best rates because they tie to a productive asset. Working capital is neutral. Marketing and expansion are slightly worse. Debt consolidation is the worst — it correlates with deteriorating cash flow even when the merchant's statements look clean.

Field 4: Disclosed existing positions (decline-or-not)

The broker is asked to disclose whether the merchant has open MCAs. Stacking detection software (Heron, Decipher, MCA Track) cross-references against the bank statements regardless, so under-disclosure is detectable. But the broker's disclosure affects how the funder routes the file: an honestly disclosed 2nd position goes into a 2nd-position underwriting queue with appropriate pricing; an undisclosed position discovered by software gets the file declined for fraud screening, even if the merchant would have qualified under 2nd-position rules.

What this means for you as a merchant

You cannot see the portal. You can, however, ask your broker three questions before any offer is locked:

• What NAICS code did you enter for me? Cross-check it against the census.gov NAICS lookup for your actual business activity. If the code is wrong, ask for it to be re-keyed and the deal re-priced.
• What average monthly deposit figure did you enter? Compare it to your own 3-month average from the bank app. If the broker entered a number more than 5% off, ask for a correction.
• What did you enter for existing positions? If you have any open MCA, it must be disclosed. The downside of disclosure is a 2nd-position rate; the downside of non-disclosure is a fraud decline and a flagged file at every funder that uses Heron or Decipher.

Brokers who refuse to answer these questions are brokers you should not work with. Brokers who answer honestly and willingly are the rare 10% worth keeping a relationship with.

What we publish that brokers don't

Fundnode publishes the field-by-field intake spec because the structural information asymmetry — broker sees the screen, merchant doesn't — is the single largest source of mispriced MCA deals in the market. Our match flow uses the same field categories above and returns a factor-rate band before any broker is involved. If the band a real funder offers you is materially worse than what our model says, you have a concrete reason to push back.