Business Debt Resources · Guide

How to Prepare for an MCA Debt Assessment

Daily debits are draining your account and you need a straight answer. Use this checklist to prepare for an MCA debt assessment in 15 minutes: your debts, cash flow, documents and what changed.

Rough numbers are fine. The goal is a clear picture, not a perfect spreadsheet.

Get Your Free MCA Debt Assessment → Call +1 (817) 254-4113

Free assessment
No obligation
No SSN or bank login

5-step checklist

No SSN needed

Ready for your assessment5 / 5

Active debtsFunders, balances, payments
Cash flowOne recent month, in vs. out
Key documentsAgreements and statements
What changedWhy payments stopped fitting
Legal papersNotices and deadlines

15 minChecklist

15 minutesto get your numbers ready
5 itemson the checklist
Freeno obligation
No SSNor bank login needed

The short answer

To prepare for an MCA debt assessment, have five things ready: a list of every active MCA and loan, your payment amounts and frequency, one recent month of deposits and expenses, your MCA agreements and bank statements, and any legal notices. Estimates are fine.

Your checklist to prepare for an MCA debt assessment: 5 things to have ready

Tick each item as you go. Nothing is saved or sent, this is just for you.

MCA Assessment ChecklistFree tool · tick each item as you go

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About 15 minutes

List every active obligation

For each merchant cash advance or business debt, note the funder, the amount you received, roughly what is still owed, the payment amount, whether it is daily, weekly or monthly, and whether it is current, behind or returned. Add equipment financing, credit cards and lines of credit if they affect cash flow. Carrying several advances at once? Read about MCA stacking.

Compare one recent month

Write down total deposits, total MCA and loan payments, and essential expenses such as payroll, rent, inventory, insurance and utilities. That single comparison often shows whether the pressure comes from payment size, timing or the number of obligations.

Gather the key documents

Your MCA agreements and amendments, recent business bank statements, card processing statements and any funder notices. You do not need to upload anything for the first step, but having them nearby saves time later.

Note what changed

Slower sales, a lost customer, rising costs, a seasonal dip, or a new advance taken to cover an earlier one. Also note what you most want to protect, such as payroll, a supplier or a lease.

Flag any legal papers

A summons, complaint or default notice comes with a deadline. Write the date down and speak with a qualified attorney promptly. See what to expect with MCA default help.

What happens after you submit

Three simple steps. You stay in control the whole way.

You send a short summary
The form takes about 3 minutes and asks for a summary, not sensitive records.
Our team reviews it
We may follow up to clarify details, then match your case with the right resolution team.
You get terms in writing
Services, fees and terms are explained in writing before you decide anything.

Before you decide, compare any proposal using the FTC’s business guidance, and see how it works.

Frequently asked questions

Straight answers to what business owners ask us most.

How long does it take to prepare for an MCA debt assessment?

About 15 minutes for most owners. The assessment form itself takes around 3 minutes.

Do I need exact balances to start?

No. Rough estimates are fine. Mark any figure you are unsure of with a question mark and it can be clarified later.

Do I have to upload bank statements?

Not for the initial assessment. Keep recent statements nearby, because they help in later conversations.

What if I have received a lawsuit or default notice?

Note the deadline and speak with a qualified attorney promptly. A debt assessment is not legal advice and does not pause court deadlines.

Should I stop paying my MCA while I prepare?

Do not change payments on your own. Stopping can trigger default under many agreements. Talk to an attorney or advisor before you change anything.

Could forgiven debt be taxed?

In some cases, canceled debt can count as taxable income. Read the IRS guidance on canceled debt and ask a tax professional.

Is the assessment free?

Yes. It is free and carries no obligation.

Keep exploring

MCA debt helpUnderstand your options when payments get tight. MCA debt reliefHow relief works and what to expect. MCA debt negotiationHow funders and owners reach new terms.

Checklist done? Start your free MCA debt assessment.

You do not need perfect numbers. Tell us what is happening in your business and the right team will take it from there.

Get My Free Assessment →+1 (817) 254-4113

This page is general information, not legal, tax or financial advice.