You don’t need a perfect file to book an MCA debt consultation with Value Capital Funding. The first call needs almost nothing from you, and the documents come afterward. Here’s what’s needed at each stage.
What Value Capital Funding Reviews
During your free consultation, our team looks at your current MCA balances, your daily or weekly payment amounts, how many positions you’re carrying, and your recent revenue. Together, these provide an initial view of whether refinancing or attorney-led restructuring is the better starting point for your business. Confirming it comes later, once we’ve seen your documents. If your situation has already escalated to legal action or a lien, that’s factored in immediately, since it can change which path makes sense regardless of the numbers alone.
What You Actually Need for the First Call
Very little, and it’s worth saying plainly, because paperwork is often what stops people picking up the phone. Rough figures are enough:
- Roughly what you owe across your MCAs.
- Your daily or weekly payment amounts.
- How many advances you’re carrying.
- A rough sense of monthly revenue.
- Whether you’ve received any legal or collections notices.
You don’t need documents in front of you to have a useful first conversation. If you’d rather see some numbers before your call, our MCA Debt Calculator can give you an estimate in just a few minutes.
What to Expect in Your MCA Debt Consultation
Your specialist walks you through your situation, answers your questions, and, where appropriate, outlines next steps. There’s no obligation to decide anything on the call, and no upfront fees at any stage. If restructuring looks like the right fit, we’ll explain what that involves, including how you’re matched with the attorney-led team suited to your specific situation.
What Comes Next: The Document Stage
If the first call suggests we can help, the next step is to collect a few documents so we can turn those rough figures into firm figures. This usually happens on the same day, since most businesses handling MCA repayments are working against daily withdrawals. Our free 3-Step Foundation Guide is the downloadable version of this list, and most businesses work through it in about 15 minutes.
Your Application and Debt Schedule
A short application covering your business and its ownership, plus a debt schedule listing all of your business debt, not only MCAs. Accuracy matters more than speed here, since the debt schedule is what gives us the full picture of what you’re carrying. You’ll also need a copy of the front of your driver’s license.
Your MCA Contracts
All current MCA contracts, usually called Purchase Agreements, along with any legal or collections notices you’ve received from funders. These are where we find your factor rate and holdback percentage, the two figures that determine what your advances are really costing you.
If you can’t find them, search your email inbox for “DOCUSIGN,” “PURCHASE AGREEMENT,” or your funders’ names. A screenshot of your funding portal is fine if a contract is missing. One thing worth knowing: there’s no need to contact your funders to request copies. Keeping this process internal for now protects your position.
Your Bank Statements and Tax Return
Your most recent full month of business bank statements, plus your current month-to-date. These show the real effect of daily or weekly repayments on your cash flow, rather than just what’s owed on paper.
You’ll also need your federal business tax return, Form 1120, Form 1120S, or Form 1040 if you’re a sole proprietor, with all pages included. This one matters specifically for refinancing: to explore a bank-style refinancing path, we need to show that your business is a legitimate, tax-paying entity.
An A/R Aging Report, If You Have One
If your business carries outstanding accounts receivable, a current aging report helps complete the picture.
Missing something from this list isn’t a dealbreaker. Your specialist can work with what you have and follow up on the rest later.
Why Preparation Helps
The more complete your documents are when you send them, the faster your written proposal comes back. Gaps aren’t fatal, but each missing document usually means one more round of back-and-forth before we can give you firm numbers.
Booking an MCA debt consultation doesn’t commit you to anything, and it doesn’t require your paperwork to be in order first. Most business owners we speak to have been carrying this for a while before they pick up the phone. And there’s no judgment here about how the advances stacked up. One conversation is usually enough to know whether we can help, and if we can’t, we’ll tell you that too.
FAQs
No. A rough estimate of your balances, payments, and revenue is enough to get started. Try out our MCA Debt Calculator to give you a starting point.
No. The consultation is free, with no obligation to move forward afterward.
That’s fine. Share what you have; your specialist can work with estimates and follow up on anything specific later.
No. The free MCA review itself doesn’t involve a credit check.
Just let us know upfront. It might change how your specialist approaches the conversation and may mean moving faster than a standard review.
Once we’ve reviewed your documents, you’ll speak with a payment analyst who presents a written proposal setting out your projected payment, your projected relief, the fee, and the recommended path, refinancing or attorney-led restructuring.
For the full step-by-step breakdown, see How Does Value Capital Funding’s MCA Debt Relief Process Work?
