Payload Center
Outgoing document payload, organized by Capital Program (product). Pick a program, set which documents get sent, and every email funding partner that funds it receives that payload. Defaults mirror the product Document Rules.
Merchant Cash Advance
0 email funding partners fund this program · 4 documents in payload
Always sent: bank statements, transaction history, EIN letter, articles of incorporation.
Never sent: driver's licenses, voided checks.
Universal — handled automatically for every program
Driver's License / State ID
Front of your government-issued photo ID.
Other / Additional Documents
Upload any additional documents relevant to your application.
Payload documents for Merchant Cash Advance
Second Owner / Co-Applicant Driver's License
Front of the second owner's / co-applicant's government-issued photo ID. · not in Merchant Cash Advance defaults
SBA Loan Application (Form 1919)
Completed SBA Form 1919. · not in Merchant Cash Advance defaults
SBA Affiliation Matrix
SBA affiliation analysis worksheet. · not in Merchant Cash Advance defaults
Rehab Budget / Scope of Work
Detailed renovation budget and scope of work. · not in Merchant Cash Advance defaults
Construction Plans & Specifications
Architectural plans, specs, and permits. · not in Merchant Cash Advance defaults
Construction Budget Breakdown
Line-item budget: hard costs, soft costs, contingency. · not in Merchant Cash Advance defaults
Equipment Quote / Invoice
Quote or invoice from the equipment vendor. · not in Merchant Cash Advance defaults
Vehicle Title & Registration
Title and registration for the financed vehicle. · not in Merchant Cash Advance defaults
Invoice / Receivables Documentation
Outstanding invoices and receivables to be financed. · not in Merchant Cash Advance defaults
401k / Retirement Account Statement
Most recent retirement account statement. · not in Merchant Cash Advance defaults
Cash Home Offer Documentation
Deed, tax records, and lien information. · not in Merchant Cash Advance defaults
Property Photos (15)
Upload 15 photos of the property — inside and outside — so we can assess condition and value. · not in Merchant Cash Advance defaults
Copy of the Deed
Upload a copy of the property deed showing current ownership. · not in Merchant Cash Advance defaults
MCA Payoff Statements
Current payoff statements from existing MCA lenders. · not in Merchant Cash Advance defaults
ROBS Plan Document
401(k) ROBS plan adoption agreement / IRS determination letter. · not in Merchant Cash Advance defaults
Current Business License
Upload your current business license (if applicable). · not in Merchant Cash Advance defaults
Business Tax Returns (Last 3 Years)
Upload your most recent business tax returns (3 years mandatory). Or most recent extension. · not in Merchant Cash Advance defaults
Recent Business Tax Return
Your most recent business tax return. Or most recent extension. · not in Merchant Cash Advance defaults
YTD Profit & Loss Statement
Year-to-date P&L statement. · not in Merchant Cash Advance defaults
Balance Sheet
Most recent balance sheet. · not in Merchant Cash Advance defaults
Personal Financial Statement
Standard PFS (SBA Form 413 for SBA). · not in Merchant Cash Advance defaults
Personal Tax Returns
Upload your most recent personal tax return. Or most recent extension. · not in Merchant Cash Advance defaults
Debt Schedule
List of all existing business debts with lender names, balances, monthly payments. · not in Merchant Cash Advance defaults
AR Aging Report
Accounts receivable aging report. · not in Merchant Cash Advance defaults
Inventory Report
Current inventory valuation report (SKU-level or aggregate). · not in Merchant Cash Advance defaults
Equipment Appraisal
Independent appraisal or valuation of equipment used as ABL collateral. · not in Merchant Cash Advance defaults
Collateral Documentation
Appraisals, titles, bills of sale for pledged assets. · not in Merchant Cash Advance defaults
Schedule of Real Estate Owned (SREO)
List of all real estate owned by the applicant. · not in Merchant Cash Advance defaults
Property Appraisal / Valuation
Recent appraisal or valuation of the subject property. · not in Merchant Cash Advance defaults
Most Recent Mortgage Statement
Upload your most recent mortgage statement showing current balance, rate, and payment. · not in Merchant Cash Advance defaults
Rent Roll
Current rent roll for income-producing properties. · not in Merchant Cash Advance defaults
Lease Agreement
Current lease for subject property (if tenant-occupied). · not in Merchant Cash Advance defaults
Proof of Insurance
Current insurance policy / binder. · not in Merchant Cash Advance defaults
Utility Bill
Most recent utility bill in your name. · not in Merchant Cash Advance defaults
Voided Personal Check
Voided PERSONAL check in your name (where the money will be deposited). · not in Merchant Cash Advance defaults
Paystubs
Two most recent paystubs. · not in Merchant Cash Advance defaults
Last Year's W-2
Last year's W-2 form. · not in Merchant Cash Advance defaults
Personal Bank Statements
Last 4 months of personal bank statements showing your payroll deposits (all pages). · not in Merchant Cash Advance defaults
Business Plan
Current business plan document. · not in Merchant Cash Advance defaults
Financial Projections
2-3 year revenue/expense projections. · not in Merchant Cash Advance defaults
Merchant Processing Statements
Last 4 months of merchant processing statements.
Purchase Contract
Signed purchase contract / executed PSA. · not in Merchant Cash Advance defaults
Contractor License & Insurance
Contractor's license and insurance certificates. · not in Merchant Cash Advance defaults
Voided Business Check
A voided check showing your business account details.
A saved custom payload overrides the product Document Rules for the email submission path only. API-connected funders (Bitty, CFGMS, Credibly) are excluded entirely — their document sets are fixed by their API specs and never affected here.