The first review is more useful when every obligation and current payment is visible. Start with complete records; missing agreements or renewals can materially change the strategy.
MCA and commercial debt records
- Every original MCA agreement and addendum
- Renewal, modification, and payoff documents
- Current statements and estimated balances
- Loan, line, lease, and vendor agreements
- Personal guarantee and collateral information connected to the obligations
Payment and cash-flow records
- Recent statements for every business operating account
- Payment-processor and platform statements
- A schedule of daily, weekly, and monthly debt withdrawals
- Recent return, overdraft, or insufficient-funds activity
Business financial records
- Current profit and loss statement
- Current balance sheet
- Accounts receivable and payable aging
- Recent business tax returns when available
- A weekly or 13-week cash-flow forecast when available
Essential operating expenses
- Payroll and payroll taxes
- Rent, insurance, utilities, and required licenses
- Essential vendors, inventory, fuel, materials, or clinical supplies
- Other expenses required to keep producing revenue
Creditor communications
- Default or collection notices
- Emails, letters, text messages, and account statements
- Prior proposals, reconciliations, or payment arrangements
- Names and contact details for current creditor representatives
Protect sensitive records
Do not send bank credentials, Social Security numbers, or identity documents through an unverified channel. Confirm who needs each document and how it will be handled.