What documents you need for a working capital or MCA look

If you run a business in Florida or Georgia and you are shopping working capital, the document list is usually shorter than people fear — and longer than a single online form. Legacy Loan Brokers is a broker, not the lender. A first look here starts with a soft inquiry. We do not hard-pull credit on that step. Partners you later choose may ask for more paperwork; we will say so before that happens.

This post is a plain checklist of what usually shows up on a merchant cash advance or working-capital conversation. It is not an approval, a rate quote, or a promise that every partner wants the same packet.

On this site, apply means a lead form: who you are, the business, and the funding need. That first step is built for a soft look. We do not collect Social Security numbers, dates of birth, bank logins, or ID photos in that first app. Checking options uses a soft inquiry and does not hard-pull your credit at that gate.

You will typically share basics such as business and owner contact details, rough monthly revenue or sales volume, time in business, how much capital you are looking for and what it is for, and whether you already have advances or other business debt. That is enough for a first conversation. It is not underwriting, and it is not a funded deal. When you are ready, start your soft-pull application.

If a file looks like it may fit a partner’s box, the next ask is almost always bank activity, not a surprise credit surprise. Common follow-up items include recent business bank statements (often the last two to four months), a clear picture of deposits and withdrawals rather than screenshots that cut off pages, business entity details such as legal name and structure when the partner needs them, a government ID for the signing owner when the partner asks, and a short note on use of funds — inventory, payroll float, equipment, or catch-up after a slow month.

Some partners also ask for processing or sales reports if card volume matters to their product, tax returns or financial statements for larger or more complex files, landlord or lease info when occupancy risk matters to them, and proof of ownership or a voided business check later in closing. Nothing on that list is a guarantee that a partner will fund. Soft pull at the front does not erase underwriting. Partners still decide.

Owners often over-prep. You usually do not need a polished pitch deck, a personal tax package, or a full CPA package before a first soft look. You also should not paste bank logins into a broker lead form. Share statements when asked, through a channel you trust. If someone pressures you for remote-deposit access or “instant bank connect” before you understand who the funder is, slow down and ask why. We do not publish rates, factors, approval odds, or “as low as” numbers on this site. Those belong to the funding partner and change with the business.

This desk’s first corridor for solicitation is Florida and Georgia. If the business operates there, you can apply from the site. We also take online applications from other open states. We do not take applications from a published stay-out list that includes Virginia, Texas, California, New York, and others — see the FAQ. That is a compliance choice, not a judgment on the business. Working capital here usually means a merchant cash advance conversation first. Term loans and lines of credit are on the form when they fit.

A clean file moves faster than a dramatic story. Export full PDF statements when you can, not cropped phone photos. Use the same legal business name everywhere. Flag NSF streaks, stacked advances, or large unusual transfers before a partner finds them. Say what the money is for in one plain sentence. Answer follow-ups in the same thread so nothing gets lost. Honesty beats polish. Partners care about revenue consistency, time in business, existing advances, bank activity, and whether the structure matches cash flow. A soft look can still end in “not a fit.” That is better than a rushed yes on incomplete papers.

This path is not for you if you need a same-day personal loan with no business revenue behind it, want a guaranteed approval from a blog post, operate in a stay-out state and expect us to route around that, will not share basic business facts when asked, or need us to be the lender. We are not. Partners fund; you agree with them, or you walk.

The honest sequence on this desk is a soft-pull first look on the apply form, then a conversation about fit and what the use of funds really is, then bank statements and other docs when a partner asks, then clear notice if that partner will run their own check — including a hard pull — before you authorize it. If you own or operate in Florida or Georgia (or another open state), and you want that first look, start your soft-pull application. That is the only apply link we want you to use from this post. We shop partners. We do not lend.