You could be leaving thousands on the table and missing out on better terms.
Repayment history is one of the strongest indicators of future success.
Without documentation, every new advance or investment is underwritten as if you’re a first-timer — or worse, a higher risk.
Investors use DataMerch to review your negative history; there is no positive payback database.
Bring Proof That You Kept Your Promises
Investors see the full story when you send in proof of complete payment, such as zero-balance letters, account ledgers, or final receipts.
When investors see you have proof of previous MCA payoffs, they often respond with:
- Lower factor rates
- Longer terms
- Higher approval amounts
- Faster approvals
Without bringing proof, every new advance is underwritten as if you’re a first-timer — or worse, a higher risk.
Use Your Past to Better Your Future
Investors use documented MCA performance in the same way traditional lenders use credit history.
Bring your zero balance letter with you to your appointment at Promised Land or include it in your application.
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