MCA Reporting & Exports: Every Report Explained
Merchant cash advance reports turn raw servicing data into financial and operational answers: how much was collected, what each advance still owes, which payments were returned, and what each syndication partner has earned or is owed. Most reports export to Excel, and large jobs run in the background. MCA Track ships a full suite of these reports behind a single Reports launcher, with quick-launch buttons for common reports and an Advanced Reports list.
Key takeaways
- MCA Track documents 24 reports and exports in total, spanning payments, fees, balances, ACH activity, commissions, and syndicator accounting.
- Most reports export to Excel; large exports run as background jobs that notify you when they are ready.
- The Reports launcher groups common reports up top and an Advanced Reports list below.
- Many columns are conditional — they appear only for certain roles or when a funder setting (such as syndicated breakdown or disbursement information) is enabled.
- Saving frequently-run reports as named configurations lets you reuse a Month-End set and only update the date range.
What reports does MCA Track provide?
MCA Track provides a full suite of financial and operational reports covering merchant payments, fees, portfolio balances, ACH activity, commissions, and syndicator accounting. The Reports screen offers quick-launch buttons for the most common reports plus an Advanced Reports list for specialized analyses. Across the platform there are 24 reports and exports in total.
Common reports include the Merchant Payment Report, Merchant Fees Report, Syndicator Earnings Report, Syndicator Payments Report, Syndicator Invoice Report, Periodic Income Report, and the ACH Transactions Report. Advanced Reports add Balance as of Date, Net Funded, ACH Returns, Commission, Status Change, and Refi.
What does each report give you?
Each report answers a specific servicing or accounting question. The table below summarizes the core reports and exports and what each one delivers, drawn directly from the MCA Track report reference and column documentation.
| Report or export | What it gives you |
|---|---|
| Merchant Payments | All payments in a date range, grouped by merchant, with an optional syndicator breakdown per payment. |
| Merchant Fees | NSF, origination, wire, UCC and other fees by type and date, with a subtotal per merchant. |
| Periodic Income | Each payment split into principal recovery, factor income, and fee income for the period. |
| Balance as of Date | Portfolio balances valued as of any historical date — useful for month-end reconciliation. |
| Net Funded | ACH debits and credits grouped by deposit date, net of returns, to match the bank statement. |
| ACH Returns | Returned transactions with return codes, fee-charged status, and return counts. |
| ACH Transactions | Bank transactions for a funding account over a date range, filterable by status, type, or transaction ID. |
| Commission | Commission earned by deal or period, including a Main row plus a Split row for each split. |
| Status Change | Advances that changed status in a range, with the cleared balance at the change. |
| Refi | Renewal activity and the percent paid before each refinance — a deal-health signal. |
| Syndicator Earnings | Per syndicator, the payments collected and the net earned and still owed; supports paying out. |
| Syndicator Invoices | What each syndicator was invoiced to participate (their buy-in), with amounts paid and still due. |
| Syndicator Payments | Payments paid out to syndicators, organized by payout date, then merchant/advance, then payment. |
| Syndicator Payable | An advance-by-advance, payment-by-payment reconciliation of what each syndicator is owed or was paid. |
| Advances Index Export | The large portfolio export covering every advance in the index, including the funder’s “My” share columns. |
| Yearly Summary | One row per advance per syndicator, with payments bucketed by calendar year. |
How do report columns work?
Report columns describe each advance, payment, fee, or syndicator line. Some columns are conditional: they appear only for certain roles or when a funder setting is turned on. For example, Funder Amount and Syndicated Amount appear only when the syndicated-breakdown setting is enabled, and disbursement columns such as Origination Fee Amount and Wire Fee Amount require the disbursement-information option.
A few columns are export-only and do not appear on screen, such as the Start Date and Note columns on the Merchant Payments Report. Others differ between the on-screen view and the Excel export — the Refi Report’s Total Paid includes pending payments on screen but counts only cleared payments in the export.
How do you run a report in MCA Track?
Reports run from the Reports launcher and most produce an Excel file. To run and reuse a report:
- Open the Reports screen and pick a common report button or an entry from the Advanced Reports list.
- Set the date range and any filters the report supports, such as status or funding bank account.
- Choose conditional options where available, such as the syndicated breakdown or identifier details.
- Generate the report; large exports run as background jobs that notify you when they are ready.
- Save frequently-run reports as named configurations so each period you only update the date range.
Reporting is one part of the wider servicing workflow. To see how the underlying numbers are produced, review how MCA Track records and schedules payments and how ACH processing creates the transactions these reports summarize. Syndicator-facing reports tie back to how syndication participation and management fees are configured, and the wider context lives in the MCA Track servicing guide.
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Frequently asked questions
MCA Track documents 24 reports and exports in total, covering merchant payments, fees, portfolio balances, ACH activity, commissions, and syndicator accounting.
Most reports export to Excel. Large exports run as background jobs that notify you when they are ready.
Some columns are conditional. They appear only for certain roles or when a funder setting is enabled, such as the syndicated-breakdown or disbursement-information options. A few columns are export-only and never appear on screen.
Yes. The Net Funded Report groups ACH debits and credits by deposit date, net of returns, so the totals match the bank statement, and the Balance as of Date Report values the portfolio as of any historical date for month-end reconciliation.