Contractor MCA AI Prompt Pack

Write a professional Letter of Explanation for a gap month in my contractor bank statements. I need to attach this to an MCA application. Business context: - Contractor type: [TYPE] (e.g., general contractor, electrical, plumbing, roofing) - Years in business: [YEARS] - Typical monthly revenue: $[NORMAL_MONTHLY_REV] Gap month details: - Month/Year with low deposits: [MONTH/YEAR] - Deposits that month: $[GAP_MONTH_AMOUNT] - Reason: [REASON] (e.g., "Project close-out period between two jobs" / "Weather delays pushed start date" / "Municipal permit delays held up project mobilization") Current status: - Active contracts now: [CURRENT_CONTRACTS] - Expected next project revenue: $[NEXT_PROJECT_REV] starting [DATE] Write a 2–3 paragraph professional explanation letter that contextualizes the gap month and demonstrates current project pipeline strength.

Write a Letter of Explanation for highly variable monthly deposits across my contractor bank statements. The inconsistency reflects project billing cycles, not business instability. My 3-month deposit history: - Month 1 ([MONTH]): $[AMOUNT1] - Month 2 ([MONTH]): $[AMOUNT2] - Month 3 ([MONTH]): $[AMOUNT3] Explanation context: - Contractor type: [TYPE] - Payment structure of my projects: [STRUCTURE] (e.g., "draw-based — I receive payment when milestones complete, not on regular intervals") - What caused the variation: [CAUSE] Active pipeline supporting forward revenue: - Project 1: [DESCRIPTION], value $[VALUE], expected payment $[PAYMENT] in [TIMEFRAME] - Project 2: [DESCRIPTION], value $[VALUE], expected payment $[PAYMENT] in [TIMEFRAME] Write a clear, professional explanation that a lender or underwriter would find credible.

Analyze the cash flow gap for a construction project and calculate how much working capital I need. Project details: - Contract type: [TYPE] (e.g., residential remodel, new construction, commercial TI) - Total contract value: $[CONTRACT_VALUE] - Project start date: [DATE] - Payment structure: [STRUCTURE] (e.g., "20% deposit, 40% at rough-in, 30% at drywall, 10% at completion") - Estimated completion: [DATE] Upfront costs I need to cover: - Materials (Week 1–3): $[MATERIALS] - Labor (weeks before first draw): $[LABOR] - Equipment rental: $[EQUIPMENT] - Other: $[OTHER] First draw expected: [DATE] for approximately $[FIRST_DRAW_AMOUNT] Calculate: 1. Maximum cash exposure (how much I'm out before first payment) 2. Capital gap duration (days between first dollar spent and first dollar received) 3. Recommended advance amount to cover this project 4. Whether an MCA makes sense vs. waiting for the draw

I'm managing multiple projects simultaneously and need to calculate my total working capital need. Project A: - Start date: [DATE], contract value: $[VALUE] - Upfront costs before first draw: $[COSTS] - First draw expected: [DATE] for $[AMOUNT] Project B: - Start date: [DATE], contract value: $[VALUE] - Upfront costs before first draw: $[COSTS] - First draw expected: [DATE] for $[AMOUNT] Project C (if applicable): - Start date: [DATE], contract value: $[VALUE] - Upfront costs before first draw: $[COSTS] - First draw expected: [DATE] for $[AMOUNT] My current operating account balance: $[BALANCE] Calculate my maximum simultaneous capital exposure, identify the highest-pressure week for cash flow, and recommend the minimum advance amount I need to mobilize all three projects without a cash crisis.

I want to avoid taking more MCA than I need. Help me calculate the right advance size for my situation. My use of funds: 1. Project mobilization capital: $[AMOUNT] 2. Materials for upcoming projects: $[AMOUNT] 3. Payroll bridge (days until next draw): $[AMOUNT] 4. Equipment purchase or rental: $[AMOUNT] 5. Other working capital needs: $[AMOUNT] My average monthly deposits: $[MONTHLY_DEPOSITS] My expected deposits in the next 90 days: $[NEXT_90_DAYS] What I was offered: $[OFFERED_AMOUNT] at factor rate [FACTOR_RATE] Calculate: 1. My actual working capital need (sum of uses + 15% buffer) 2. Whether I should take the full offer or negotiate down 3. Daily payment on both amounts at the offered factor rate 4. How each amount affects my monthly cash flow 5. Recommendation: accept full offer, negotiate down, or request more?

Help me plan how to manage MCA daily payments alongside my project draw schedule. My MCA: - Advance amount: $[ADVANCE] - Daily payment: $[DAILY_PAYMENT] - Total term: [TERM_DAYS] business days - Start date: [DATE] My project draw schedule (upcoming 3 months): - [DATE]: Expected draw of $[AMOUNT] from [PROJECT] - [DATE]: Expected draw of $[AMOUNT] from [PROJECT] - [DATE]: Expected draw of $[AMOUNT] from [PROJECT] My baseline monthly deposits (non-draw): $[BASELINE] Map out my monthly cash flow for the next 3 months showing: 1. Available cash each week 2. Weeks where I may be tight (below $5,000 buffer) 3. Recommended minimum account balance to maintain 4. Whether I should pay down the MCA faster when draws arrive