Our latest API integration is now live: Idea Financial.
When you submit to Idea Financial via API, we'll automatically:
Submit the Deal info (business details and all owner details)
Upload documents (application and bank statements, if available)
Check the submission status and bring the response straight into MCA Pilot
Capture offer details, offer links, and stips required (when applicable)
Tip: If you hover over the Submission, you'll see a Check Status button which gets a live update from Idea Financial and updates the Submission.
Setup Instructions
Click here to email Jimena Martinez at Idea Financial asking to get set up with API credentials
You'll receive your credentials which will include a username, password, client ID, and client secret
In MCA Pilot, go to the Funders page and create or click into Idea Financial
Under the Submission Method tab, click the Edit button in the top right corner
Choose API Integration as the Submission Method
Select Idea Financial for API Funder and Development for API Environment
In the API Key field, enter your username, password, client ID, and client secret separated by commas (e.g., [email protected],MyPassword123,abc123clientid,xyz789clientsecret)
Submit a test Deal that has all the required info
If successful, contact Idea Financial to confirm the test and request production credentials
Once you receive your production credentials, go back to your Idea Financial funder, enter the new credentials into the API Key field, and change the API Environment to Production
Important: Originator Phone Number
Idea Financial requires a mobile phone number for the agent submitting the deal. MCA Pilot uses the deal originator as the agent. If the deal has no originator, it will fall back to the user who clicked Submit.
To make sure this works, every user who originates deals must have a phone number on their profile. Here's how to add one:
Go to the Users page in MCA Pilot
Click into the user's profile
Update the Phone field with their mobile phone number
Save the changes
If the originator's phone number is missing, the submission will error with: "Agent/Originator phone number (required by Idea Financial)"
Required Fields
Business Info:
Business name
Legal structure (LLC, Corporation, Sole Proprietorship, Partnership, etc.)
Business address (street, city, state, zip code)
EIN / Tax ID (must be 9 digits)
Business phone number
Monthly revenue — if Annual Revenue is filled in, we'll calculate it from there. If not, we'll estimate it from your most recent bank statement deposits
Owner Info (for each owner on the deal):
First and last name
Email address
Residential address (street, city, state, zip code)
Date of birth
Phone number
Social Security Number (must be 9 digits)
Ownership percentage
Documents (recommended, not required):
Application for API
Bank statements
Smart Defaults
To help your deals go through smoothly, MCA Pilot will automatically fill in certain values if they aren't provided:
Annual Revenue: If not entered, it's calculated from the average deposits across your most recent bank statements
Amount Requested: If not entered, it defaults to 2x the monthly revenue. If revenue is also unavailable, it defaults to $25,000
FICO Score: Defaults to 650 if not provided
NAICS Code: Defaults to 999999 (general) if no industry is set on the deal
Submission Status Mapping
Idea Financial returns various statuses that are automatically mapped to MCA Pilot statuses:
Idea Financial Status | MCA Pilot Status |
Draft, Processing | Sent |
Submission Incomplete, Dormant | Pending |
Conditional Offer, Offer, Closing, Contract Ready, Contract Out, Closing Incomplete | Approved |
Funded, Closed, Open | Funded |
Declined, Not Interested, Abandoned | Declined |
When a deal is Approved, MCA Pilot will also automatically create an Offer record with the offer details, including the amount, rate, term, frequency, stips required, and a link to Idea Financial's online checkout page.
Important Notes
All owners on the deal will be submitted to Idea Financial (not just the primary owner)
After a successful submission, MCA Pilot automatically checks the status and updates the Submission with the latest response
The Application Number returned from Idea Financial will be saved to the Submission in MCA Pilot
If the deal is approved, offer details including stips and checkout links are captured automatically
You must complete integration testing in the Development environment before Idea Financial will enable your Production access
Note: If an API Submission errors, hover over the Submission and click View error to see what's wrong. You can fix the missing information and resubmit.
If you have a question or run into any issues, please respond directly in the chat or contact +1 888-501-1477 for the fastest response.