A guide for MCA funders

Migrating out of spreadsheets is never fun

But neither is living with spreadsheets as your lending operating system. The difference is that if you choose the right platform, the pain of migrating is short-lived, and what comes after is an operation that actually runs without you holding it together by hand.

You already know this. Spreadsheets were never the plan — they were what you ran on until something better existed. The problem is that "until" tends to get pushed forward, and meanwhile your operation gets harder to run. The bigger your portfolio, the more the cracks show.

This guide covers what to do before you touch anything, what the spreadsheet-to-automated-platform migration actually looks like for an MCA shop, and what to watch out for so you don't disrupt live deals, break ACH schedules, or lose your collections context mid-move.

How to use this guide

Start with the diagnostic on the next section. It'll tell you whether you're ready to move or whether you still have prep work to do. Then follow the plan in order. Don't skip the parallel run section — that's where most migrations either succeed or fall apart.