1) Review Delinquency Buckets

Every week, review active delinquencies by aging bucket — not just total outstanding.

• Current vs 1–7 days late
• 8–14 days late
• 15–30 days late
• 30+ day default candidates

2) Monitor Exposure & Concentration

As deal volume grows, exposure concentration becomes more material. Weekly visibility should include:

• Total outstanding receivables
• Exposure by industry
• Geographic concentration
• Top 10 merchant exposures
• Broker/source concentration

A spike in one industry or source can quietly shift your risk profile.

3) Review NSF & Exception Trends

Isolated NSFs happen. Patterns are what matter.

• Total NSFs this week vs prior week
• Merchants with 2+ recent NSFs
• Retry success rates
• Accounts flagged for servicing escalation

4) Evaluate Renewal & Payoff Pipeline

Growth and liquidity depend on predictable renewals.

• Merchants approaching 50–60% paydown
• Pre-qualified renewal candidates
• High-risk accounts unlikely to renew
• Projected payoff cash inflows

A clean weekly renewal view supports capital planning and revenue forecasting.

5) Leadership Snapshot

At the end of the weekly review, leadership should have a 5-minute snapshot:

• Portfolio size + active deal count
• Current delinquency percentage
• Week-over-week change in risk exposure
• Liquidity outlook (next 30 days)

Final Thoughts

A weekly portfolio visibility routine reduces surprises. Scaling funders move from reactive collections to proactive risk management by building this rhythm into their MCA software and reporting workflows.

Frequently Asked Questions