Get instant underwriting decisions in 45 seconds
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From upload to funding in 45 seconds

See exactly how our AI transforms the underwriting process from hours to seconds

01

Upload Documents

Application and 3 months of bank statements

Processing time: < 30 seconds
  • Drag & drop PDF or CSV files
  • Automatic document validation
  • OCR processing for scanned documents
  • Real-time upload status
  • Secure encrypted storage
02

AI Analysis

Our AI processes and underwrites the deal

Processing time: 45-60 seconds
  • Statement parsing and transaction categorization
  • Position detection (deposits vs transfers)
  • NSF analysis and frequency scoring
  • True revenue calculation
  • Risk assessment and scoring
  • Soft offer generation
03

Merchant Review

Secure login and contract execution

Processing time: 5-15 minutes
  • OTP login via email/SMS/WhatsApp
  • Transparent score explanation
  • Offer terms review
  • Built-in e-signature
  • Funding call scheduling
  • ACH setup initiation

What happens behind the scenes

Advanced AI processing that delivers human-level accuracy in seconds

Document Processing

Advanced OCR and data extraction

  • Supports PDF, CSV, Excel formats
  • Bank statement reconciliation
  • Transaction categorization
  • Data quality validation
  • Duplicate detection

Risk Assessment

Multi-factor risk analysis

  • Revenue stability analysis
  • NSF pattern recognition
  • Seasonal adjustment factors
  • Industry risk scoring
  • Credit decision rationale

Offer Generation

Automated pricing and terms

  • Dynamic factor calculation
  • Term optimization
  • Payment amount sizing
  • Holdback percentage
  • Renewal pre-qualification

Secure merchant authentication

Multiple verification methods ensure security without friction

Email OTP

Secure 6-digit code sent to registered email

Instant delivery

SMS Verification

Text message with verification code

Delivered in seconds

WhatsApp

WhatsApp message with login code

Real-time delivery

Complete timeline: Upload to funding

0:00
Application and statements uploaded
0:30
Documents validated and processing begins
1:15
AI analysis complete, soft offer generated
1:30
Merchant notified via email/SMS/WhatsApp
5:00
Merchant logs in with OTP verification
10:00
Contract reviewed and e-signed
15:00
Funding call scheduled
Same day
Funds transferred, ACH collection starts

Ready to experience the speed?

See our 45-second underwriting process in action with a live demo