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The complete MCA platform

From AI underwriting to investor management, everything you need to scale your lending business.

Six powerful modules, one platform

Every feature built specifically for MCA lending workflows

AI Underwriter

Intelligent document processing with configurable criteria

  • Statement parsing with position detection
  • NSF analysis and risk scoring
  • True revenue calculation vs. transfers
  • Configurable factor min/max settings
  • Custom deal size and term parameters
  • Risk-based soft offer generation

Multi-Portal System

Dedicated interfaces for every stakeholder

  • ISO/Broker submission portal
  • Lender admin and oversight dashboard
  • Sales rep workspace with auto-assignment
  • Merchant self-service with AI chat
  • Investor syndication and tracking
  • Role-based access control

Workflow Automation

Smart notifications and process automation

  • WhatsApp and email notifications
  • Auto-assignment to available reps
  • Bounce handling and collections routing
  • Contract and approval pools
  • Automated status updates
  • Custom workflow triggers

ACH & Funding Integration

Seamless funding and collection management

  • Native Actum and GoACH integration
  • Automated batch processing
  • Bounce detection and handling
  • Manual wire options
  • Real-time collection tracking
  • Funding status automation

Investor Syndication

Complete transparency for investment partners

  • Deal allocation by percentage
  • Real-time return calculations
  • Daily payment tracking
  • Portfolio performance metrics
  • Contract and document access
  • Automated investor reporting

Advanced Analytics

Deep insights into your lending operations

  • Underwriting performance metrics
  • Rep productivity tracking
  • Deal flow analysis
  • Risk assessment reports
  • Conversion rate optimization
  • Custom dashboard creation

Portals for every user

Each stakeholder gets a tailored experience with the tools they need

ISO/Broker Portal

  • One-screen deal submission
  • Real-time status tracking
  • Commission calculations
  • Document upload center
  • Performance analytics
  • Mobile-optimized interface

Lender Dashboard

  • Underwriting criteria management
  • Deal flow oversight
  • Rep performance monitoring
  • Risk parameter configuration
  • Batch processing controls
  • System-wide analytics

Sales Rep Workspace

  • Auto-assigned deal queue
  • Follow-up reminders
  • Client communication tools
  • Deal progress tracking
  • Commission forecasting
  • Mobile accessibility

Merchant Dashboard

  • Application status visibility
  • AI chat support
  • Document requirements
  • E-signature workflow
  • Payment schedule access
  • Support ticket system

AI that understands banking

Our AI doesn't just read numbers—it understands the story behind them. Trained on millions of bank statements and MCA deals.

Distinguishes between real revenue and account transfers
Identifies NSF patterns and frequency
Calculates true time-in-business from statement history
Detects seasonal patterns and trends
Flags potential red flags automatically
Generates risk scores with explanations

Configurable Criteria

Factor Range
1.15x - 1.45x
Min Monthly Revenue
$25,000
Term Days
180 - 365
Deal Size Range
$5K - $500K

Built for the MCA ecosystem

Native integrations with the tools you already use

Actum Integration

Direct ACH processing with automated collections and bounce handling

GoACH Support

Seamless batch processing with real-time status updates

E-Sign Built In

No third-party tools needed—contracts signed with OTP verification

See UnderwriteX in action

Book a personalized demo to see how our platform can transform your lending operations