Built by people who understand MCA underwriting

The problem we are solving

MCA underwriting is fundamentally a data extraction and calculation problem. A submission comes in with 3–6 months of bank statements. An underwriter manually pulls ADB figures, counts NSFs, estimates existing ACH obligations, checks for stacking, and calculates whether the merchant can support a daily remittance at your factor rate.

That process takes 20–45 minutes per deal when done carefully. It produces different results depending on who does it. It does not scale without hiring more people. And the work is not really underwriting — it is data preparation before the actual underwriting judgment can happen.

AutomateMCA does the data preparation. Your underwriters do the underwriting.

What we are not

We are not a full MCA lending operating system. We do not handle ISO management, ACH disbursement, remittance collection, syndication, or CRM. There are good platforms that do those things — Centrex, timvero, Cloudsquare. AutomateMCA integrates with them.

We are also not a decisioning engine. We do not approve or decline deals. We extract data, calculate metrics, and surface risk signals. The credit decision stays with your underwriters. That is intentional.

Who we work with

Our customers are direct MCA funders who underwrite their own deals, ISO desks that want to pre-screen submissions before sending them to funders, and syndication operations that need consistent cashflow analysis across a deal portfolio. The common thread is volume — teams handling more submissions than they can process manually without adding headcount.