Built by people who understand the full MCA deal lifecycle

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. And the work is not really underwriting — it is data preparation before the actual underwriting judgment can happen.

When a deal gets approved, someone generates an offer email. When the merchant accepts, someone opens a Word document, types in the deal terms, converts it to a PDF, and sends it to DocuSign. When the contract comes back signed, someone manually advances the deal to closing. None of that is skilled work. All of it takes time, costs money, and introduces error.

AutomateMCA automates every repeatable step in that chain. Your underwriters review decisions — they do not prepare data. Your closers fund deals — they do not process documents.

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 deal volume — and the operational cost of scaling it manually. AutomateMCA removes the labor cost at the steps where labor adds no value: data extraction, document generation, and contract routing.

How it is built

AutomateMCA is custom-configured for each shop. Underwriting rules, risk thresholds, decline criteria, offer templates, and contract templates are all set up to match how your operation works — not a generic default. The system produces outputs that fit directly into your existing review workflow.

The platform is multi-tenant. Each client's deals, outputs, contract templates, and underwriting rules are fully isolated. No data crosses account boundaries. Your merchants, your decisions, and your documents are never visible to other clients on the platform.