What is live and what is on the roadmap
AutomateMCA is a focused underwriting analysis tool, not a full MCA operating system. Here is exactly what ships today and what we are building next.
Current capabilities
Bank Statement Analysis
PDF and image statement parsing. True revenue calculation with MCA/loan inflow stripping. ADB, gross deposits, debit-to-deposit ratio, ending balance trend.
NSF and Overdraft Tracking
Transaction-level NSF and returned item detection. Overdraft days, negative-balance days, and low-balance days with configurable thresholds.
Stacking and Position Detection
ACH debit pattern matching against known MCA remittance signatures. Active position count estimation, daily obligation mapping, and stacking risk score.
Repayment Capacity Modeling
Holdback-rate parameterized capacity calculation. Advance amount range and factor rate guidance based on your buy rates and the deal's risk profile.
Underwriter PDF Output
One-page deal summary formatted for internal review and committee decisions. Includes cashflow table, risk flags, stacking summary, and offer sizing.
In development — not yet available
The following features are on the product roadmap. They are not currently available. Timelines are estimates and subject to change.
API Access
JSON API response with all analysis fields. Webhook support for real-time pipeline updates. Full API documentation and authentication via API keys.
CSV Export
Flat file output for teams that stage deals in spreadsheets before CRM entry. Column headers match your existing template on request.
CRM Integration
Direct field mapping to Salesforce, Pipedrive, Centrex, HubSpot, and custom CRM schemas. Automated data push to your existing underwriting pipeline.
Processor Statement Ingestion
Direct parsing of credit card processor reports (Fiserv, TSYS, Square, Stripe). Reconciles processor volume against bank deposits to validate reported credit card revenue.
UCC Search Integration
Automated UCC lien search by state. Surfaces existing secured creditors, identifies MCA funders by filing name, and maps lien position hierarchy.
Renewal and Re-Up Modeling
For existing merchants, pulls prior advance history and current payoff balance. Models renewal offer sizing based on payment history and current cashflow.
ISO Submission Portal
White-labeled submission portal for your ISO network. Brokers upload packets directly; AutomateMCA returns analysis before the file reaches your underwriting queue.
Works with your existing stack
No native integration with your CRM? AutomateMCA outputs clean JSON and CSV. Your team or developer can map fields in an afternoon. We provide documentation and field mapping support during onboarding.