The full deal pipeline — automated and equipped with an AI underwriter
AutomateMCA automates your deal pipeline from bank statement intake through contract generation and DocuSign delivery, with an AI underwriter built to your shop's exact criteria. Here is exactly what ships today and what we are building next.
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 Analysis
Capacity calculation based on revenue and existing obligations. Advance amount range and factor rate guidance based on your criteria and the deal's risk profile.
Offer Generation
Offer generated automatically when a deal passes your criteria. Advance amount, factor rate, and payment terms populated from pipeline data and delivered through the platform.
Contract Generation and DocuSign Delivery
Deal data pre-fills your Word contract template. PDF generated automatically. DocuSign envelope created and sent on merchant acceptance. Signature status tracked in the pipeline.
Multi-Tenant Isolation
Each client's deals, contract templates, underwriting rules, and analysis outputs are fully isolated. No data is shared across tenants.
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.
Funding ACH Initiation
Initiate the funding ACH directly from the platform at the Closing stage. Eliminates the manual step of entering deal details into your ACH processor after closing review.
Deal Performance Tracking
Track ACH remittance activity on funded deals. Surface early default signals — NSF patterns, payment failures, remittance gaps — before they become losses.
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 bank statements directly; AutomateMCA returns analysis before the file reaches your underwriting queue.