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.
Bank Statement Scrubbing and Cashflow Calculation
AutomateMCA reads every transaction line across 3–6 months of bank statements and builds a month-by-month cashflow summary. Before any metrics are calculated, the system strips non-revenue inflows: existing MCA deposits, SBA and term loan proceeds, interaccount transfers, and known recovery company credits.
What remains is the merchant's true operating revenue — the only number that actually matters when sizing a deal.
- Total monthly revenue — real revenue excluding bank transfers, other loans, and MCA deposits
- Low-balance day count and negative-day count per month
- Total monthly deposits and payments to other cash advances to calculate leverage
- Detection of current MCA positions and existing obligations
- Red flags and warnings for NSF patterns, overdrafts, cash stress, collections, and reverse loans
- Built to suit whatever your shop needs — custom thresholds and criteria
| Month | True Revenue | Low Bal Days | Neg Days | NSFs |
|---|---|---|---|---|
| Oct | $61,400 | 8 | 2 | 2 |
| Nov | $68,200 | 5 | 0 | 1 |
| Dec | $55,900 | 12 | 3 | 4 |
| Avg | $61,833 | 8.3 | 1.7 | 2.3/mo |
Current Positions Detection and Existing Obligation Mapping
Identifying existing positions is one of the primary factors in MCA underwriting. AutomateMCA identifies ACH debits that match known MCA funder patterns, estimates daily remittance amounts, and calculates what percentage of the merchant's daily deposits are already committed to existing positions.
The system flags when a merchant is in two or more active positions and surfaces the estimated payoff timeline based on visible debit patterns — giving your underwriters the information to decide whether a new position is viable before they spend time on a full review.
- Active position count estimated from ACH debit patterns
- Estimated total loan amount per position
- Payment frequency (daily/weekly) and payment amount per position
- Estimated amount remaining per identified position
- Warnings if payment amount, frequency, or pattern has changed
NSF, Overdraft, and Cash Flow Stress Indicators
NSF frequency and overdraft patterns are more predictive of default risk than almost any other metric in MCA underwriting. AutomateMCA tracks these at the transaction level, not just as a monthly count, so your team can see whether the account is trending better or worse and whether stress is clustered around specific dates — like remittance pulls.
- NSF count and returned item count by month
- Overdraft days and negative-balance days per month
- Low-balance days below configurable threshold
- Correlation between NSF dates and existing ACH pull dates
- Trend direction — improving, stable, or deteriorating
Repayment Capacity Analysis
Once the cashflow and obligation analysis is complete, AutomateMCA calculates the merchant's available capacity after accounting for existing obligations — and provides a recommended advance amount and factor rate range based on your criteria.
This is not a decisioning engine. It is a calculation layer that does the math your underwriters would otherwise do manually, consistently, across every deal.
- Available daily capacity after existing obligations
- Suggested advance amount range based on revenue and risk
- Factor rate range guidance based on risk profile
- Estimated term length at recommended payment
Automatic Contract Generation and DocuSign Delivery
When the merchant accepts an offer, the pipeline pulls the finalized deal data — advance amount, factor rate, daily payment, term, and merchant details — and populates your Word contract template automatically. A PDF is generated from the populated template and a DocuSign envelope is created and sent to the ISO (or merchant) without anyone opening a Word document.
The pipeline advances automatically when the contract is returned signed. Your closing team sees a completed file: analysis output, signed contract, and deal terms — all in one place before funding review.
- Contract template configured to your form — no generic default
- All deal fields pre-populated from pipeline data
- PDF generated and DocuSign envelope sent automatically on merchant acceptance
- Pipeline stage advances automatically on signature
- Each client's contract templates isolated — no cross-tenant access
What the pipeline produces
AutomateMCA produces three outputs across the deal lifecycle — underwriting analysis, offer email, and executed contract — all retained in the deal record.
Underwriting Output
Cashflow table, risk flags, existing positions summary, and offer sizing — formatted for underwriting review and committee decisions.
Offer
Generated automatically from your offer template when a deal passes criteria. Advance amount, factor rate, and payment terms delivered through the platform.
Executed Contract
PDF generated from your contract template, sent via DocuSign, and retained in the deal record. Fully executed contract available at the Closing stage.