MCA underwriting software
Underwrite MCA deals in minutes, not days
MCA Verify automates bank-statement analysis, produces an explainable deal risk score, and keeps an immutable audit trail your partners and regulators can trust.
Built for MCA funders, underwriting teams, and ISOs by the team behind MCA Track.
Why MCA Verify
Everything underwriting needs, in one workspace
Replace spreadsheets, email threads, and manual statement review with automated analysis you can defend.
Automated bank-statement analysis
Upload PDFs and MCA Verify parses deposits, negative days, and cash-flow trends automatically — no more manual tallying in spreadsheets.
Explainable deal risk score
Every deal gets a clear, defensible risk score with the factors behind it, so your team decides faster and more consistently.
Fraud & tampering detection
Surface edited statements, inconsistencies, and stacking signals designed to catch what a quick manual review can miss.
Immutable, compliance-grade audit trail
Every document, analysis, and decision is recorded in an audit log you can hand to partners or auditors.
Faster time-to-decision
Move deals from New to Decided in one pipeline, with AI-drafted credit memos to speed up review.
Purpose-built for MCA
Not a generic loan-origination system — MCA Verify is built around how funders actually underwrite advances.
How it works
From bank statements to a decision you can defend
STEP 1
Upload documents
Add a new lead and upload bank statements and supporting documents.
STEP 2
Automated analysis
MCA Verify analyzes cash flow, flags risks, and checks statements for tampering.
STEP 3
Score & credit memo
Get a transparent risk score and an AI-drafted credit memo to review.
STEP 4
Decide with an audit trail
Approve or decline in your pipeline — every step is recorded automatically.
The platform
One system for the whole underwriting workflow
Deal pipeline & board
Track every deal from New to In Review to Decided on a shared board so nothing slips.
Bank-statement analysis
Automated parsing of deposits, balances, negative days, and cash-flow trends.
Explainable risk scoring
A defensible score with the underlying factors, so decisions are consistent and reviewable.
AI credit memos
Draft credit memos automatically from the analysis to accelerate review.
Audit log & compliance
An immutable record of documents, analyses, and decisions for partners and auditors.
ISO & user management
Manage ISOs, users, and roles so submissions and access stay organized.
A worked example
What an explainable score actually looks like
A real deal, scored. Base 60, every adjustment itemised and traceable back to the finding that caused it.
| Statement screen score 44 (4 statements) | −9.6 |
| 4 existing MCA obligations | −24 |
| 30 NSF / overdraft events | −12 |
| Possible document tampering | −20 |
| 8 years in business | +8 |
| Strong true revenue | +6 |
Final score: 8 out of 100. Higher is safer. A credit committee can follow every line of that arithmetic.
Who it’s for
Made for the people who underwrite advances
Funders & lenders
Heads of underwriting, ops, and risk who need faster, more consistent decisions.
Underwriting teams
Managers and analysts who live in the deal every day and want less manual work.
ISOs & brokers
Submit deals and track status through a clean, organized channel.
Compliance officers
A defensible audit trail and controls for every decision.
Learn
Read it before you book anything
The whole product is documented in public, screen by screen. Judge the fit before you talk to us.
The full user guide
Every screen in the platform, from a forwarded broker email to a recorded decision.
Cash flow underwriting
What it is, what data it uses, and the three places it breaks down.
Avoiding defaults
The five statement signals that predict trouble, and how to size a payment that survives.
Compared with Ocrolus
Where a broad analysis platform fits, and where a purpose-built one does.
FAQ
Questions funders ask
What is MCA Verify?
MCA Verify is B2B underwriting software for the merchant cash advance industry. It ingests bank statements, analyzes cash flow, produces an explainable deal risk score, drafts credit memos, and records every decision in an audit trail. It is software for funders — not an advance or funding offer to merchants.
How does automated bank-statement analysis work?
You upload statements to a deal, and MCA Verify parses deposits, balances, negative days, and cash-flow trends, and checks for signs of tampering — turning manual spreadsheet review into an automated, reviewable analysis.
How is this different from a spreadsheet or a generic LOS?
MCA Verify is purpose-built for MCA underwriting. Instead of spreadsheets and email threads, you get automated statement analysis, an explainable risk score, and a compliance-grade record of every decision in one place.
Can ISOs submit deals?
Yes. MCA Verify includes ISO and user management so brokers can submit deals and your team can manage access and roles.
Is our data kept secure?
Documents, analyses, and decisions are recorded in an immutable audit log designed for compliance and partner review. We can walk through data handling in a demo.
See MCA Verify on your deals
Book a 20-minute demo and we will walk through underwriting a live deal — analysis, risk score, and audit trail.