Automated Underwriting

Automated Underwriting for Merchant Cash Advance

Run the full MCA underwriting workflow — from lead intake through credit decision — with AI handling bank statement analysis, stacking detection, and affordability, so underwriters decide faster and more consistently.

See MCA Verify(800) 622-7130
The Workflow

The MCA underwriting workflow

A merchant cash advance moves through a defined sequence before money goes out. Automated underwriting addresses the decision phase:

  1. Lead intake — a deal enters the pipeline, submitted by a funder-side user, often on behalf of an ISO.
  2. Document collection — bank statements and supporting documents are gathered on the lead.
  3. Bank statement analysis — AI extracts deposits, balances, NSFs, and recurring debits across three to four months.
  4. Risk checks — stacking detection and affordability are calculated against the deal terms.
  5. Decision — the underwriter reviews the structured analysis, records a decision, and the deal is ready for funding.
Why It Matters

Where automation saves the most time

The bottleneck in MCA underwriting is a human reading statements line by line. Automating extraction collapses hours of data entry into minutes and produces a consistent, auditable record for every deal — so decisions don’t vary with whoever happened to review the file.

What Gets Automated

Three checks, handled automatically

AI Bank Statement Analysis
Read deposits, daily balances, NSF events, and recurring debits and validate that statements reconcile. Learn more.
Stacking Detection
Match recurring debits against each funder’s configurable list of competitor ACH descriptors to flag existing advances. Learn more.
Affordability & Holdback
Combine extracted cash flow with requested advance, factor rate, and holdback to size what the business can support. Learn more.
Hand-off

How an approved deal becomes funded

Automated underwriting ends at the credit decision. From there, an approved deal moves into the funding lifecycle — offer, contract, and funding. MCA Verify is built to hand approved deals to MCA Track at the point of funding, so nothing is re-keyed between underwriting and servicing.

Meet MCA Verify

Automated underwriting, built for funders

MCA Verify is MCA Track’s automated underwriting product — AI bank statement analysis, stacking detection, and affordability in one workflow, built for the underwriting lifecycle.

See MCA Verify
FAQ

Frequently asked questions

What is automated MCA underwriting?
It is the use of software to run the merchant cash advance underwriting process — intake, bank statement analysis, stacking and affordability checks, and the credit decision — with AI automating the data-heavy steps while underwriters make the final call.
What does an MCA underwriter evaluate?
Primarily the merchant’s cash flow: revenue and deposits, average and daily balances, NSF and overdraft events, whether other advances are already being collected (stacking), and whether the business can afford the requested advance given its holdback capacity.
Does automation replace the underwriter?
No. Automation removes the manual data entry and produces a consistent, auditable analysis; the underwriter reviews it, can override low-confidence results, and records the decision.
How long does MCA underwriting take with automation?
The slowest step — manually reading three to four months of statements — is reduced from hours to minutes, so a deal can move from documents to decision substantially faster than a fully manual review.

About Automated MCA Underwriting

MCA Track is a merchant cash advance software platform operated by Unity FI Solutions LLC, headquartered in Charlotte, NC. Its automated underwriting product, MCA Verify, runs the underwriting workflow from lead intake to credit decision with AI bank statement analysis, stacking detection, and affordability calculation.

Related: AI Bank Statement Analysis · MCA Stacking Detection · Cash Flow & Affordability · MCA Verify