MCA Verify · By MCA Track

AI Underwriting for Merchant Cash Advance

MCA Verify runs the full underwriting workflow — from lead intake to credit decision — with AI-driven bank statement analysis at its core. Built by MCA Track, powered by Unity Fi’s in-house AI.

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In-House AI

No per-document fees

Stacking Detection

Funder-configurable

Affordability

Holdback & factor rate

By MCA Track

Since 2010

What Is MCA Verify

Purpose-built for the underwriting lifecycle

MCA Verify is a standalone underwriting application for cash advance funders that runs the full underwriting workflow — from lead intake to credit decision — with AI-driven bank statement analysis as its core differentiator. It operates alongside MCA Track and hands approved deals off to servicing at the point of funding. MCA Verify has its own home online at mcaverify.com, where you can see the product and book a demo.

Capabilities

What MCA Verify does

Everything an underwriter needs to take a lead from intake to decision — in one workflow.

Deal Intake & Pipeline

Leads enter and move through a workflow built for underwriting — kept separate from your funded-merchant servicing data.

Document Management

Bank statements and supporting files collected and organized on each lead.

AI Bank Statement Analysis

Deposits, balances, NSFs, recurring debits, and statement-math validation across 3–4 months. Learn more.

Stacking Detection

Recurring debits matched against your configurable list of competitor ACH descriptors. Learn more.

Affordability

Extracted cash flow combined with requested advance, factor rate, and holdback. Learn more.

Comments, Audit Log & Decisions

A complete, auditable record from intake to decision — every figure tied back to its source.

The Difference

Owns the AI — doesn’t rent it

Most MCA platforms either rely on third-party document services with per-file fees or offer no AI bank statement analysis at all. MCA Verify keeps the AI layer in-house and tuned for MCA, so funders own their differentiator. See the full Ocrolus alternative comparison.

	General document service	MCA Verify
Built for	Lending broadly	Merchant cash advance
Pricing	Typically per-document	Bundled into the platform
Analysis layer	Third-party, integrated	Owned & tuned in-house
Stacking detection	Build it yourself	Native, funder-configurable
Affordability / holdback	Build it yourself	Native to the workflow
Scope	Analysis only	Intake to decision

Integration & Roadmap

How it fits with MCA Track

MCA Verify handles underwriting; MCA Track handles servicing. When a deal is approved and funded, MCA Verify is built to hand it to MCA Track so a funded merchant is created without manual re-keying — one path from lead to funded account.

The first release covers the decision phase end to end. Planned next: offer generation and pricing, contract templates and e-signature, and the automated funding handoff — followed by credit-bureau and KYC integrations, risk scoring, an ISO self-service portal, and reporting.

FAQ

Common questions about MCA Verify

What is MCA Verify?

MCA Verify is automated underwriting software for merchant cash advance funders, built by MCA Track. It runs the underwriting workflow from lead intake to credit decision, with AI bank statement analysis, stacking detection, and affordability calculation. Its own site is mcaverify.com.

Who is MCA Verify for?

Cash advance funders and their underwriting teams. Funder-side users manage deals, including on behalf of ISOs, with role-based access and tenant isolation.

How is MCA Verify different from document services like Ocrolus?

MCA Verify is MCA-native and owns its AI analysis layer in-house rather than charging per document for general-purpose extraction. It includes MCA-specific stacking detection and affordability inside the underwriting workflow.

Does MCA Verify connect to MCA Track?

Yes. It is designed to hand approved, funded deals to MCA Track without re-keying, so underwriting and servicing share one path.

Get Early Access

Be first to use MCA Verify

MCA Verify is in active development. Sign up to get early access, product updates, and a walkthrough as soon as it’s ready — or visit mcaverify.com to book a demo now.

Visit MCAVerify.com

About MCA Verify

MCA Verify is an automated underwriting product for merchant cash advance funders, built by MCA Track and operated by Unity FI Solutions LLC, headquartered in Charlotte, NC. It provides AI-driven bank statement analysis, MCA stacking detection, and affordability calculation across the underwriting lifecycle — from lead intake to credit decision — and hands approved deals to MCA Track for servicing. Learn more at mcaverify.com.