Does MCA Track support syndication and broker commission?

Both, natively. Syndication partners can co-fund a share of an advance and receive a proportional share of collections less the funder's fees, with positions and payouts tracked per partner. Broker commission is tracked per partner per deal, with a white-label portal for partners to submit and track deals.

Australia

Merchant Cash Advance Software for Australian Funders

Q: Does MCA Track work for Australian funders?

Yes. MCA Track runs the full advance lifecycle including intake, underwriting, contracts, servicing, syndication, broker commission, renewals and reporting, and integrates the payment provider you already use, so the collection rail stays local while the servicing platform changes.

Q: Can merchant cash advance software handle daily and weekly collections?

Yes. High-frequency collection is the normal case in MCA Track rather than an edge case. Daily and weekly debits, splits, credits and dishonours are all recorded against the advance, and performance is measured against expected collection pace.

Factor-rate deals, daily and weekly direct debit on the payment provider you already run, syndication, broker commission and renewals — in one platform built for advances rather than loans. Serving cash advance funders since 2010.

Book a Walkthrough Coming from finPOWER?

The Problem

Australian cash advance runs on software built for something else

Business cash advance and revenue-based finance have grown quickly in Australia, but the software has not kept pace. Most funders here end up on one of three things: a lending platform built for amortising consumer and commercial credit, a general-purpose CRM bent into shape, or a spreadsheet bolted to a direct entry file.

All three work until volume arrives. Then the cracks show in the same places every time — reconciling daily debits against an instalment schedule that was never meant to run daily, tracking what each syndication partner is owed, working out which deals are eligible for a renewal, and paying broker commission accurately across a book that is turning over constantly.

The root cause is that an advance is not a loan. There is no principal, no interest accrual and no amortisation. There is an advance amount, a factor rate, a fixed payback, and a collection pace. Software that models interest will always be approximating.

What You Get

Built for the way advances actually work

Factor-rate deal maths

Advance amount × factor rate = payback, fixed at funding. Balance, percentage paid and a performance score against expected pace — not arrears buckets.

Daily & weekly direct debit

High-frequency debit scheduling, credits, splits and dishonour handling, every movement recorded against the advance.

Your payment provider

Provider-agnostic. Keep Monoova, Zepto, another direct entry bureau or your bank’s facility — we integrate what you already run.

Syndication

Partners co-fund a share of a deal and take a proportional share of collections. Positions, payouts and per-partner statements tracked both ways.

Broker commission & portals

Commission per broker per deal, plus a white-label portal your partners log into to submit deals and track their own pipeline.

Renewals & reups

Close the current advance, carry the balance into a new one on new terms, keep the full repayment history intact.

Bank-statement underwriting

MCA Verify reads statements for cash flow, days in negative and dishonours, runs stacking detection, and drafts a credit memo.

Portfolio view

A live dashboard of exposure and repayment pace across the book — which deals are ahead, which are behind.

Reporting & exports

Collections, balances, dishonours and syndication reporting, exportable, with large jobs running in the background.

Payments

You keep the rail. We change the system around it.

MCA Track is payment-provider agnostic. Whatever you collect through today — Monoova, Zepto, another direct entry bureau, or a facility with your own bank — we integrate it rather than requiring you to move.

That is deliberate, and it is the single most important thing to get right on a platform switch. The collection rail carries the most operational risk in the business: mandates, dishonour codes, settlement timing, reconciliation, and the relationships behind all of it. Replacing your servicing platform is a large enough change on its own. Doing it at the same time as changing how money moves is how migrations go wrong.

Switching

Coming off a lending platform

Most Australian funders we speak to are running a loan core — frequently finPOWER Connect, which is the dominant platform for non-bank lending in this market and a strong one for amortising credit. Moving a cash advance book off it is mainly a data-modelling exercise: principal and precomputed interest become advance amount, factor rate and payback; instalment schedules become direct debit schedules; borrower records become merchants; and repayment history comes across intact so your performance data survives the move.

Already on finPOWER Connect?

We wrote a detailed, sourced comparison of the two platforms — what each one models, where finPOWER is the better answer, and what a migration actually involves.

Read the finPOWER Connect comparison →

FAQ

Frequently asked questions

Does MCA Track work for Australian funders?

Yes. MCA Track runs the full advance lifecycle — intake, underwriting, contracts, servicing, syndication, broker commission, renewals and reporting — and integrates the payment provider you already use, so the collection rail stays local while the servicing platform changes.

Which payment providers can MCA Track work with?

MCA Track is provider-agnostic and integrates the provider you already run. In Australia that typically means Monoova, Zepto, another direct entry bureau, or a direct facility with your bank. Tell us what you collect through and we integrate it.

What is merchant cash advance software?

Software that manages the life of a cash advance rather than a loan: the deal pipeline, underwriting, contracts, the direct debit schedule that collects the payback, syndication partners, broker commission and renewals. It models a purchase of future receivables priced on a factor rate, which is different maths from an amortising loan.

Can it handle daily and weekly collections?

Yes — high-frequency collection is the normal case rather than an edge case. Daily and weekly debits, splits, credits and dishonours are all recorded against the advance, and performance is measured against expected collection pace.

Can we migrate our existing book?

Yes. Merchants, advances, balances and full repayment history come across. The work is mapping your existing data model onto the advance model, which we agree with you before any exporting starts. See the finPOWER Connect comparison for what that mapping looks like in practice.

Does it support syndication and broker commission?

Both, natively. Syndication partners can co-fund a share of an advance and receive a proportional share of collections less your fees, with positions and payouts tracked per partner. Broker commission is tracked per partner per deal, with a white-label portal for partners to submit and track deals.

Book a Walkthrough

See it with your own deal structure

Bring a live deal — your factor rates, your debit frequency, your syndication splits, your broker commission — and we will show you how it looks in the platform. Time zones are not a problem; we work with funders across both hemispheres.

About MCA Track

MCA Track is cash advance software and CRM for funders, serving 150+ funding companies since 2010. It manages the full advance lifecycle — intake, underwriting, contracts, direct debit servicing, syndication, broker commission and renewals — and pairs with MCA Verify for automated bank-statement underwriting.