Merchant Cash Advance Software

The Only MCA Software Built for MCA Funders

MCA Track is purpose-built merchant cash advance software — not a generic CRM retrofitted for the industry. Serving 150+ funding companies since 2010, managing billions in active deals.

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$Billions+

Active deals managed

15+ Years

In the MCA industry

150+

MCA funding companies

99.99%

Platform uptime

What Is MCA Software?

Purpose-built for how MCA funding actually works

Merchant cash advance software is a specialized platform that manages the complete operational lifecycle of an MCA funding company — from lead intake and underwriting through funding, daily ACH collections, syndication, and renewal. Unlike generic CRM platforms, purpose-built MCA software includes the workflows, terminology, and integrations MCA funders actually need.

MCA funders without dedicated software typically manage operations across spreadsheets, email threads, and disconnected tools — creating data entry errors, missed renewals, inconsistent underwriting, and poor portfolio visibility. The right MCA software replaces all of that with a single connected platform.

MCA Track has been purpose-built for this exact use case since 2010 — making it one of the most mature and operationally proven merchant cash advance software platforms in the industry. Used by startup ISOs processing their first deals and established funders managing hundreds of active positions simultaneously.

Platform Features

Every feature shaped by 15+ years of MCA operator feedback

Not a generic CRM. Not a retrofitted lending platform. A system built by people who understand how MCA funding actually operates.

Deal Pipeline Management

Full lifecycle visibility from lead to payoff. Every status, note, document, and action in one connected timeline. Track every stage: lead, submission, underwriting, approval, funding, servicing, and renewal.

Integrated ACH via GoACH

GoACH ACH processing is built directly into MCA Track — merchant daily debits, ISO credits, syndicator splits, management fees, and return handling without leaving the platform. No manual reconciliation.

Automated Underwriting

Route files, trigger document requests, assign tasks, and move deals through underwriting automatically — based on your own rules. Consistent decisions at scale without adding headcount.

ISO & Broker Portals

White-label portals for ISOs, brokers, merchants, and syndicators with granular permissions and separate logins. ISOs submit deals, track status, and view commission statements — without calling your office.

Syndication Management

Allocate syndication shares, track syndicator positions, calculate management fees, and keep capital partners informed — all automated. No manual spreadsheets for multi-participant deals.

Renewal Intelligence

MCA Track monitors repayment progress across your entire portfolio and automatically flags merchants eligible for renewal — before they approach another funder. Capture renewals at the right moment, every time.

Comparison

MCA Track vs. generic CRM platforms

Most platforms in this space are generic CRMs with MCA terminology added on top. MCA Track was designed from the ground up for how MCA funding companies actually operate.

Capability	MCA Track	Generic CRM Platforms
Purpose-built for MCA since 2010	✓ 15+ years MCA-native	✗ Generic, retrofitted
Integrated ACH payment processing	✓ GoACH built-in	✗ Requires separate provider
Full MCA deal lifecycle management	✓ Complete, connected	~ Partial, manual gaps
ISO & broker white-label portals	✓ Included	~ Add-on or unavailable
Syndication management	✓ Multi-participant, automated	✗ Not supported
Renewal intelligence (auto-flag)	✓ Automated	✗ Manual tracking
MCA-specific commission splits	✓ Full split logic	~ Basic or none
Dedicated MCA support team	✓ Real MCA experts	✗ General helpdesk

Who Uses MCA Track

Built for every type of MCA operation

From first-time funders moving off spreadsheets to established companies processing hundreds of deals per month.

MCA Funders

Direct lenders using MCA Track to manage their full book — from underwriting new deals to tracking daily ACH collections and monitoring portfolio performance in real time.

ISOs & Brokers

ISO organizations using MCA Track’s white-label portal to submit deals to multiple funders, track commissions, and manage merchant relationships — all in one place.

Syndicators

Capital partners using MCA Track’s syndicator portal to view position performance, track returns, and receive automated reporting from the funders they invest alongside.

Client Results

What MCA funders say about MCA Track

“I finally got big enough to move off spreadsheets and really grow the business, and MCA Track was exactly what I needed.”

Larry Z. — MCA Funder, Lakewood NJ

“I seriously don’t know how I used to manage these deals before I started using MCA Track. It literally changed everything.”

Dmitry A. — MCA Funder, Brooklyn NY

“I’ve never had a problem with MCA Track in the slightest. It works, and it always works. You can’t put a price tag on that.”

Miguel G. — MCA Funder, North Miami Beach FL

FAQ

Common questions about MCA software

What does merchant cash advance software do?

Merchant cash advance software manages the full operational lifecycle of an MCA funding company — lead intake, underwriting, deal approval, contract generation, ACH payment processing, daily collections, syndication tracking, commission administration, and renewal detection. Purpose-built MCA software like MCA Track replaces the combination of spreadsheets, email, and disconnected tools that most growing funders outgrow within their first year.

How is MCA software different from a general CRM?

General CRMs like Salesforce or HubSpot are built for sales pipelines and contact management — not the operational complexity of MCA funding. They don’t natively support daily ACH debit schedules, syndication splits, factor rate calculations, ISO commission structures, or renewal tracking. MCA Track was built specifically for these workflows — so you get them out of the box rather than paying for expensive customization that still falls short.

Does MCA Track include ACH payment processing?

Yes. MCA Track includes integrated ACH payment processing via GoACH — a NACHA-compliant ACH processor built specifically for the MCA industry. Merchant daily debits, ISO credits, syndicator splits, management fees, and return handling all happen inside MCA Track without switching to a separate platform or manually reconciling transactions.

How long does it take to get started with MCA Track?

Most MCA Track customers are up and running within days. Because the platform is purpose-built for MCA, there’s no lengthy customization phase — the workflows your team needs are already there. Our onboarding team has helped hundreds of MCA funders make the transition from spreadsheets to MCA Track, including data migration support.

Is MCA Track suitable for small MCA operations?

Yes. MCA Track is used by funders processing their first deals and by established operations funding hundreds of positions per month. The platform scales with your volume — no re-platforming required as you grow. Many of MCA Track’s longest-tenured customers started as small ISOs and have grown into direct funders on the same platform.

Funding lifecycle

How MCA Track manages the full funding lifecycle

MCA Track connects every stage of a merchant cash advance deal in one system, so there are no handoffs, no gaps, and no manual re-entry between tools.

1. Lead & intake. Capture leads, ISO submissions, and merchant applications in one place, with every source tracked from first touch so nothing slips through the cracks.

2. Underwriting. Review documents, run credit, and apply consistent decision rules automatically. Automated MCA underwriting helps you approve good deals faster and hold every file to the same standard.

3. Funding. Generate contracts, collect e-signatures, and disburse funds without leaving the platform.

4. Servicing. Track ACH debits, flag missed payments, and manage syndicator splits in real time through integrated GoACH payments.

5. Renewal. Automatically identify merchants who are eligible to renew before they go elsewhere, turning your existing book into your best source of new volume.

Platform depth

Merchant cash advance software features in depth

Every capability in MCA Track was shaped by 15+ years of feedback from real MCA operators, not designed in a boardroom.

Integrated ACH servicing

Merchant debits, ISO credits, syndicator splits, fees, and return handling all run natively inside MCA Track through GoACH. Because payments and deals live in the same dashboard, your repayment data and your CRM never fall out of sync.

Syndication management

Allocate shares, track each syndicator’s position, calculate management fees, and automate payouts and reporting for multi-participant deals — no spreadsheets, no manual reconciliation.

Commission tracking

Administer payouts to ISOs, brokers, and internal reps with full split logic and an audit trail, and compare scheduled versus settled amounts so commission disputes disappear.

Renewal intelligence

MCA Track monitors repayment progress and flags renewal-ready merchants automatically, so your team reaches the right merchant at the right moment.

White-label portals

Give ISOs, brokers, merchants, and syndicators their own branded logins with granular permissions, so partners self-serve without ever seeing your full book.

CRM and pipeline

Built on a merchant cash advance CRM that models the full deal pipeline — every status, note, document, and action on one timeline from lead to payoff.

Why it matters

Why funders switch from spreadsheets to purpose-built MCA software

Spreadsheets and a general-purpose CRM can carry a funder through the early days. But as volume grows, manual data entry creates costly errors, disconnected tools never reconcile cleanly, and problems — a missed payment, a defaulting merchant — surface only after they have already cost you money.

Purpose-built merchant cash advance software removes that drag. MCA Track gives you one unified platform for deals, payments, documents, and reporting, real-time portfolio intelligence so you always know what every deal is doing, and automation that flags renewals and past-due accounts before they become urgent. The result is a leaner operation that funds more deals with the same team.

MCA Track has served the merchant cash advance industry since 2010 and today supports 150+ funding companies managing billions of dollars in active deals on infrastructure with 99.99% uptime.

Get Started

See MCA Track in action

One of our MCA specialists will walk you through the platform and answer every question. No pressure — just a real conversation about your MCA operation.

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About MCA Track Merchant Cash Advance Software

MCA Track is a merchant cash advance software platform operated by Unity FI Solutions LLC, headquartered in Charlotte, NC. Founded in 2010, MCA Track provides end-to-end deal management for MCA funders and ISOs — including pipeline tracking, underwriting automation, document management, ISO portals, syndication management, commission tracking, and integrated ACH payment processing via GoACH. The platform serves 150+ MCA funding companies managing billions in active deals.