The MCA CRM for ISOs and brokers

ISO shops buy and generate leads from many places: live transfers, aged leads, UCC lists, mailers, web forms and referrals. Import any CSV or XLSX list, map the columns once and save the mapping as a preset for that vendor, and duplicates are skipped before they land on a rep's desk.

Every lead carries its source, so the source report shows which vendor turns into applications and funded deals. Reps work leads by status (Hot Lead, Cold Lead, App Out and so on) with an attempt counter, and log each call with an outcome. When a merchant is ready, one step converts the lead into a merchant, an owner and a deal.

Merchants can also apply on their own. Your shop gets a public application link, and a rep can share a personal version so the new lead is assigned to them. The form collects the business and owner details, a credit range, consent, and three to six bank statements.

Funders decline most MCA deals on cash flow, so the deal record is built around it. For each bank account you enter monthly deposits, withdrawals, deposit count, average daily balance, NSFs and negative days. The CRM totals and averages them, shows the revenue trend, and keeps card-processor statements alongside.

Existing positions are recorded on the merchant with the lender, payment, frequency and balance. Together with the statements they give you the current holdback and what a new payment would do to it, checked against the green, amber and red thresholds your shop sets.

Each lender in your directory has programs (A paper, renewals, sole prop and so on) and rules marked hard, soft or informational. Lender matching runs every rule against the deal and labels each program Eligible, Eligible with warnings, Needs data or Ineligible, with the deciding rule spelled out in the matrix.

From the shortlist you build one submission: a per-lender email template with merge fields, your signature and the documents attached from the deal. Send it from your own email client or mark it sent. Each submission then has its own status, from sent to in review, stips requested, approved, declined or funded, with decline reasons you can report on later.

Submitting to a lender the deal does not match is allowed when you know something the rules do not. It is recorded in the audit log, so a manager can see who sent what and why.

When offers come back, enter them on the submission. The offer calculator works out the payback, net funding, payment count and amount, term, holdback and your commission, including upsell points between the buy rate and the sell rate. Offers sit side by side so you can present the best one for the merchant and for the shop.

Accepting an offer fills the deal's pricing block (program, repayment method, lien position, buy and sell rate, remit, payment schedule) and locks it, so the numbers you funded on are the numbers on file. Contract status is tracked on the offer.

Marking a deal funded creates the funded deal and its expected commissions. Record what the merchant has paid in, or import the lender's remittance report, and the CRM keeps the paid-in percentage and balance current.

Commission tracking splits each commission between reps and partners, handles clawbacks and disputes, and lets you upload a lender's commission statement to match it against what you expected. The renewals list uses each lender's paid-in threshold to show who can go again, before the merchant goes direct.

Most ISOs arrive with years of leads and merchants in another CRM or in spreadsheets. Export them to CSV or Excel, upload the file, map each column once and let duplicates drop out. We import your data with you, and save the mapping as a preset so the next file from the same source takes seconds.

1. Export leads, merchants and open deals from your current CRM or spreadsheets.
2. Upload and map the columns; duplicates are skipped before anything is created.
3. Add your lenders with their criteria, or upload them from a CSV.
4. Invite closers, processors and managers with the right role, and start working deals the same day.

The migration guide covers what to export and how to check the import, and you can see how we compare before you decide. Plans start at $69 per user per month. Introductory offer: $0 setup and free migration from your current CRM.