For MCA funders
A CRM for MCA funders working ISO deal flow
Take deals in from ISOs and your own reps, underwrite them on one record, price and track offers, then follow every funded merchant to renewal. Built for the origination side of a funder. From $69 per user per month. Introductory offer: $0 setup and free migration from your current CRM. Send us your export and we map and run your first import with you.
- Merchant cash advance
- Business loans
- Lines of credit
Plans from
$69/ user / month
Billed monthly, or less billed annually. No seat minimum.
- Setup fee
- $0 (introductory offer)
- Data migration
- Free (introductory offer)
Introductory offer, for a limited time.
- We import your data from your current CRM or spreadsheets.
- Month to month. Export your data any time.
Direct MCA funders and hybrid shops that both broker and fund, especially those with an ISO partner channel.
ISO partners as first-class records
Keep every ISO and broker as a company with contacts, link them to the deals they send, and report on what each partner brings in and funds.
An underwriting tab that remembers
Six note blocks per deal that save as you type, with version history, plus conditions to approve or decline before funding.
Cash flow on the record
Monthly deposits, ADB, NSFs and negative days per account, processor statements, existing positions and a combined holdback check against your thresholds.
Pricing locked at acceptance
Program, repayment method, lien position, buy and sell rate, remit and payment schedule are locked when the offer is accepted.
Remittance and renewal tracking
A payment ledger with returns and return codes, servicing statuses, paid-in percentage and a renewals list driven by your own threshold.
Intake from ISOs and your own reps
Funders see the same merchant from several ISOs and need to know who sent it first. Deals carry their source and the ISO partner company, merchants are checked for duplicates, and the deal timeline shows every note, status change and document with who did it.
Your direct sales team works its own leads in the same system: import lists, log calls, and share your application link so merchants can apply and upload statements themselves.
Underwriting on one record
The deal moves through statuses in five phases, with time in status shown on the board so stale files stand out. Stips are requested from a default list and marked received, verified or rejected as documents arrive. Conditions are created on new deals and decided one by one.
The bank statement analysis holds the monthly figures per account and computes averages and trend. Existing positions and their payments give you the merchant's current holdback, and the affordability check shows what your offer would add. The underwriting tab keeps the analyst's notes with full version history.
Pricing and offers
Offers are worked out with the same calculator brokers use: advance, factor, fee, payoffs for a consolidation, frequency and term in; payback, net funding, payment, effective factor and holdback out. The server recalculates and stores every number with a calculation version, so the figures on an old deal can be reproduced.
When the merchant accepts, the pricing block is filled and locked. ISO commission is calculated on advance, net or payback, whichever your agreement uses.
After funding
Each funded deal has a remittance ledger: payments, balance snapshots and returned debits with their return codes. Status moves through performing, behind, NSF returns, modified, default, collections, legal, settled, written off, paid off or renewed. The paid-in percentage drives the renewals list.
What we do not do
The CRM does not debit merchants, run an ACH schedule or keep a syndication ledger. Funders that collect through a processor record or import the results here. Servicing and syndication are on the longer-term roadmap.
Is it a fit?
A good fit when
- Funders with an ISO channel who want partners, submissions and payouts tied to each deal
- Hybrid shops that broker some deals and fund others from the same pipeline
- Underwriting teams that want notes, conditions and stips on the deal, with history
- Funders tracking renewals and paid-in percentage from remittance reports
Not the right tool (yet) when
- ACH debits, payment processing or a collections workflow (not built; record results instead)
- Syndication participations and investor payouts (on the longer-term roadmap)
- Automated state disclosure generation (a compliance pack is coming soon)
- Credit pulls and UCC filing
Questions
Can ISOs log in and submit deals?
Not yet. ISO partners are tracked as companies linked to their deals, and deals they email are entered or imported by your team. A merchant application link exists today; partner portals are on the roadmap.
Does it handle servicing?
It tracks servicing: payments, returns, statuses, balance and paid-in percentage, by hand or from a remittance report. It does not move money.
Can we use our own underwriting thresholds?
Yes. Affordability bands, business days per month and the renewal threshold are settings, and lender programs and rules are yours to define.
Is sensitive data protected?
SSNs, EINs, dates of birth and bank numbers are encrypted at rest and masked in the interface. Revealing one needs a permission and is written to the audit log. See audit log and data security.
Related
- FeatureBank statement analysisEnter each month's deposits, ADB, NSFs and negative days per bank account and get averages, revenue trend, holdback and an affordability check on the deal.Read
- FeatureDeal pipelineA deal pipeline built for lending: 22 statuses in five phases, board and table views, time in status, stips and conditions, underwriting notes and a locked pricing block.Read
- FeatureRenewalsSee which funded merchants are eligible to renew now, in the next 30 days or later, from paid-in percentage and each lender's threshold, and start the renewal deal in one click.Read
- FeatureAudit log and data securityEncrypted SSNs, EINs and bank numbers, masked by default with audited reveals, role-based access, consent records and an audit log of every change and export.Read
- SolutionMCA brokers and ISOsA merchant cash advance CRM for ISOs and brokers: lead import, bank statement figures, lender matching, submissions, offers, commissions and renewals in one place.Read
- SolutionLine of credit brokersA CRM for brokers placing business lines of credit: lender criteria, statements, matching, submissions, offers, commissions and renewal follow-up.Read
- Free toolHoldback calculatorWork out an MCA holdback percentage from the daily or weekly payment and monthly revenue, or the payment a target holdback allows. Free, no signup.Read
- Free toolStacking and positions calculatorAdd up a merchant's existing MCA positions and a proposed advance to see combined holdback, the risk band, and the largest new payment and advance that still fit.Read
- Free toolMCA factor rate calculatorFree merchant cash advance calculator. Enter the advance, factor rate, fee and term to get payback, daily or weekly payment, cost of capital and an APR estimate.Read
Run the whole pipeline in one place.
Tell us about your shop. We set up your workspace and import your data from your current CRM.