MCA Underwriting Intelligence
MerchGrade analyzes bank statements, detects MCA stacking, and produces an objective fundability grade — in 90 seconds, before you've wasted an hour on a file that was never going to close.
Get accessRiviera Pool & Spa LLC
Commercial Services · Florida · Oct 2024 – Mar 2025
Fundability Score
94.2
/ 100
Approval Range
$32K–$48K
72% confidence
Avg Monthly Rev.
$54,800
↑ 11% over period
Pillar Scores
Strengths
Sample output
Not just a score — a complete underwriting picture. Three scoring pillars, component-level transparency, MCA stack detail, and a plain-English summary written for the broker, not the model.
Component-level scores tell you exactly where a deal breaks. A merchant with strong Revenue Quality but a failed Owner Trust Signal is a very different risk from one with weak revenue across the board — and the two require completely different conversations with the ISO.
Riviera Pool & Spa LLC
Revenue Quality · 87.3 / 100
Component breakdown
★AI Underwriting Summary
Strong revenue profile with consistent monthly deposits averaging $54,800 and an upward trend over the six-month window. No NSF history and zero existing MCA positions make this a clean slate for a new funder…
How it works
Drop a ZIP package of bank statements — batches or single merchants. MerchGrade handles PDFs, scanned images, and mixed formats.
Batch grading matters because deals come in as packages. Upload 12 merchants at once and get back 12 organized, comparable grades — no reformatting, no file sorting.
The pipeline extracts every transaction, identifies MCA positions and funder names, calculates leverage, and detects fast-stacking patterns.
MCA positions buried mid-statement — especially same-week advances from different funders — are exactly what manual review misses. The pipeline surfaces them all, with funder names and pull amounts attached.
An A–F fundability score, estimated approval range, pillar-by-pillar breakdown, and a plain-English underwriting summary — ready to share.
The approval range is derived from the merchant's actual cash flow and existing debt load, not a rule of thumb. You know whether to submit before you pick up the phone.
The problem we solve
The average MCA broker spends 45–60 minutes reviewing a single merchant file. Most of those files aren't fundable. MerchGrade eliminates that wasted time.
90s
upload to grade
vs. 45–60 min manually
A–F
fundability scale
same criteria, every file
3
scoring pillars
Revenue, Trust, Cash Flow
If only 1 in 5 leads closes, and each one takes an hour to review, you're spending 80% of your underwriting time on files that were never going to fund. MerchGrade gives that time back — spent only on files worth submitting.
Before MerchGrade
After MerchGrade