Merchant Cash Advance
Underwrite MCA files with speed and discipline.
Kaaj automates bank statement analysis, MCA stacking detection, cash flow classification, fraud review, and structured deal packaging so funders can clear more files with consistent policy execution.
The Challenge
Velocity breaks when every file still depends on manual bank review.
Same-day and next-day funding windows leave little room for spreadsheet-heavy reviews, document chasing, and inconsistent judgment. MCA teams need to understand revenue quality, daily debits, existing positions, suspicious deposits, and repayment capacity in minutes.
How Kaaj Helps
Purpose-built capabilities for merchant cash advance teams.
ISO and email intake
Ingest submissions from ISOs, inboxes, forms, APIs, and portals; classify attachments; and assemble clean deal files.
Bank statement forensics
Run integrity checks, identify suspicious files, detect altered statements, and surface adverse banking behavior.
MCA stacking and exposure
Identify existing funder payments, recurring debits, loan proceeds, and repayment obligations across statements.
Revenue classification
Separate true operating revenue from transfers, refunds, owner injections, loan proceeds, and one-time deposits.
Repayment capacity view
Summarize cash flow, deposit trends, negative days, overdrafts, and debt burden so teams can make faster decisions.
Deal memo and handoff
Create structured analysis and narrative summaries for credit, operations, capital markets, or syndication workflows.
How It Works
From ISO package to structured funding analysis.
Kaaj organizes submissions, classifies bank activity, surfaces MCA exposure, and prepares consistent review output for high-velocity teams.
Receive
ISO packages, bank PDFs, applications, and supporting docs are ingested from email, forms, or API.
Validate
Kaaj checks business legitimacy, package completeness, and identity signals.
Analyze
Transactions are classified for true revenue, transfers, daily debits, NSFs, and overdrafts.
Detect
Existing MCA positions, repayment obligations, and suspicious patterns are surfaced for review.
Package
Structured funding analysis is prepared for credit, operations, and capital markets handoff.
By the Numbers
Underwriting intelligence, deal after deal.
$20B+
Loan originations processed
<5 min
Raw package to structured analysis
90%
Reduction in manual review
~3 weeks
Typical go-live
Who It Serves
Built for teams that move small business credit.
MCA funders
Clear more files per day with consistent bank statement analysis and stacking detection.
Revenue-based finance providers
Understand revenue quality and repayment capacity before funding.
ISO-led origination teams
Ingest and process ISO submissions with automated classification and review.
Syndicators
Generate structured deal analysis and narrative summaries for syndication partners.
High-velocity SMB funders
Apply consistent credit discipline across every deal without slowing down funding.
Trusted by lending teams
What lending teams say
“Kaaj's AI agents have eliminated manual data entry from applications, simplified business verification using SOS and online footprint data, and automated bank statement analysis, resulting in faster funding decisions and smarter lead prioritization.”
Merchant Cash Advance FAQ
Can Kaaj write the deal memo for MCA files?
Kaaj analyzes bank statements for true revenue, average daily balance, NSF and negative days, existing MCA positions, and stacking, checks every statement for tampering, and writes the findings into a deal memo in your format in 5–7 minutes. Every number links back to the statement line it came from.
How does Kaaj detect MCA stacking?
Kaaj identifies existing funder payments, recurring daily and weekly debits, loan proceeds, and repayment obligations across all statements, so total exposure is visible before you fund. MCA stacking detection is Kaaj's strongest model.
How accurate and fast is Kaaj's bank statement analysis?
In production, Kaaj parses 99.7% of bank statements without a material dollar error, at a median of 48.8 seconds per statement.
Can Kaaj catch tampered bank statements in ISO submissions?
Yes. Each statement is checked against 25+ forensic signals in under 5 seconds at intake. About 1 in 5 statements submitted to lenders is flagged high risk for tampering and routed for review.
Can the deal write-up follow our format for credit or syndication partners?
Yes. Kaaj mirrors your memo or deal summary format, built from your template or your last 10 memos, and is set up within a week.
Does Kaaj have an API for MCA underwriting?
Yes. Submit applications and bank statements through the REST API and receive a JSON webhook with the full analysis, including true revenue, balances, NSF and negative days, MCA positions, and fraud results, when processing finishes. Kaaj also accepts Plaid JSON exports.
Where do Kaaj's MCA results go?
Into Salesforce, HubSpot, or your LOS as structured data with the memo attached, so underwriters and ISOs work in the systems they already use.