Built for MCA funders

Underwrite any MCA deal in 30 seconds.

Drop the application and bank statements. Get a complete underwriting report — branded to your shop, calibrated to your rules. No spreadsheets, no manual review, no rebuilding the wheel for every deal.

See pricing → See how it works

2-minute setup · Cancel anytime · Built for MCA

app.underwritingstudio.com

DEHNER WELDING

APPROVE

submitted today · 6 mo statements

REVENUE

$125k

DEPOSITS

38/mo

ADB

$14k

FICO

788

RECOMMENDATION

$75,000 · 32 weeks · 1.39

Holdback 9.6% individual · 28.2% combined

ATLAS PRINTING

CONDITIONAL

submitted today · 4 mo statements · UFCE flag

RIVER NAIL LOUNGE

DECLINE

reverse consolidation detected

How it works

Three steps. Four files. Done.

No integrations. No data entry. Just drag the deal in.

Configure your box

Tell us your underwriting rules once. Pick a risk preset, upload your guidelines doc, or fill out a short questionnaire. Edit anytime.

Drop the deal

Drag the signed application and bank statements onto the drop zone. PDF only — no special format required.

Get the report

A complete underwriting summary — branded to your shop, with sized offer, holdback math, red flags, and stip list — in about a minute.

Why funders pick us

Everything an underwriter actually does, automated.

Not a generic AI wrapper. Built specifically for MCA underwriting on real funded deals.

Reads every statement

Full per-month breakdown of true revenue, deposits, ADB, neg days, NSF returns. Per-account analysis plus a consolidated rollup.

Catches the red flags

Reverse consolidations, cadence changes on existing MCAs, flow-through revenue, deposit drops, undisclosed positions. Surfaced before you fund.

Sizes the offer for you

Room math, prior-advance cap, term ladder. Returns a concrete offer with both individual and combined holdback — or a "size down to X" alternative.

Branded reports

Your logo, your colors, your name on every report you send out. Looks like it came from your in-house underwriting team because it did.

Teaches over time

Built-in chat assistant. When you spot something the analyzer missed, just tell it. Your rules update instantly — no editing config files.

Same-merchant dedup

Spots when an ISO is reshopping you a deal you already declined. Skips the analysis, saves the spend, flags the history right at the top.

Pricing

Simple pricing. No setup fees, no commitment.

Cancel anytime. Subscriptions include managed AI — no separate Anthropic account, no per-token billing to worry about.

Starter

$49 / mo

For solo funders getting started. No API key required — we cover the AI.

50 deals/month included
$1.50 / deal overage
1 seat
All risk presets + custom rules
Branded reports
Managed AI included
Team seats

Choose Starter

Pro

$199 / mo

For active funder shops doing real volume. Admin dashboard, team seats, priority support.

250 deals/month included
$1.00 / deal overage
5 team seats
Admin dashboard (see team activity)
Branded reports
Managed AI included
Priority support

Choose Pro

Enterprise

Custom

For high-volume shops. Unlimited deals, SSO, white-label, contractual SLA.

Unlimited deals
Unlimited seats
SSO / SAML
White-label distribution
Dedicated success rep
Contractual SLA
Custom rules / data residency

Talk to us

Questions

Frequently asked

How are AI costs handled?

Every paid tier includes managed AI — we cover the Anthropic API costs as part of your subscription. You don't need an Anthropic account, you don't paste in API keys, you don't get a separate token bill. Each plan includes a monthly deal allowance (50 / 250 / unlimited); overage is billed per-deal at the rate shown on the pricing card. We absorb the per-token volatility so you can budget.

How accurate are the reports?

As accurate as the bank statements you feed in. The analyzer reads every PDF page, identifies MCA positions (including the deposit/debit name asymmetries other tools miss), and runs your funder's rules against the file. It's not a replacement for an experienced underwriter — it's a first pass that gets you to a sized offer or a clear decline in about a minute, with the analysis you'd want already done. Our funders use it to triage volume; underwriters spot-check the high-stakes deals.

Will my data be used to train models?

No. PDFs are sent to Anthropic for analysis on a no-training basis (per their API terms). We store the resulting report and metadata in our database to power your dashboard, but never share with third parties. Privacy policy on the footer covers specifics.

Can I cancel anytime?

Yes. Cancel from the in-app billing portal. Your access continues through the end of the paid period. No long-term contracts on Starter or Pro — pay monthly or annually, your choice.

Can I white-label this for my shop?

Every paid tier brands the in-app experience to your company (logo, name, colors) and every report goes out with your branding. Full OS-level white-label (your own .app / .exe distributed to your team) is available on the Enterprise tier.

What about Fundwell / box.com viewer-only submissions?

If you can save the PDFs to your machine, you can drop them in. If your ISO sends viewer-only Box links, that's currently a manual step on your end. We're working on a Box collaborator workflow for the Pro tier — talk to us if it's critical.

Do I need a developer to set this up?

No. Sign up, drop your logo, pick a risk preset (or upload your guidelines as a PDF and we extract the rules), and you're processing deals in about two minutes.