Built for the people who read the statements
MetrikData is bank statement analysis software for merchant cash advance underwriting. We turn a merchant’s PDF statements into the numbers a funding decision actually depends on — existing positions, true repayment burden, cash-flow health, and statement authenticity — with every figure traceable to the transactions behind it.
Stacking shouldn’t be a surprise
The MCA industry runs on speed: an offer that takes a week loses to one that takes a day. But the fastest step to skip is the one that matters most — reading the bank statements line by line. That is where hidden positions live, where transfers masquerade as revenue, and where a doctored PDF slips through. Deals default not because underwriters are careless, but because a 300-row statement at 6pm on a Friday hides things from everyone.
We started MetrikData in 2024 to close that gap. Not with a black-box score, and not with another CRM — with an analysis engine that does the mechanical reading perfectly every time and shows its work: positions grouped from recurring funder debits, burden computed against external revenue rather than gross deposits, and authenticity checks on every file. The underwriter keeps the judgment. The software keeps the receipts.
How we build
Evidence over verdicts. MetrikData never approves or declines a deal. Every number links back to source transactions so you can verify it yourself — a tool you can audit is a tool you can trust with a funding decision.
The statement is the truth. Credit scores and applications describe a business; the bank statement shows it. We invest everything in reading statements accurately — text-based or scanned, from every major US bank.
Security first. Statements are sensitive. Files are encrypted at rest, workspaces are isolated per organization with role-based access, and every action lands in an audit log. Read the details on our security page.
One upload, the whole picture
The product does four jobs, each documented on its own page: bank statement analysis, MCA stacking detection, statement verification, and the full underwriting workspace that ties them together with PDF and CSV reports. If you are new to the space, start with our complete guide to MCA underwriting or the glossary.
Questions, ideas, or a statement format we should support? Talk to us — the team reads everything.
See it on a real statement
Start free — your first 5 statement analyses are on us. No credit card required.