True MCA burden
In MCA, deals arrive as PDF statements. MetrikData reads them directly — no requirement that the merchant connect a live bank account.
Compare
MetrikData vs DecisionLogic for MCA underwriting
DecisionLogic verifies bank accounts in real time via open-banking connections. MetrikData analyzes the PDF statement a merchant already has. Different approaches — here’s when each fits MCA.
Side by side
MetrikData vs DecisionLogic
CapabilityMetrikDataDecisionLogic
MCA burden (financing excluded)YesPartial
Cadence typing (MCA vs loan)Yes—
Stacking positions detectedYes—
Self-serve, single PDF uploadYes—
Transparent published pricingYesYes
Fraud / tampering checksPartialYes
Document scopeUploaded PDF statementsLive bank-account connection
DeploymentWeb app + APIIAV / open banking
Yes / Partial / — reflect fit for the MCA bank-statement use case specifically, not overall product breadth.
Why the difference matters
Built for one job, not every document
Cadence-based position typing
Stacking positions, cadence typing, and true burden — verification-first tools surface balances and income trends, not MCA position structure.
Self-serve, single PDF
Burden is measured against genuine trade revenue, so an incoming advance doesn’t make a merchant look healthier than they are.
Data, not a decision
Upload and read in the app, with published pricing — no connection flow or enterprise setup required to start.
Every figure traces to a row
Positions, burden, and cash-flow signals each trace to the underlying transactions, so every figure is checkable against the statement itself.
Reads the statements you actually get
Text or scanned, from any major US bank — even image-only PDF scans are read, which tools built around a live bank connection can’t cover.
The honest take
DecisionLogic is stronger for live verification and anti-fraud at the source
DecisionLogic’s core is Instant Account Verification — pulling live, tamper-proof data straight from the borrower’s bank across thousands of institutions. If your priority is eliminating document fraud by never touching a PDF, and you can require the merchant to connect their account, DecisionLogic is purpose-built for that. MetrikData works from the statement the merchant provides, which is often the reality in MCA where a PDF is what you get — and focuses on the MCA-specific read of it.
For the MetrikData side of that trade-off, see the MCA underwriting software overview — or brush up on the terminology in the MCA glossary.
FAQ
Common questions
Is MetrikData an alternative to DecisionLogic?
They solve adjacent problems. DecisionLogic verifies accounts via live bank connections; MetrikData analyzes the PDF statement for MCA-specific signals. For reading a statement you already have, MetrikData is the direct fit.
Does DecisionLogic calculate MCA burden?
DecisionLogic focuses on verification and summary analytics from live account data. MCA burden against true revenue and cadence-based position typing are MetrikData’s specific outputs.
What if the merchant won’t connect their bank?
That’s the common MCA case, and where MetrikData fits — it works from the uploaded statement rather than requiring a live account connection.
Keep exploring
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See the difference on your own statement
Start free — run a real merchant statement and compare the output yourself.