True MCA burden
MetrikData excludes financing inflows, transfers, and refunds from the revenue base, so burden reflects what the business actually earns — not gross deposits inflated by advances.
Compare
MetrikData vs Ocrolus for MCA underwriting
Ocrolus is a broad document-AI platform used across mortgage, auto, and consumer lending. MetrikData is built for one job: reading a merchant’s bank statement for MCA underwriting. Here’s how they line up.
Side by side
MetrikData vs Ocrolus
CapabilityMetrikDataOcrolus
MCA burden (financing excluded)YesPartial
Cadence typing (MCA vs loan)Yes—
Stacking positions detectedYesPartial
Self-serve, single PDF uploadYes—
Transparent published pricingYes—
Fraud / tampering checksPartialYes
Document scopeBank statements (MCA-focused)Statements, pay stubs, tax forms
DeploymentWeb app + APIAPI into your LOS
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
Daily/weekly debits are typed as MCA positions; monthly and ~15-day debits as term loans. Broad transaction flags don’t separate a stacking position from ordinary debt service.
Self-serve, single PDF
Upload one PDF, get an underwriting read. No API build, no LOS integration, no enterprise contract to start.
Data, not a decision
MetrikData presents positions, burden, and risk signals for the underwriter to judge — it doesn’t auto-approve or score a decision.
The honest take
Ocrolus is stronger for multi-document, enterprise pipelines
If you underwrite across several document types — pay stubs, tax forms, W-2s — and need regulatory-grade extraction wired into a loan-origination system at high volume, Ocrolus is a mature, well-integrated choice with deep fraud tooling. MetrikData deliberately does one thing: it reads the bank statement for MCA-specific signals. If your workflow is broader than that, Ocrolus covers ground MetrikData doesn’t try to.
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 Ocrolus alternative?
For MCA bank-statement underwriting, yes. MetrikData focuses specifically on detecting stacking positions and calculating MCA burden from a merchant’s statement, where Ocrolus is a broader document-AI platform spanning many lending verticals.
Does Ocrolus calculate MCA burden?
Ocrolus categorizes transactions and flags cash-advance activity, but MCA burden as a share of true revenue — with financing inflows excluded from the denominator — is the specific metric MetrikData is built to produce.
Can I use MetrikData without an API integration?
Yes. MetrikData is self-serve: upload a PDF statement in the web app and get a full read. No LOS integration is required to start.
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See the difference on your own statement
Start free — run a real merchant statement and compare the output yourself.