See existing positions and debt service
Recurring funder withdrawals are grouped into positions with an estimate of the merchant's existing daily and weekly repayment load, so your team can read true leverage before committing capital.
For funders
MCA underwriting for funders: fund every advance with a clear view of leverage
Defaults rarely come from deals that looked risky — they come from deals that looked clean. MetrikData reads each merchant's bank statements and shows their existing positions, true external revenue, and cash-flow stress in one reviewable picture, so your underwriters weigh real leverage instead of gross deposits. The decision stays with your team; the evidence is right there to back it.
- Existing MCA positions and estimated daily debt service
- True external revenue, separated from transfers and non-revenue credits
- Negative-balance days and NSF activity surfaced at a glance
- The same reviewable formulas applied across your whole team
The problem
Where funded deals quietly go wrong
Two risks slip past even careful underwriting at volume. The first is hidden leverage: a merchant carrying three active advances can still post strong gross deposits, because the danger lives in the debits — fixed daily and weekly repayments that quietly consume a slice of every day’s cash flow. The second is overstated revenue: transfers between accounts, loan proceeds, and other non-revenue credits inflate the top line and make a thin operation look fundable.
On top of that, manual statement review drifts. Two analysts reading the same 300-line statement reach different conclusions, the bar moves as the queue grows, and an occasional fabricated statement gets the benefit of the doubt. MetrikData puts every file through the same calculations, separates true external revenue from inflated deposits, surfaces existing positions and their debt service, and flags statements that may have been altered for a human to review — so your team sees real leverage the same way, every time.
Why funders use it
A consistent, evidence-backed underwriting layer
MetrikData turns each statement into the signals your underwriters actually weigh — and ties every one of them back to the transactions behind it, so nothing is a black box.
Underwrite on true external revenue
Transfers, loan proceeds, and other non-revenue credits are separated from real revenue, so deposit volume can't mask a thin operation or inflate the amount that looks supportable.
Cash-flow risk surfaced
Negative-balance days and NSF activity are pulled out of the daily balance history and shown up front — the stress signals that often precede a default, no scrolling required.
Statement-authenticity flags
When a statement shows signs it may have been altered, MetrikData raises it for human review. It's a prompt for a second look, never a verdict on the merchant.
Consistent formulas across the team
Every analyst works from the same reviewable calculations, so a deal is read the same way whoever opens it — and your underwriting bar holds steady as volume climbs.
An audit trail behind every number
Each metric links to the exact transactions that produced it. Underwriters can verify a position or a revenue figure in seconds, and decisions carry the evidence that backed them.
In practice
From statement to a fundable view in minutes
Upload the statements
Drop in the merchant's bank-statement PDFs — text-based or scanned, from any major US bank. MetrikData reads every transaction and daily balance.
Review the evidence-backed picture
See existing positions and debt service, true external revenue, negative-balance days, and NSF activity in one place. Correct any parsed figure that looks off and the analysis recomputes.
Decide with full transaction backing
Click any number to confirm the transactions behind it, then underwrite with leverage and revenue laid bare. The funding decision stays with your underwriters.
FAQ
Common questions
Does MetrikData make the funding decision?
No. MetrikData surfaces leverage, true revenue, cash-flow stress, and authenticity flags in one reviewable picture, but it does not approve, decline, or size advances and is not a decision engine. Your underwriters weigh the evidence and make the call; every figure ties back to the transactions so the decision carries the evidence that backed it.
How does it help with stacking risk?
MetrikData groups recurring funder withdrawals into existing positions and estimates the merchant's daily and weekly debt service, then weighs it against true external revenue rather than gross deposits. That shows how much of a merchant's real cash flow is already committed before you add another advance.
Can our whole underwriting team use it?
Yes. Every analyst works from the same reviewable formulas in a shared workspace, so a deal reads the same way whoever opens it and your underwriting bar holds steady as volume climbs. See the pricing page for team seats and statement volumes in USD.
Is the data secure and auditable?
Statements are stored privately per workspace and are never used to train AI models. Every metric links to the exact transactions that produced it, so underwriters can verify a number in seconds and each decision carries the evidence behind it. Retention and access details are in the privacy policy.
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