Pre-screen for stacking
Spot existing MCA positions and recurring funder withdrawals before you submit, with an estimate of the daily and weekly debt service already on the merchant. Know the stacking story before the funder asks.
For ISOs
MCA underwriting for ISOs: submit cleaner deals and close more of them
Every deal a funder declines is time you don't get back. MetrikData reads a merchant's bank statements before you submit — surfacing stacking, true revenue, and cash-flow red flags — so you only send deals worth a funder's time and arrive looking like you already did the homework.
- Pre-qualify merchants in minutes, not days
- Catch stacking and weak cash flow before you submit
- Hand funders a clean, evidence-backed packet
- Look credible to the partners you want more deals from
The problem
Bad submissions cost you more than a decline
As an ISO, your reputation with funders is your pipeline. Send a stack of half-baked files — merchants already carrying three advances, deposits inflated by transfers, statements that don’t hold up — and your approval rate drops, your turnaround slows, and the funders you rely on start moving your deals to the bottom of the queue. The deal that gets declined still cost you the hours you spent sourcing and packaging it.
MetrikData gives you a funder’s-eye view of the merchant before you ever hit submit. You see what underwriting will see: the real external revenue behind the deposits, the existing positions eating into daily cash flow, the negative-balance and NSF days, and any signal that a statement may have been altered. You walk into the submission already knowing the answer to the hard questions — and the funder sees an ISO who sends clean, fundable deals.
What you get
Built to make your submissions land
Everything below comes from the merchant's own statements, and every number links back to the transactions behind it — so you can stand behind what you send.
True revenue, not gross deposits
Separate real external revenue from transfers and non-revenue credits, so an inflated top line never sets you up for a decline. Qualify on the number funders actually underwrite to.
Catch cash-flow trouble early
See negative-balance days and NSF activity up front. Weak months and overdraft patterns are the fastest path to a decline — find them before you spend hours packaging the deal.
Flag questionable statements
MetrikData surfaces signals that a statement may have been altered and flags them for your review. Catch a problem file before it reaches a funder and protect your standing.
Send a clean packet
Export a tidy PDF or CSV of the underwriting picture to send alongside the deal. Give the funder the evidence in a form they can read at a glance instead of a raw stack of statements.
Seats for your whole desk
Add your reps and processors with roles that fit how your desk runs. Everyone works from the same private workspace, so every deal that leaves the office is screened to the same standard.
How it works
From statements to a submission-ready deal
Upload the merchant's statements
Drop in the bank-statement PDFs — text-based or scanned, from any major US bank. MetrikData reads every transaction and daily balance and lets you correct anything before you analyze.
See the underwriting picture
Review true revenue, deposit volume, negative-balance and NSF days, and any existing MCA positions with estimated debt service — each number backed by the transactions behind it.
Submit with confidence
Pre-qualify on the spot, then export a clean PDF or CSV to send with the deal. The funder runs their own underwriting — you just made it easy to say yes.
FAQ
Common questions
Will this replace the funder's underwriting?
No. MetrikData gives you a funder's-eye view of the merchant before you submit, but the funder still runs their own underwriting and makes the decision. It does not approve, decline, or size deals — it just helps you send files that are clean enough to get a faster yes.
Can I share a report with a funder?
Yes. Export a clean PDF report or a CSV of the tagged transactions and send it alongside the deal, so the funder sees the evidence at a glance instead of a raw stack of statements. Every figure ties back to the transactions it came from.
Does it work for all my merchants' banks?
MetrikData reads PDF bank statements from every major US bank — Chase, Bank of America, Wells Fargo, and many more — plus regional and community banks. Text-based statements parse most accurately, and scanned statements are read via OCR.
Can my whole desk use it?
Yes. Add your reps and processors with roles in a shared private workspace, so every deal that leaves the office is screened to the same standard. See the pricing page for team seats and statement volumes in USD.
Keep exploring
Related
Send your next deal in already qualified
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