Every transaction and daily balance
Upload the statement PDFs and MetrikData extracts every line item and the running daily balance — text-based or scanned. No retyping, no missed pages, no spreadsheet to maintain.
MCA underwriting software
Turn merchant bank statements into a complete underwriting picture
MetrikData reads a merchant’s bank-statement PDFs and rebuilds the numbers that drive a merchant cash advance decision — deposit volume, true external revenue, negative-balance days, NSF activity, and existing MCA positions. Every figure links back to the transactions behind it, so you underwrite from evidence instead of a hand-keyed spreadsheet. The decision stays yours.
- Reads text-based and scanned PDF statements
- True external revenue, not just gross deposits
- Existing MCA positions and estimated debt service
- Every number clicks into its source transactions
The problem
Why MCA underwriting eats your day
Most MCA underwriting still starts the same way: a stack of bank statements, a blank spreadsheet, and an hour of typing. You tally deposits, eyeball the daily balances for trouble, scan hundreds of debits for funder withdrawals, and try to separate real revenue from transfers the merchant moved between their own accounts. By the time the numbers are in, the easy part — the actual decision — is all that’s left.
The manual process isn’t just slow, it’s easy to get wrong. Gross deposits flatter a merchant who’s shuffling money or living on advance fundings. A single missed NSF run or an unnoticed stacked position can turn a clean-looking file into a default. MetrikData does the extraction and the math for you, and shows the evidence behind every figure — so the time you spend goes into judgment, not data entry.
What you get
A full underwriting picture from one upload
MetrikData reconstructs every transaction and daily balance, then surfaces the metrics that actually drive an MCA decision — each one tied back to the source so you can verify it yourself.
True external revenue
Real money in from customers, not a gross-deposit total. MetrikData strips out transfers between the merchant’s own accounts, returned items, loan and advance fundings, and other non-revenue credits.
Existing MCA positions
Recurring funder withdrawals are grouped into positions with an estimate of the merchant’s existing daily and weekly debt service — so stacking burden is visible before you fund.
NSF activity and negative days
Returned-item and insufficient-funds events are counted, and every day the account ran negative is flagged — the cash-flow stress signals that gross deposits hide.
Reports and raw data to export
Share a clean PDF report for your file, or export the raw and tagged transactions as CSV to feed your own model. The full picture travels with the deal.
Private, per-workspace storage
Statements live in isolated per-workspace storage, encrypted in transit and at rest, and are never used to train models. Only your team sees your merchants’ data.
How it works
From statements to a decision-ready file in minutes
Upload the statements
Drop in the merchant’s bank-statement PDFs from any major US bank — Chase, Bank of America, Wells Fargo, and regional and community banks alike. Scanned statements are read too.
Review the underwriting picture
See deposit volume, true external revenue, NSF activity, negative-balance days, and existing MCA positions on one screen — with the transactions behind each metric a click away.
Verify, adjust, and decide
Correct anything the merchant’s statement formatted oddly, then re-run to recompute every metric. Underwrite with a clear, evidence-backed view. MetrikData never approves, declines, or sizes the advance — the call is yours.
FAQ
Common questions
Does MetrikData replace my underwriter?
No. MetrikData does the extraction and the math — deposits, true external revenue, NSFs, negative-balance days, and existing positions — and shows the evidence behind every number. It never outputs an approval, a decline, or a recommended advance amount. The underwriting decision stays with you.
Which banks are supported?
All major US banks, including Chase, Bank of America, Wells Fargo, Citi, U.S. Bank, PNC, Truist, Capital One, and TD Bank, plus regional and community banks. Statements can be text-based or scanned PDFs.
How is my data secured?
Statements are kept in private, per-workspace storage with row-level isolation, encrypted in transit and at rest, and are never used to train models. Data is retained for up to about three years so you can revisit a file later.
Is there a free trial?
Yes. Start free with four lifetime statement analyses and no credit card required. Paid plans add a monthly statement allowance plus PDF report and CSV transaction exports — see the pricing page for details.
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Underwrite from evidence, not data entry
Start free — 4 statement analyses, no credit card required.