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Everything you need to underwrite a merchant

One workspace for merchant cash advance underwriting — detect stacking, read the full statement, and verify it is real, all from a single upload.

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MCA stacking detectionSurface every advance a merchant is already carrying, with the source transactions behind each position.MCA underwriting softwareThe full underwriting picture — positions, burden, revenue, and risk — from a single statement upload.Bank statement analysisDeposits, balances, NSFs, and true revenue extracted and reviewable, tied to every row.Statement verificationFlag altered or photoshopped statements before they reach your underwriting file.
One engine, four jobs

How the pieces fit together

Every MetrikData capability starts from the same upload. Drop in a merchant’s bank-statement PDFs and bank statement analysis extracts every transaction, daily balance, and deposit — separating true external revenue from transfers so the numbers you underwrite with reflect money the business actually earned. On top of that transaction stream, MCA stacking detection groups recurring funder debits into positions and estimates the daily debt service the merchant is already carrying, while statement verification checks the file itself for editing traces, font irregularities, and balances that don’t reconcile.

The underwriting workspace ties it together: positions, burden against external revenue, NSF and low-balance activity, and a pre-flight risk summary — exportable as a clean PDF or CSV report, with every figure linked to the source rows. Nothing is a black box, and nothing makes the decision for you. New to the space? Start with the complete guide to MCA underwriting or the glossary.