The funding stack,
built for modern brokers.
MCA Broker Stack is the all in one platform for brokers, ISOs, and funding companies with branded application portals, AI-assisted underwriting, active fraud prevention and a real-time pipeline, in one place.
Have a personal application link from your rep? Open it directly to begin.
Everything your ISO needs to close more deals.
MCA Broker Stack gives your team the tools, automation, and intelligence to move faster from application to funded.
AI Paper Grading (A/B/C/D)
OCR runs automatically on every uploaded bank statement and assigns a paper grade based on true revenue, ADB ratio, NSF count, negative days, and active MCA positions. Know where every deal stands before you make a single call.
Full Merchant Scorecard
Eight live KPI chips — revenue thresholds, ADB, NSF risk, stacking, months on file — all color-coded green/amber/red. One screen tells you if the deal qualifies.
OCR Bank Statement Analysis
Upload PDFs, images, or scanned statements. Our OCR engine extracts every transaction, categorizes MCA payments, flags NSFs, and rebuilds a full transaction ledger — automatically.
Automated Debt Schedule (MCA Position Detection)
Active MCA funders are detected directly from bank statement transactions — no manual entry required. See payee name, payment frequency, estimated amount, occurrences, total paid, and first/last payment dates.
Monthly Revenue Analysis with Charts
Month-by-month breakdown: true revenue, total deposits, total withdrawals, ADB, deposit count, avg deposit size, NSFs, negative days, and revenue volatility score — plus bar and line chart visualizations.
Underwriting Snapshot (OCR + Form)
A combined view of OCR-extracted data alongside the merchant's application form data — legal name, DBA, EIN, SSN, credit score, years in business, gross monthly sales, state of incorporation, ADB, NSF count, and more, all source-labeled.
Suggested Pricing Engine
Based on paper grade and funder matrix, the platform auto-suggests a factor rate range, term length, advance % of revenue, holdback %, payment type, and max broker points. Funder-specific or org default.
AI Fraud Detection (Arlo)
One-click fraud scan surfaces anomalous transactions, structuring patterns, inconsistent business names, and high-risk signals directly on the intelligence page. Each signal is reviewable and dismissible.
AI Stacking Check (Arlo)
Automatically cross-references detected funder payments against known MCA payee patterns to confirm or deny stacking. Results surface inline on every application.
Downloadable Scorecard PDF
Generate a signed, formatted PDF of the full intelligence report — scorecard, monthly analysis, debt schedule, fraud signals, and pricing — with one click. Share with funders or keep on file.
Shareable Intelligence Report
Generate a token-protected shareable link to the merchant's intelligence report. Send to co-brokers, funders, or management without granting full platform access.
Re-run OCR / Regenerate Scorecard
Re-extract any statement from scratch to recover missing transaction ledgers, then regenerate the scorecard in one click. Real-time Supabase subscriptions update the UI automatically as processing completes.
Live Kanban Pipeline
Real-time stage-based kanban with stale-deal detection, rep and stage filters. Drag deals between stages and see every deal's position at a glance without chasing reps for updates.
Application Detail View
Full merchant application with all form fields, stage history, deal notes, funder assignment, assigned rep, linked deals, and quick-jump tabs to Intelligence, Bank Statements, Submissions, Stips, and Documents.
Merchant CRM
Dedicated merchant profiles store full funding history, all applications, bank statement history, and contact info in one place — searchable and filterable across your entire book.
Pre-Qualify Tool
Run a quick pre-qualification check on a merchant before collecting a full application. Generates a pass/refer/decline with reason in seconds based on your org's criteria.
Deal Notes / Submission Memo
Auto-saved deal notes field on every application. Use it as a funder submission memo, internal context, or packaging notes. Changes save in real time.
Stage Progress Bar
Every application shows a visual progress bar across your configured pipeline stages. At a glance, see where in the lifecycle a deal sits.
Applications Trash / Recovery
Deleted applications move to a recoverable trash view rather than permanent deletion. Restore accidentally deleted deals any time.
Multi-Scenario Deal Pricing Calculator
Compare up to 3 deal scenarios side by side with live output: total payback, cost of capital, daily payment, weekly payment, estimated payoff date, APR, and cents on dollar. The lowest-cost scenario is automatically highlighted as "Best for merchant."
Pricing Templates
Save your standard deal structures (e.g., "Standard 1st Position 1.30") as reusable templates. Load any template into the calculator with one click.
Copy Terms to Clipboard
Copy formatted offer terms directly from the calculator to paste into emails or CRM notes: Funded · Payback · Daily payment · Factor · Payoff estimate.
One-Click Submission Desk
Push a complete deal package to multiple funders from a single screen. Track each submission's status and compare inbound offers side by side as they return.
Submissions Queue
A dedicated cross-application queue showing every pending and active submission across all deals — sortable by funder, date, and status.
Submission Wizard
Step-by-step guided submission wizard walks reps through packaging and sending a deal — selecting funders, reviewing the package, and confirming submission.
API Submissions Tracker
Per-application view of every API submission attempt — status codes, timestamps, funder responses, and retry history.
PDF Funder Package
For funders without API integrations, generate and download a formatted PDF deal package with all application data, OCR summary, and supporting documents attached.
Offer Letter Generation
Jump directly from the deal pricing calculator to generate a formatted offer letter tied to the selected scenario. One click from pricing to client-ready document.
Portfolio View
See your entire funded book of business in one place — active balances, merchant names, funded amounts, factor rates, estimated payoff dates, and remaining balances.
Revenue Forecasting
Project expected commission income and funded volume over a configurable time horizon based on your current pipeline and historical close rates.
Custom Report Builder
Build reports from scratch with a drag-and-drop field selector. Choose columns, apply filters, set date ranges, and save for repeat use.
Report Dashboard
All saved reports in one view — run on-demand or review last-run output instantly.
Admin Insights
Admin-level performance analytics: funded volume by rep, application-to-close rate, average deal size, top funders by volume, and pipeline velocity.
Agent Library
Browse and activate pre-built AI agents purpose-built for MCA workflows: deal packager, fraud scanner, stacking checker, deal summary writer, and more.
Custom Agent Builder
Build your own AI agents with a no-code visual builder. Define triggers, inputs, instructions, and outputs to automate any repetitive workflow in your pipeline.
Agent Activity Feed
Every AI agent run is logged per application — inputs, outputs, reasoning, and timestamps — so you can review exactly what the agent analyzed and recommended.
Arlo Usage Dashboard
Track AI agent consumption across your entire organization — runs per day, tokens used, cost per run, and top-used agents — so you stay in control of AI spend.
Funder Deal Kanban
Funders get their own portal with a real-time kanban view of all deals sent to them by ISOs. Stage deals through their own underwriting workflow independently.
Funder Deal Detail & Underwriting
Full deal view for funders: application data, bank statement intelligence, OCR results, fraud signals, stacking check, and all supporting documents — all in one screen.
Payment Schedule Tracking
Funders track payment history, schedule, and remittance data per funded merchant. Every payment logged with date, amount, and running balance.
Funder Pricing Matrix
Funders publish their underwriting and pricing matrix directly into the platform. Broker-side suggested pricing is automatically pulled from the assigned funder's matrix.
Funder ISO Management
Funders manage their ISO partner relationships, view deal flow by ISO, set ISO-specific rules, and monitor performance within their portal.
Funder Inbox
Two-way messaging between funders and ISO reps, threaded by deal. All communications stay in-platform and tied to the deal record.
Loan Tape Import
Funders can bulk-import existing funded portfolios via CSV loan tape upload. Map fields, validate data, and populate the merchant database instantly.
Funder Renewals View
Funders see which of their funded merchants are approaching payoff and eligible for renewal — flagged automatically based on configurable rules.
Funder Compliance Audit Log
Every action taken within the funder portal is logged with user, timestamp, and action type for full compliance and audit trail.
Funder Stips Management
Funders request and track stipulations per deal. Each stip has a type, status, and resolution — visible to both funder and ISO.
Rep Apply Links
Every rep gets a branded apply URL on applyclever.com with a clean merchant application form. Vanity domains and campaign links for outreach.
Rep Management Dashboard
View all reps, their assigned deals, application volume, funded totals, and commission earnings in one admin view. Add, deactivate, or re-assign reps without touching a developer.
Team Lead Hierarchy
Configure team lead roles with visibility into their team's deals, commissions, and performance — without full admin access.
Sub-ISO Management
Manage sub-ISO relationships with separate commission structures, branding, and pipeline visibility. Each sub-ISO operates as a semi-independent entity under your umbrella.
Commission Tracking
Reps see a commission ledger with deal name, amount, and paid or pending status. Auto-calculated from funded deals with configurable splits.
Commission Structure Settings
Configure commission rules per rep, per product type, and per funder. Set percentage splits, flat fees, or tiered structures — all auto-calculated on funded deals.
Rep Welcome Page
New reps land on a personalized welcome page with their apply link, quick-start guide, and pipeline overview — reducing onboarding friction to zero.
Role-Based Access Control
Granular permission levels: Admin, Team Lead, Rep, and Funder. Each role sees only what they need — no accidental data exposure.
Outreach Campaigns
Create and manage merchant outreach campaigns directly from the platform. Target merchants by status, stage, or custom criteria and track engagement.
Campaign Apply Links
Create campaign-specific branded apply URLs separate from rep links. Perfect for marketing campaigns, events, or referral partners — each with its own tracking slug.
Custom Vanity Domain Registry
Register your own custom domain for apply links (e.g., apply.yourbrand.com). Every rep link and campaign link runs on your brand — not a third-party URL.
Full Branding Controls
Upload your logo, set primary and accent colors, and customize the apply portal theme. Every merchant-facing touchpoint reflects your brand — not ours.
Multi-Entity Support
Run multiple brands, ISOs, or business units under one account. Each entity has its own slug, branding, apply portal, rep roster, and pipeline — fully isolated.
Custom Application Form Builder
Drag-and-drop field editor lets you add, remove, reorder, and rename application fields. Set required vs. optional, add custom field types, and preview the live form in real time.
Application Layout Editor
Configure which sections appear on your apply form, in what order, and with what labeling — no code required.
Custom Industry List
Define exactly which business industries your platform accepts or declines at the application level. Auto-reject ineligible industries before they reach your pipeline.
Notification Rules
Configure granular notification triggers — new application, grade change, offer received, deal funded, renewal eligible — per role, per channel (email, in-app).
Custom Email Senders & Templates
Set custom sending domains so all platform emails go out under your brand. Edit email templates for every notification type — application confirmation, grade alert, offer notification, and more.
Mailbox / Inbound Email Routing
Configure inbound email routing so replies to merchant or funder emails land back inside the platform, threaded to the correct deal.
Blacklist Management
Block specific merchants, EINs, or industries from submitting through your portal. Blacklisted submissions are auto-rejected with a configurable message.
Security Settings
Configure 2FA requirements, session policies, and IP allowlisting at the org level. Enterprise-grade security controls built in.
Per-Deal Document Storage
Every application has a dedicated documents tab. Upload, organize, and download any supporting file — bank statements, IDs, tax returns, voided checks — all tied to the deal record.
Stipulations Manager (Broker)
Track funder-requested stipulations per deal: type, description, status (pending / received / waived), and resolution date. Never lose track of a missing stip.
Statement Files Tab
Dedicated bank statement file manager per application — separate from the OCR results view. Upload, rename, download, or delete individual statement files.
Statements Intake Workflow
A standalone intake workflow for receiving bank statements from merchants outside the apply portal. Drag, drop, and associate files to any existing application.
Statement OCR Health Monitor
Admin-level dashboard showing OCR processing health across all applications — queue depth, error rates, processing time, and per-file status for every statement in the system.