The MCA Broker Stack Platform
One platform from lead to funded deal.
Branded intake, AI underwriting, one-click submission to every funder, and full pipeline visibility — engineered for modern MCA brokerages.
Broker teams submit to funders like
Explore the platform
Eight areas. One system of record.
Jump straight to what matters to your team — every capability below is live in the product today.
ApplyClever
Your brand on every application, not ours.
Give every rep a white-labeled apply link on your own vanity domain. Every submission is tracked back to the rep, entity, and campaign that sourced it — with e-signature-ready forms built in.
Branded rep links
Rep-specific apply links on custom vanity domains
Every rep gets a personalized URL merchants recognize — no MCA Broker Stack branding anywhere in the funnel.
- Custom vanity domains per organization
- Per-rep and per-entity apply URLs
- E-signature and consent capture built in
AI Underwriting & OCR
Deal intelligence in seconds, not hours.
OCR, paper grading, fraud detection, stacking checks, and suggested pricing — every deal, every time. No consultants required.
AI Paper Grading
Know where every deal stands before you make a single call.
OCR runs automatically on every uploaded statement and assigns an A–F paper grade based on true revenue, ADB ratio, NSF count, and active MCA positions.
AI Paper GradingKnow where every deal stands before you make a single call.+
OCR runs automatically on every uploaded statement and assigns an A–F paper grade based on true revenue, ADB ratio, NSF count, and active MCA positions.
Merchant ScorecardA single scorecard that tells the whole story of a deal.+
Revenue, deposits, NSFs, stacking, and paper grade — reconciled into one shareable scorecard every underwriter can read at a glance.
OCR Bank Statement AnalysisTurn stacks of statements into structured deal intelligence.+
Drop in bank statements and let AI extract deposits, negative days, and holdbacks in seconds — with a re-run OCR loop for edge cases.
Monthly Revenue AnalysisMonthly trends that catch problems before they become risks.+
Visualize revenue trends month over month with true revenue vs. deposits — spot the drop-offs and step-ups underwriters need to see.
MCA Stacking DetectionNever miss a stacked deal again.+
Automatic detection of active MCA positions from statement patterns — flagged on the deal before it ever reaches a funder.
AI Fraud DetectionCatch fraud signals your team would spend hours chasing.+
AI flags altered statements, mismatched identities, and suspicious deposit patterns — surfaced as fraud signals on the deal.
Suggested Pricing EnginePricing you can defend, generated in seconds.+
Suggested pricing derived from paper grade, revenue, and active positions — ready to send as a formal offer.
Downloadable ScorecardSend a scorecard your funders will actually read.+
Every scorecard downloads as a branded PDF you can drop into an email or share via secure link.
Lead capture & submission
Capture leads anywhere. Submit everywhere.
From Facebook landing pages to bank statement drops, MCA Broker Stack turns raw intake into fully-packaged submissions to your entire funder network.
Lead API + statements intake
Push leads from any source and start a deal instantly
Wire your funnels, forms, and marketing partners into the Lead API — or drop in bank statements to auto-create the deal.
- Lead API Submission Wizard with attribution tokens
- Create-from-Statements intake with OCR
- Full campaign and rep attribution
Direct funder API
Connect once, submit everywhere
Direct API integrations with funders like Bitty Advance and Fortress Capital — plus polished PDF packages for everyone else. Every submission is logged with a full audit trail.
- One-click submission to your entire funder list
- Direct API push to Bitty, Fortress, and more
- Branded PDF funder packages with watermarks
- Complete API push audit log
Document security
Every document ships protected.
Merchant PII stays yours. Watermarks, encryption, and redaction are built into every funder send — not bolted on.
Automatic watermarking
Every PDF sent to a funder is watermarked with your brand and the recipient funder.
Signed-URL encrypted storage
Documents live behind time-limited signed URLs — never publicly addressable.
PDF redaction
Redact sensitive fields from outbound PDFs before they leave your organization.
Stips & checklist tracking
Track outstanding stips per deal and per funder with a live document checklist.
Pipeline & deal management
See every deal. Never chase an update again.
A real-time kanban tied to a full merchant CRM, pre-qualification, deal calculator, and multi-scenario pricing — with commissions and renewals reconciled automatically.
Live kanban pipeline
Drag deals through your stages in real time
Stage filters, stale-deal detection, and rep views make pipeline standups a five-minute glance.
- Real-time stage-based kanban
- Stale-deal detection with visual alerts
- Rep, stage, and funder filters
Renewals, portfolio & commissions
Full visibility into every dollar — from funded to renewed
Deal maturity tracking, renewal alerts, and a live commission ledger tie every payout back to the rep and deal that earned it.
- Automatic renewal eligibility and alerts
- Portfolio & risk exposure by funder
- Rep commission ledger with paid/pending status
- Offer letters with built-in e-signature
Dialer & outreach
Every call, every follow-up — in one place.
Click-to-call powered by Aloware, threaded outreach campaigns, and Cmd+K natural language search that finds any merchant, deal, or thread in a keystroke.
Aloware + outreach automation
Talk to more merchants without leaving the deal
A live call banner, threaded email history, and outreach campaigns keep reps working the phones — with every touch logged back to the deal.
- Aloware click-to-call directly from any deal
- Live call banner and full call history
- Rep email follow-up automation & campaigns
- Cmd+K natural language search across the platform
Arlo agents
A team of AI agents that never sleeps.
Meet Arlo and the crew — Flynn, Scout, Vera, Rex, Sable, and Nova. Each agent owns a slice of the deal lifecycle, from qualification to funder matching to follow-up. Build your own custom agent when you need something specific.
Funder portal
Give funders their own workspace — with your rules.
A dedicated portal for funder partners with a deals inbox, pricing matrix, kanban, and portfolio views. Manage ISOs, track stips, and keep a compliance-grade audit log on every action.
Funder workspace
Purpose-built for the funders you send to
Everything a funder needs to underwrite, price, and respond — without ever leaving your ecosystem.
- Deals inbox with pricing & underwriting matrix
- Funder kanban and portfolio risk exposure
- Full reports suite and ISO management
- Stips tracking and compliance audit log
Team, roles & white-label
Structure your brokerage exactly how it runs.
Rep management with role-based access, sub-ISO management, flexible commission structures, and multi-entity support — all under your brand.
- Role-based access control (RBAC)
- Sub-ISO management with commission splits
- Configurable commission structures
- Branding controls across every touchpoint
- Multi-entity support under one login
- Custom application form builder
Integrations
Plays well with the tools your team already runs.
Bring deal data into Salesforce, verify banks with Plaid, collect payments with your processor, and push updates into Monday.com — no glue code required.
Salesforce
Two-way sync deals, contacts, and stages.
Plaid
Instant bank verification and asset reports.
Payment Processor
Collect ACH and card payments in-platform.
Monday.com
Push deals into your team's existing boards.
Security & compliance
Enterprise-grade controls, out of the box.
Two-factor auth, granular audit logging, soft-delete recovery, IP allowlisting, and session policies — the controls your compliance team expects to see.
2FA / MFA
Enforce two-factor authentication and recovery codes for every user account.
Audit log
Every destructive action, submission, and role change lands in a searchable audit log.
Soft-delete & trash recovery
Deletes go to trash first — restore any deal, document, or user within the retention window.
IP allowlisting & sessions
Restrict access by IP and enforce session lifetimes to match your security policy.
Enterprise reporting
Answers to the questions your operators actually ask.
A full reports suite plus a custom report builder — with admin insights that surface pipeline health, funder performance, and rep productivity without exporting to a spreadsheet.
Admin insights
Dashboards built for the people who run the business
Pipeline health, funder mix, rep productivity, and portfolio risk — reconciled in real time.
- Prebuilt reports for pipeline, submissions, and payouts
- Custom report builder with saved views
- Admin insights dashboard with drill-down
Renewals & merchant portfolio
Your best next deal is already in your book.
A dedicated renewal kanban, an eligibility rules engine, automated maturity alerts, and a standalone merchant CRM keep every funded deal working for you a second time.
Renewal pipeline
A visual kanban built only for deals approaching maturity
Separate from your main pipeline, the renewal board tracks eligibility stages, maturity dates, and rep ownership in a drag-and-drop view.
- Dedicated renewal kanban with eligibility stages
- Maturity dates and payback percentage on every card
- Rep assignment and handoff inside the board
Merchants CRM
Every merchant, every funding they've ever taken
A standalone merchant CRM — funding history, statements, contacts, and rep attribution in one unified profile, independent of the applications list.
- Unified merchant profiles with full funding history
- Bank statements and documents attached to the merchant
- Rep attribution carried across every deal
Riverside Diner LLC
Restaurant · Funded $185,000 · Last app Jun 12
Metro Auto Parts
Automotive · Funded $92,000 · Last app May 28
Sunrise Dental Group
Healthcare · Funded $64,500 · Last app Jun 3
Renewal rules engine
Define renewal eligibility from payback percentage, deal age, funder, and merchant tier — no manual review needed.
Renewal alert settings
Set days-to-maturity and payback thresholds that trigger automated rep and manager notifications.
Merchant profile view
Drill into a single merchant to see positions, statements, and every touch your team has logged.
Forecasting, pre-qual & quotas
Know what's coming — and who's going to close it.
Forecast funded volume from live pipeline data, pre-qualify merchants in seconds, and hold every rep to a clear quota with real-time pacing.
Deal forecasting
Project funded volume from the pipeline you already have
Stage distribution, historical close rates, and pacing roll into a forecast your operators can plan against.
- Forecast dashboard driven by live stage distribution
- Close-rate modeling from historical performance
- Rep, team, and org-level forecast views
Funded volume forecast
Quota management
Quotas with pacing indicators reps actually watch
Set weekly, monthly, and annual targets per rep or team — with time-zone-aware weeks, per-rep overrides, and automated midweek and recap alerts.
- Application and offer quota targets per rep or team
- Real-time attainment percentage and pacing
- Manager roll-ups, leaderboards, and attainment trends
- Automated midweek nudges and end-of-week recaps
Weekly quota attainment
On quota
2 / 4
Team pct
81%
Week ends
Fri 5p
Pre-qualify merchant
Monthly Revenue
$42,000
Time in Business
3 years
Credit Score range
650 – 699
Industry
Restaurant
Likely Qualifies — Up to $85,000
Saved reports
Pre-qualification tool
Score a merchant against your funding thresholds before anyone invests time in a full application.
Quota settings
Configure targets, week start day, and time zone per org — with rep-level overrides where you need them.
Follow-up effectiveness report
Measure open rates, reply rates, and conversion impact of every rep's outreach sequence.
Deal desk, DIP & offers
One command center from packaging to signed offer.
Deals stage in DIP, ship through the guided submission wizard, and come back as side-by-side offers — with a timestamped timeline behind every move.
Submission wizard
A guided path that won't let a deal go out incomplete
Step by step: deal review, funder match, documents and stips, then send. Missing fields are surfaced by name with a fix-and-retry loop for API submissions.
- Step-by-step packaging with completeness checks
- Funder matching against your live criteria
- Direct API submission with fix-and-retry on rejections
Arlo submission wizard
Deal review
CompleteFunder match
CompleteDocuments & stips
In progressReview & send
PendingFunders matched
9
Docs attached
6
Blocking stips
0
DIP — deal in progress
A staging area for deals between intake and submission
DIP tracks every funder response by wave, auto-separating wave one from wave two, so you always know how many funders have answered.
- Automatic wave detection across submission rounds
- Response counts, declines, and offers per wave
- Term structuring and approval workflows before sending
Deal in progress
Wave 1
4/9 responsesWave 2
2/5 responsesOffers received
| Funder | Advance | Factor | Term | Net |
|---|---|---|---|---|
| Bitty AdvanceBest | $85,000 | 1.32 | 8 mo | $78,200 |
| Fora Financial | $75,000 | 1.29 | 9 mo | $71,400 |
| Fortress Capital | $60,000 | 1.26 | 10 mo | $57,900 |
Arlo feed
Offer received — Bitty Advance
2:41 PM
Submitted to 9 funders (Wave 1)
1:12 PM
Bank statements OCR complete
11:58 AM
Application v2 regenerated
11:40 AM
Application received from apply link
9:03 AM
Submission desk
A deal-level command center for every funder submission, status, and re-submission — without leaving the deal.
Deal-level offers view
Compare funder responses side by side on factor rate, advance amount, term, and net payout.
Application timeline
Every status change, upload, submission, offer, and message — timestamped and auditable.
Lead operations
Build the form, import the list, prove the source.
Custom lead forms you can embed anywhere, bulk CSV import with column mapping, campaign-level attribution, and a lead report builder with saved views.
Lead forms builder
Design lead capture forms without touching code
Drag fields into place, publish to any external site, and route each form's submissions to the right rep or campaign.
- Drag-and-drop field ordering and required rules
- Embed on external sites with per-form tracking
- Route submissions to specific reps or campaigns
Lead form builder
Lead import
Bring a list in and map it once
Upload a CSV or spreadsheet, map columns to deal fields, set rep attribution, and push straight into the pipeline.
- Bulk CSV and spreadsheet import
- Column-to-field mapping with validation
- Rep attribution applied on import
Import leads
q3-lead-list.csv
1,248 rows detected
Lead reports builder
Filter, group, and save custom lead reports — scoped to your lead pipeline with scheduled views.
Campaign apply links
Campaign-specific apply URLs that track attribution separately so you can measure lead volume by source.
Resume application flow
Merchants pick a partially completed application back up where they left off, cutting drop-off on multi-step intake.
Team workflow & inbox
Everything your team owes a merchant, in one queue.
An operations board for processing handoffs, action items for every rep, a threaded brokerage-level inbox, and a welcome page that gets new reps producing on day one.
Operations board
Run processing like an assembly line
Track deal handoffs, processing queues, and operational bottlenecks across the whole org in one internal view.
- Handoff tracking between reps and processors
- Processing queue with bottleneck visibility
- Org-wide operational throughput at a glance
Operations board
Intake QC
6Processing
4Ready to submit
3Action items
No follow-up falls through the cracks
Pending tasks, follow-up reminders, and required deal actions surfaced for every rep and manager in a single list.
- Task layer at the broker and deal level
- Follow-up reminders with due dates
- Manager visibility into every rep's open items
Action items
Collect 4th bank statement
Tacos Tiscareno LLC
Follow up on Bitty offer
Cleannex LLC
Send signed offer letter
3rd Ave Variety Corp
Confirm funding wire
You Enhanced LLC
Inbox
Thanks, I'll send the voided check today.
Can you confirm the advance amount?
Statements uploaded — ready for review.
Riverside Diner LLC
Welcome, Jordan
Your apply link
applyclever.com/yourbrand/jordan
Configuration & controls
Configure the platform to your credit box.
Application layout, funder pricing, blacklists, industry eligibility, PDF packages, and per-tenant module flags — all editable without an engineer.
Application layout builder
Reorder, toggle, and preview your merchant application
Drag sections into the order you want, hide fields you don't collect, and preview the live form before publishing.
- Drag-and-drop section ordering
- Field visibility toggles per section
- Live preview before you publish
Application layout
Funder pricing settings
Default pricing per funder, overridable per deal
Set default factor rates and advance percentages by funder, lock in contract pricing, and override at the deal level when you need to.
- Default factor rate and advance percentage per funder
- Funder-specific pricing contracts
- Deal-level pricing overrides
Funder pricing
| Funder | Buy | Sell | Max |
|---|---|---|---|
| Bitty Advance | 1.18 | 1.32 | $150K |
| Fora Financial | 1.15 | 1.29 | $400K |
| Fortress Capital | 1.12 | 1.26 | $250K |
Blacklist management
Flag or auto-reject merchants and SIC codes on your blacklist before they ever enter the pipeline.
Industry / SIC settings
Mark industries as eligible, restricted, or manual review — enforced across intake and funder matching.
PDF funder package settings
Control watermarks, cover pages, field inclusion rules, and per-funder PDF customizations.
Module toggle settings
Feature flags per tenant — turn Arlo agents, commissions, or forecasting on and off from one panel.
Integrations & connectivity
A Salesforce sync you can actually operate.
Visual field mapping, conditional sync rules, a full push/pull log, and a live health monitor — plus lender API credentials, mailbox routing, and a platform domain registry.
Salesforce integration suite
Mapping, rules, logs, and health — not a black box
Map every field visually, gate syncs behind conditional rules, and diagnose any record with the push/pull log and live health monitor.
- Visual field mapping editor
- Conditional sync rules per object
- Complete push/pull log with per-record detail
- Live integration health monitor
Salesforce field mapping
HealthyMailbox settings
Org-wide and per-rep mailboxes, cleanly separated
Connect a shared submissions mailbox and individual Microsoft 365 rep mailboxes — different accounts, one threaded history.
- Shared org submissions mailbox plus per-rep mailboxes
- Custom domains for outbound rep email
- Routing rules and reply-to addresses for outreach
Mailboxes
submissions@yourbrand.com
Org-wide submissions
rep@yourbrand.com
Rep mailbox (Microsoft 365)
leads@yourbrand.com
Inbound lead capture
Lender integrations
Manage credentials, endpoints, and data mapping for each lender API beyond the core funder network.
Threaded email sync
Outbound sends and inbound replies stitch into one thread on the deal, alias-aware across shared mailboxes.
Domain registry
Platform-level control of every vanity domain — DNS verification, SSL status, and org-to-domain mappings.
Platform ops & AI governance
Watch the machine that runs your deals.
OCR parsing health, AI inference spend, and Arlo agent usage — the admin dashboards that keep automation accurate and costs predictable.
OCR health
Success rate
97.4%
Avg parse
4.1s
In queue
3
AI spend — this month
Total
$345
Per deal
$1.18
Runs
12.4K
Arlo agent usage
OCR health dashboard
Spot failed extractions, reprocess statements, and monitor parsing success rates across the org.
AI cost analytics
Break down inference spend by model, agent, and deal volume so AI costs stay predictable.
Arlo usage analytics
See which agents fire most, per-tenant usage, and where agent workflows can be tuned.