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
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