Built for MCA funders

Underwrite any MCA deal in 30 seconds.

Drop the application and bank statements. Get a complete underwriting report — branded to your shop, calibrated to your rules. No spreadsheets, no manual review, no rebuilding the wheel for every deal.

See pricing → See how it works
2-minute setup · Cancel anytime · Built for MCA
app.underwritingstudio.com
SUMMIT WELDING CO.
APPROVE
submitted today · 6 mo statements
REVENUE
$125k
DEPOSITS
38/mo
ADB
$14k
FICO
788
RECOMMENDATION
$75,000 · 32 weeks · 1.39
Holdback 9.6% individual · 28.2% combined
RIVERWORKS PRINTING
CONDITIONAL
submitted today · 4 mo statements · UFCE flag
LOTUS NAIL BAR
DECLINE
reverse consolidation detected
How it works

Three steps. Four files. Done.

No integrations. No data entry. Just drag the deal in.

1

Configure your box

Tell us your underwriting rules once. Pick a risk preset, upload your guidelines doc, or fill out a short questionnaire. Edit anytime.

2

Drop the deal — or email it

Drag the application and bank statements onto the drop zone, or just forward the submission to your inbox and it runs itself. PDF only — no special format required.

3

Get the report

A complete underwriting summary — branded to your shop, with sized offer, holdback math, red flags, and stip list — in about a minute.

Why funders pick us

Everything an underwriter actually does, automated.

Not a generic AI wrapper. Built specifically for MCA underwriting on real funded deals.

Reads every statement

Full per-month breakdown of true revenue, deposits, ADB, neg days, NSF returns. Per-account analysis plus a consolidated rollup.

Catches the red flags

Reverse consolidations, cadence changes on existing MCAs, flow-through revenue, deposit drops, undisclosed positions. Surfaced before you fund.

Sizes the offer for you

Room math, prior-advance cap, term ladder. Returns a concrete offer with both individual and combined holdback — or a "size down to X" alternative.

Branded reports

Your logo, your colors, your name on every report you send out. Looks like it came from your in-house underwriting team because it did.

Teaches over time

Built-in chat assistant. When you spot something the analyzer missed, just tell it. Your rules update instantly — no editing config files.

Same-merchant dedup

Spots when an ISO is reshopping you a deal you already declined. Skips the analysis, saves the spend, flags the history right at the top.

Automatic email intake

Point your submissions inbox at Underwriting Studio — or have your ISOs email it directly. New deals are picked up, parsed, and underwritten the moment they land. No drag-and-drop, no data entry.

Contracts in one click

Generate the customer agreement, addendums, and the right state disclosure (CA, FL, GA, KS, LA, MO, VA) straight from the deal — with the APR solved to the basis point so the offer and the paperwork always match.

Background & credit built in

Run Thomson Reuters CLEAR, Experian credit, and the DataMerch blacklist right on the deal — KYC, FICO, and known-bad-actor checks land in the report next to the numbers, no separate logins.

Alec, the Underwriting Studio assistant, waving hello
Meet Alec

Say hi to Alec — your underwriting assistant.

Alec is the friendly AI underwriter built into every deal. He's read thousands of MCA files, he knows what a real position looks like versus a vendor debit, and he never gets tired at deal #40 of the day. Think of him as the sharp junior underwriter who does the grunt work, flags what matters, and actually learns the way your shop funds — so the more you work with him, the more he sounds like you.

  • ✓Reads the file with you. Revenue, positions, ADB, red flags — laid out in plain English, with his reasoning shown so you can trust it or push back.
  • ✓Learns your box by chatting. Highlight a line and tell Alec what you'd do. He updates your rules on the spot — no config files, no settings menus.
  • ✓Answers questions on any deal. "Why'd you flag this as reverse consolidation?" Ask, and he'll point to the exact dates and debits.
  • ✓Gets sharper over time. Every decision you make calibrates Alec, so your declines and approvals start matching your gut — automatically.
Put Alec to work →
Security & privacy

Your data stays yours.

Underwriting is about the most sensitive paperwork a business has. We treat your deals that way.

Never used to train AI

Every file is analyzed on a strict no-training basis. Your deals never train our models or anyone else's — they're used to produce your report and nothing more.

Never sold or shared

We don't sell, rent, or hand your data to any third party. The only place your files travel is the analysis engine that produces your underwriting report.

You own your output

Every report, decision, and export belongs to you — not us. Take your data with you anytime, and delete your files whenever you want.

Private & isolated

Your files live in a private, company-scoped vault that only your team can reach, encrypted in transit and at rest — fully walled off from every other shop on the platform.

You control retention

Delete any deal or document whenever you want — and what you remove is gone for good. You decide what stays and for how long.

Built on trusted infrastructure

Runs on SOC 2-compliant cloud providers (Cloudflare and Supabase) with role-based access, so only the right teammates can see each deal — the same backbone enterprises rely on.

Pricing

Simple pricing. No setup fees, no commitment.

A simple monthly base plus a small per-deal fee that shrinks as you scale — from $1.50 down to $1.00 a deal. No deal caps, no surprises. Managed AI included: no separate Anthropic account, no per-token billing to track.

Starter
$199 / mo
+ $1.50 / deal analyzed
For solo funders & brokers getting started. No API key — we cover the AI.
  • No deal cap — pay as you go
  • 1 seat
  • All risk presets + custom rules
  • Branded underwriting reports
  • DataMerch + Gmail send included
Choose Starter
Pro
$599 / mo
+ $1.25 / deal analyzed
For active shops doing real volume. Lower per-deal rate, team seats, contracts.
  • No deal cap — lower per-deal rate
  • 5 team seats
  • Contract + disclosure generation
  • Admin dashboard + everything in Starter
  • Priority support
Choose Pro
Scale
$1499 / mo
+ $1.00 / deal analyzed
For high-volume funders running a full pipeline across a team.
  • Best per-deal rate
  • 15 team seats
  • Everything in Pro
  • Dedicated success rep
  • Onboarding + rule import
Choose Scale
Enterprise
Custom
volume per-deal rate
For the largest shops. Lowest per-deal pricing, SSO, white-label, contractual SLA.
  • Volume-committed per-deal rate
  • Unlimited seats
  • SSO / SAML
  • White-label distribution
  • Contractual SLA + data residency
Talk to us

Example: a shop running 1,000 deals/month on Pro pays about $1,849/mo all-in — versus roughly $4,700 for a typical competitor setup, and that's before their per-integration setup fees. Your per-deal rate drops as you scale, and you only pay for deals you actually run.

Power-ups & integrations

No setup fees. Competitors charge $1,000 just to switch an integration on. Enable any of these on any plan — usage is passed through at cost.

Add-on
Thomson Reuters CLEAR
Background, identity & KYC checks pulled right inside the deal — no separate CLEAR login.
+$99 / mo
+ pass-through per report
Add-on
Experian Credit
Consumer & business credit on the applicant, scored into the report automatically.
+$99 / mo
+ pass-through per pull
Included
DataMerch
MCA industry blacklist auto-checked on every deal. Bring your own credentials.
Included
on every plan
Included
Gmail one-click send
Send contracts & disclosures straight from your own Gmail — no copy-paste.
Included
on every plan
Questions

Frequently asked

How are AI costs handled?
Managed AI is included — we cover the Anthropic API costs. You don't need an Anthropic account, you don't paste in API keys, you don't get a separate token bill. Your plan is a low monthly base plus a flat fee per deal analyzed (shown on each pricing card), so your bill scales with your volume and there's no cap to hit. We absorb the per-token volatility so you always pay the same flat rate per deal.
How accurate are the reports?
As accurate as the bank statements you feed in. The analyzer reads every PDF page, identifies MCA positions (including the deposit/debit name asymmetries other tools miss), and runs your funder's rules against the file. It's not a replacement for an experienced underwriter — it's a first pass that gets you to a sized offer or a clear decline in about a minute, with the analysis you'd want already done. Our funders use it to triage volume; underwriters spot-check the high-stakes deals.
Will my data be used to train models?
No. PDFs are sent to Anthropic for analysis on a no-training basis (per their API terms). We store the resulting report and metadata in our database to power your dashboard, but never share with third parties. Privacy policy on the footer covers specifics.
Can I cancel anytime?
Yes. Cancel from the in-app billing portal. Your access continues through the end of the paid period. No long-term contracts on Starter or Pro — pay monthly or annually, your choice.
Can I white-label this for my shop?
Every paid tier brands the in-app experience to your company (logo, name, colors) and every report goes out with your branding. Full OS-level white-label (your own .app / .exe distributed to your team) is available on the Enterprise tier.
Do I need a developer to set this up?
No. Sign up, drop your logo, pick a risk preset (or upload your guidelines as a PDF and we extract the rules), and you're processing deals in about two minutes.

Ready to underwrite faster?

Pick a plan in a minute, configure your underwriting box, and run your first real deal before the kettle boils.

See pricing →