The AI-powered underwriting engine built for MCA lenders and ISOs. Upload bank statements, pull credit, and get risk-scored decisions with full offer calculations — all on your own branded platform.
Underwriting Report
Quick Coffee LLC
94%
Match Score
$69.8K
Monthly Rev
Low
Risk Profile
Recommended Offer
$55,856 @ 1.28x
Daily Repayment
$397
Analysis Complete
Processed in 8.2 seconds
<8s
Avg Processing Time
97%
Extraction Accuracy
5+
Lender Integrations
$0
To Start Today
As deal volume grows, so does the complexity of each submission. AI-Underwriters was built to handle that complexity so your team can move faster and smarter.
Each application involves hours of data gathering, calculation, and documentation — time underwriters could better spend on the final decisions that actually require their expertise.
Bank statements, MCA positions, revenue classifications, and risk signals — the sheer volume of data per deal makes thorough review extremely demanding, even for the most experienced team.
Without a standardized analysis framework, identical deals can be evaluated differently across a high volume of submissions — making it harder to maintain a consistent, defensible credit policy.
Upload bank statements. Get a complete risk-scored decision with offer calculations in under 10 seconds. Every time. No human bias. No missed details.
Whether you're a lender reviewing deals or an ISO pre-qualifying merchants — the process is the same.
Drag & drop bank statements (1-12 months), application forms, and supporting docs. AI reads everything instantly.
Revenue, cash flow, NSFs, existing MCAs, credit, SOS status, UCC filings, tax liens, and bankruptcy — all checked in seconds.
Full underwriting report with risk grade, recommended offer amount, factor rate, repayment terms, and proof links for every verification.
9 powerful AI modules working together to give you the most complete underwriting picture possible.
AI reads 1-12 months of bank statements. Extracts deposits, withdrawals, daily balances, NSFs, overdrafts, and revenue trends with confidence scoring.
Automatically identifies existing MCA positions, daily/weekly ACH debits, and calculates total debt load from bank transaction patterns.
Integrated soft credit pulls with FICO scores, trade lines, derogatory marks, and inquiries. Full credit picture without harming the merchant.
Automated Secretary of State business verification. Confirms entity status, formation date, registered agent, and standing across all 50 states.
Tax lien, judgment lien, and UCC filing searches. Know exactly who has security interests and what encumbrances exist before funding.
Google-powered business location verification with street view screenshots, operating hours, reviews, and physical presence confirmation.
PACER-linked bankruptcy search for both business entity and individual guarantors. Covers Chapters 7, 11, and 13 filings nationwide.
AI-powered offer generation using market-calibrated factor rates, term lengths, and repayment amounts based on the merchant's actual financials.
Proprietary risk scoring algorithm that combines all data points into a single A-F risk grade with detailed factor breakdown and confidence levels.
Most platforms help your underwriters work faster. AI-Underwriters replaces the workflow entirely. From the moment a deal is submitted — pre-qualification screening, bank statement extraction, cash flow analysis, MCA position detection, risk scoring, fraud checks, verification, offer structuring, right through to the final credit decision — every step is executed by AI, in seconds, under your brand. Your team sets the parameters. The engine approves the deals.
SOS, Credit, Tax Liens, UCC, Location, Bankruptcy — all automated with clickable proof links.
Your logo, your colors, your domain. Merchants and ISOs see your brand — not ours.
RESTful API to plug into your existing CRM, LOS, or custom workflow. Full documentation provided.
Replace 2+ full-time underwriters. Process 10x the volume at a fraction of the cost.
Verification Dashboard
Smart Lender Matching
Stop guessing which lender will approve your deal. AI-Underwriters pre-qualifies the merchant, matches to the best lenders, and lets you submit with one click.
Know if a deal is fundable before you even submit it. Save hours on dead-end applications.
AI ranks lenders by approval probability based on the merchant's actual profile and each lender's credit box.
Real-time deal tracking across all lenders. See offers, approvals, declines, and funding status in one place.
Send lenders pre-qualified, well-documented files. Higher approval rates = stronger lender partnerships.
Direct API integrations with top MCA lenders for one-click deal submission. Plus connections to the tools you already use.
Bitty Advance
FundKite
Credibly
Lendini
iSoftPull
REST API
More integrations added monthly. Request an integration →
ARIA (AI Risk & Integration Assistant) is the conversational AI agent at the core of the platform. Ask questions, request analysis, and get instant answers about any deal.
ARIA
Online
I've analyzed the 4-month bank statement package for Quick Coffee LLC. Here's a summary:
Risk grade: B+. Recommended offer: $55,856 at 1.28x factor. Shall I generate the full report?
Yes, and submit to matched lenders.
Done! Report generated and submitted to 3 matched lenders. I'll notify you when offers come in. ✓
"The lender matching alone saves me 3 hours a day. I know exactly which lenders will approve before I submit. My close rate went from 20% to 45%."
Maria T.
ISO Owner, 50+ deals/month
"ARIA is like having a senior underwriter available 24/7. The confidence scoring tells us exactly how reliable each data point is. Game changer for risk management."
David K.
Chief Risk Officer, National Funder
Lower base prices with per-app fees so you only pay for what you use. Every plan includes free apps to get you started instantly.
Credit pulls priced separately — $2.50/pull (Pro) and $1.50/pull (Business & Enterprise). Keeps base pricing low while you only pay for what you use.
Perfect for getting started
Includes 10 free apps/mo
then $8/app after
Monthly Example: 20 apps
$199 + (10 extra × $8) = $279/mo
Every deal analyzed in under 10 seconds
For serious ISOs & lenders
Includes 25 free apps/mo
then $5/app after
Monthly Example: 50 apps + 30 pulls
$499 + (25 × $5) + (30 × $2.50) = $699/mo
Every deal analyzed in under 10 seconds
For growing operations
Includes 100 free apps/mo
then $3/app after
Monthly Example: 200 apps + 150 pulls
$1,499 + (100 × $3) + (150 × $1.50) = $2,024/mo
Every deal analyzed in under 10 seconds
High-volume custom pricing
Includes 10 free apps/mo
then $4/app • $1.50/credit pull
Monthly Example: 500 apps + 400 pulls
$99 + (490 × $4) + (400 × $1.50) = $2,659/mo
Every deal analyzed in under 10 seconds
2–4 hrs
Manual data gathering per application
Becomes
< 10 sec
AI-powered full analysis, every time
Underwriters save hours per deal — freeing them to focus only on the final decisions that require their expertise
Start your 14-day free trial today. No credit card. No commitment. Just faster, smarter underwriting.