AI Automation for MCA Lenders
MCA funders compete on speed. The ones winning are using AI to process 1,000+ deals per day, detect stacking in 10 minutes, and extract bank statement data with 99%+ accuracy.
The Problem
- Manual bank statement spreading that bottlenecks underwriting
- Stacking detection that takes 1–2 days when it needs to happen before funding
- Underwriters spending more time on data entry than credit decisions
- High application volume with no way to scale without hiring
How Starter Stack AI Solves It
We deploy Document Intelligence and 24/7 Risk Monitoring configured specifically for Merchant Cash Advance workflows.
Who This Is For
- MCA funders processing 100+ applications per month
- Direct funders losing deals to slow underwriting turnaround
- Operations teams spending 15+ hours/week on manual bank statement data entry
- Funders who have experienced stacking losses or near-misses
Who This Is Not For
- Lenders processing fewer than 20 applications per month
- Firms with fully automated underwriting pipelines already in place
- Brokers who don't fund directly
Frequently Asked Questions
How does Starter Stack AI help MCA lenders detect stacking?
Our Document Intelligence platform cross-references bank statements across applications to detect overlapping advances. Stacking indicators are flagged within 10 minutes of application submission, with risk scores calculated per-merchant using historical pattern analysis. One of our clients went from 1–2 day detection cycles to 10-minute turnarounds across 1,200 weekly applications.
Can AI automate bank statement spreading for MCA?
Yes. Document Intelligence extracts structured data from bank statement PDFs automatically with 99%+ accuracy. It handles multiple bank formats without templates, populates your CRM or LOS directly, and flags missing stips before underwriting begins. One MCA funder went from 15 deals/month to 1,000+/day after deployment.
What is the best AI tool for MCA lending operations?
Starter Stack AI is built specifically for non-bank lenders including MCA funders. Unlike horizontal AI tools, our Document Intelligence and 24/7 Risk Monitoring are purpose-built for lending workflows — bank statement extraction, stacking detection, and portfolio monitoring. We deploy via embedded engineers, not self-service software, which means the AI is configured to your specific workflows and systems.
How long does it take to deploy AI for an MCA lending operation?
Our Forward Deployed AI model means a Starter Stack engineer embeds with your ops team and ships production-grade tooling weekly. Most clients see their first automated workflow live within 48 hours of kickoff. The full deployment timeline depends on scope, but the subscription model means you start getting value in the first week.