From days of review to minutes of clarity.

The Challenge

This alternative lending direct funder processed 1,200 applications per week. Stacking risk — where merchants take multiple cash advances simultaneously — was the biggest threat to portfolio health. But detecting it required manual review that took 1–2 days per batch, by which time funds were often already deployed.

The Solution

We deployed Document Intelligence with a stacking detection module:

• AI cross-references bank statements across applications to detect overlapping advances
• Stacking indicators are flagged within 10 minutes of application submission
• Risk scores are calculated per-merchant with historical stacking pattern analysis
• Real-time alerts notify underwriters before funding decisions

The Results

• Stacking detection in 10 minutes — down from 1–2 days
• 1,200 weekly applications processed with automated stacking analysis
• $1M+ in estimated exposure avoided in the first quarter
• Pre-funding risk alerts stop bad deals before capital is deployed

Who This Applies To

MCA funders and alternative lending direct funders processing high application volumes where stacking risk is a material concern. If you're funding before stacking analysis is complete, this closes that gap.