Submit to the funders most likely to approve— not all of them
MCA Pilot reads the merchant's bank statements, scores the deal against 20+ funder criteria, and hands your rep a ranked shortlist of the funders most likely to fund it. No more guessing which funders to send a deal to or burning the file on declines.
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The problem
Guesswork sends deals to the wrong funders
Every funder has a different appetite — industry, monthly revenue, time in business, position, state, NSFs, daily balances. Reps can't hold all of it in their heads, so they either spray the deal to every funder or lean on the same two they always use. Both waste the file: more declines, slower approvals, and good deals submitted to funders that were never going to fund them.
Funder criteria live in reps' heads: Who takes restaurants, who funds 4th positions, who needs 6 months in business — it's tribal knowledge that walks out the door when a rep leaves.
Deals get sprayed to everyone: To avoid missing the right funder, reps blast the file to a dozen funders — most of which decline, burning the deal and the relationship.
Bank statements get read by hand: Pulling revenue, average balances, NSFs, and negative days out of the statements is slow manual work before a rep even knows where to submit.
The strongest match gets missed: The funder that would have approved at the best terms never gets the deal, because no one had time to check it against every funder's box.
How it works
From statements to a ranked shortlist
- 01
Bank statements come in
The merchant's statements arrive with the application — uploaded by the merchant or attached by the rep — and land on the deal.
- 02
MCA Pilot underwrites them
AI reads the statements and pulls the numbers that matter: monthly revenue, average daily balance, deposit count, NSFs, and negative days.
- 03
The deal is scored against 20+ criteria
Those numbers — plus industry, time in business, position, and state — are matched against each funder's box to find who actually fits.
- 04
A ranked funder list comes back
Your rep sees the funders most likely to approve, ordered by fit, and submits to the right shortlist in one click instead of guessing.
What you get
The right funders, every deal
Bank statements underwritten automatically
Revenue, average balances, deposits, NSFs, and negative days are read straight off the statements — no manual spreadsheet work.
Matched on 20+ funder criteria
Industry, monthly revenue, time in business, position, state, and more are scored against each funder's appetite, not a rep's memory.
Funders ranked by likelihood to approve
The output is an ordered shortlist of the funders most likely to fund the deal, so reps lead with the strongest matches.
Fewer wasted submissions and declines
Sending each deal to the funders that fit it means fewer reflexive declines and a cleaner record with every funder you work with.
Funder knowledge lives in the system
Every funder's box is captured in MCA Pilot, so the matching stays consistent even as reps come and go.
Straight into one-click submission
The ranked shortlist flows directly into submission — by email or one of MCA Pilot's 16 direct funder API integrations.
Questions
Everything you might ask
What is AI funder matching?
It's MCA Pilot reading a deal's bank statements and matching it against more than 20 funder criteria — things like industry, monthly revenue, time in business, position, and state — to return a ranked list of the funders most likely to approve. Instead of guessing which funders to submit to, your reps get a data-backed shortlist for every deal.
How does MCA Pilot match deals to funders?
When the merchant's bank statements come in, MCA Pilot's AI underwrites them — pulling monthly revenue, average daily balance, deposit count, NSFs, and negative days — and scores the deal against each funder's box on 20+ criteria. The funders whose appetite the deal fits are ranked by likelihood to approve and presented to the rep, ready to submit.
What criteria does the matching use?
Matching combines what's read from the bank statements (revenue, average balances, deposits, NSFs, negative days) with deal attributes like industry, time in business, funding position, and state, scored against each funder's published box — more than 20 criteria in total.
Does it submit the deal automatically?
Funder matching produces the ranked shortlist; your rep stays in control of who to submit to. From there, submission is one click — by email or through one of MCA Pilot's 16 direct funder API integrations — so matching and submitting are part of the same flow.
Does it replace my underwriters?
No. It removes the manual reading — pulling numbers off bank statements and checking them against every funder's box — so your team spends its time on deals and relationships. The decision of where to submit and how to position the deal stays with your reps.