
When a funder replies to a submission, MCA Pilot reads the email, figures out whether it's an offer, a decline, or a stip request, pulls the terms into an offer record, and advances the deal — so your reps present offers instead of mining their inbox for them.
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The problem
A submission to a dozen funders comes back as a dozen emails — scattered across reps' inboxes, arriving all day, each one worded differently. Turning that into a clean, comparable set of offers is hours of manual reading and retyping, and it's where good deals quietly go cold.
Every reply is read by hand: A rep has to open each funder email, decide if it's an offer, a decline, or a stip, and figure out what it actually says.
Terms get retyped into the CRM: Amount, factor, term, payment, and fees are copied out of an email and into the deal — slowly, and with typos that cost money.
Offers arrive late, deals go cold: An offer buried under fifty inbox threads gets presented hours later, after the merchant has already taken someone else's call.
No live view of what's on the table: Without every reply captured in one place, no one can see at a glance which deals have offers, declines, or outstanding stips right now.
How it works
Offers, declines, and stip requests come back to your connected inbox from every funder you submitted to.
AI classifies the reply — offer, decline, or stip — and pulls the key terms out of the email body, however it's worded.
The parsed terms become a structured offer on the matching deal automatically, with no manual linking or retyping.
Status moves forward and the rep sees the offer in the pipeline, ready to present — declines and stips surface too.
What you get
Every funder email is sorted into offer, decline, or stip request the moment it arrives — no rep triage required.
Amount, factor, term, payment, and fees are read out of the email and written into a structured offer record.
Each reply is tied back to the submission it answers, so offers attach to the correct deal without manual lookup.
When an offer lands, the deal advances in your pipeline so the next step is obvious and nothing stalls.
Stip requests are flagged on the deal so reps know exactly which documents a funder still needs.
Captures replies from any funder you reach by email, alongside the 16 funders MCA Pilot connects to by direct API.
Questions
It means MCA Pilot reads the emails funders send back after you submit a deal, instead of a rep reading them. The AI decides whether each reply is an offer, a decline, or a stip request, pulls out the key terms, and turns offers into structured offer records on the matching deal — automatically advancing the deal in your pipeline.
When a funder replies to a submission in your connected inbox, MCA Pilot's AI parses the email body, classifies it, and extracts the offer terms — amount, factor, term, payment, and fees — regardless of how each funder words their response. Those terms are written into an offer record tied to the right deal, with no copy-and-paste from the rep.
Any funder that replies by email. MCA Pilot also connects to 16 funders by direct API for one-click submission, but reply parsing works on email responses, so it isn't limited to your API-connected funders.
They're captured too. Declines are recorded against the deal so you have a clean history of who passed, and stip requests are flagged so your reps know exactly which documents a funder still needs to move forward — nothing gets lost in an inbox.
No. It removes the data entry — reading emails and retyping offer terms — so your reps spend their time presenting offers and closing merchants instead of mining their inbox. The judgment calls on which offer to take and how to position it stay with your team.