Cost efficiency
80% lower cost per underwritten file, freeing analysts for judgment calls instead of data entry.
Fundara ingests submissions from your ISOs, reads bank statements line by line, and scores risk against your own credit box.
- SOC 2 Type II
- Bank-level encryption
- No data resale
app.fundara.co/deals/DL-48210
MerchantVega Freight LLC
Approved- Advance
- $185,000
- Factor
- 1.32
- Term
- 9 mo
Monthly deposits · 6 mo
Statement analysis
- Avg. daily balance
- $41,208
- True revenue (6 mo)
- $1.94M
- NSFs
- 2
- Negative days
- 3
- Existing positions
- 1 · $612/day
Risk scoreA− / 812
Stable deposit cadence, low stacking exposure. Within credit box 3B.
Parsed 6 statements · 1,412 transactions · 11.4s
Funders and broker shops underwriting on Fundara
- Northbridge Capital
- Kestrel Funding
- Atlas Merchant Group
- Delta Advance
- Sable & Row
- Harborline ISO
- Verity Working Capital
Everything between submission and funding.
Four modules that replace the spreadsheet, the shared inbox, and the analyst reading PDFs at 11pm.
- 01
Deal intake
ISO portals, email parsing, and API submissions land in one queue. Duplicate and stack detection runs before an analyst ever opens the file.
- 02
Statement analysis
Every transaction classified: true revenue, transfers, NSFs, negative days, and existing daily debits. Works on scanned PDFs and Plaid feeds alike.
- 03
Risk scoring
Your credit box, encoded. Models trained on your funded book return a score, a recommended advance and factor, and the reasons behind both.
- 04
Servicing & CRM
Pipeline, commissions, contracts, and ACH collections in one record. Missed-payment alerts fire the morning a debit fails.
Submission to offer, four steps.
01 Submission arrives
Broker uploads an application and four months of statements, or your ISO portal posts them over API.
02 Documents parsed
Statements, tax IDs, and contracts are read and normalized. Missing pages are flagged back to the broker automatically.
03 Risk scored
The deal is graded against your credit box with a full audit trail of every factor that moved the score.
04 Offer and fund
Term sheets go out, contracts get signed, and the ACH schedule starts on the funding date. No re-entry.
Results underwriting teams see with Fundara
Statement throughput
1,400+ transactions parsed per hour at peak submission load.
15s
Underwriting, instantly
Median time from submission received to a scored, auditable decision.
Bank-level security
Encrypted in transit and at rest, SOC 2 Type II certified.
Funding volume
3x more deals funded by the same underwriting team.
What underwriting teams say.
We were spreading statements by hand on 60 files a day. Now the analyst reviews the exceptions and nothing else. Same headcount, triple the paper.
Dana WhitfieldVP Underwriting, Northbridge Capital Stack detection alone paid for the platform. It caught positions our old process missed because the debits were disguised as vendor payments.
Marcus ElyChief Credit Officer, Kestrel Funding Our ISOs get a decision back the same hour they submit. That is the whole reason they send us their better files now.
Priya RamanHead of Operations, Atlas Merchant Group
Wired into the stack you already run.
- Plaid
- DocuSign
- Experian
- Ocrolus
- Nacha ACH
- Middesk
Fundara is listed on MCA Directory — where brokers search and compare merchant cash advance companies.
See it on your own deal file.
Send us four months of statements from a deal you already funded. We will show you what Fundara would have scored it, and why, in a 15-minute call.
- No implementation fee
- Live in under three weeks
- Your data stays your data
Grab 15 minutes with the team.
Pick any open slot on the calendar. We will confirm by email with a secure upload link for your statements.
Book a demoWe reply in less than 24 hours. No sales sequence.