Compliance and UCC
Generate state disclosure documents (CA, NY, and seven more), gate funding on signature, and run the full UCC-1 lifecycle.
One platform to run your
merchant cash advance desk
MCA Manager brings your pipeline, underwriting, funder submissions, commissions, syndication, and collections into a single system — with email-to-deal intake, a broker offer calculator with live commission, a decision engine, ACH automation, clawback tracking, self-service portals, and a rich public API, all with role based access and a separate database for every company.
app.mcamgr.com/deals
New6
Riverside Auto
$45,000 requested
Score BCedar Bakery
$18,500 requested
Score BUnderwriting4
Metro HVAC
$120,000 requested
Score ABright Dental
$60,000 requested
Score BSubmitted3
Lakeside Grill
$32,000 requested
Score AFunded9
Apex Logistics
$210,000 requested
Score ACoastal Spa
$25,000 requested
Score A117
permission flags
50+
marketplace integrations
40+
insight dashboards
1 DB
per tenant company
Pipeline
Move every deal from application to funding
Track advances through clear stages with owners and assignment rules. A product type field keeps the model MCA-first today while leaving room for factoring, term loans, or lines of credit later.
- Stage based pipeline with automatic assignment rules
- Merchant and contact records with full history
- Lead capture that converts into a deal on approval
- An audit trail on every status change
app.mcamgr.com/deals/4821
MerchantStageAmountOwner
Metro HVACUnderwriting$120,000A. Reyes
Apex LogisticsFunded$210,000J. Cole
Cedar BakeryNew$18,500A. Reyes
Lakeside GrillSubmitted$32,000M. Singh
Underwriting
Give underwriters the full picture
Bank statement cash-flow analysis, business credit, stacking detection, KYB and sanctions screening, and one-click business lookups — next to stips, decline reasons, and an A, B, or C score from your own model. Deals can be secured by several businesses when the credit calls for cross-collateral.
- Bank data and cash flow from linked accounts, CSVs, or statements
- Business credit, stacking, KYB, and sanctions checks on file
- Mandatory stips gate contracts and funding; optional ones advise
- Cross-collateral deals secured by multiple businesses
app.mcamgr.com/deals/4821/underwriting
Bank statements. 3 months received and verified
Signed application. Complete
Voided check. Received
Score. Category A, cleared for offer
Submissions and offers
Package once, submit to many funders
Build a submission once and track approvals, offers, and counters against a shared pipeline. Brokers get a live offer calculator — slide the advance, factor, and bank fee within your floors and watch their commission recalculate off your tier table — and every adjustment comes back to you as a clean counter-offer.
- Broker offer calculator with live tiered commission
- Slide-down-only counters, floors enforced server side
- Bank-fee concessions priced dollar-for-dollar from commission
- One click from accepted terms to contracts requested
app.mcamgr.com/deals/4821/submissions
FunderStatusOfferFactor
North PeakApproved$110,0001.28
Harbor CapitalCountered$95,0001.32
Summit FundingReviewingpendingpending
Commissions and syndication
Pay the right people the right amount
Commission classes, rep splits, and a configurable factor-to-percent tier table price every deal; an onboarding gate holds payout until the ISO’s paperwork is in, and clawback tracking follows early defaults. Syndicators run on a capital ledger with per-investor rules, distribution cadence, and year-end 1099s.
- Tiered commission with ISO-rep splits per offer
- Onboarding gate holds commission until paperwork clears
- Capital ledger, distribution cadence, and payout batches
- Clawback watch on early defaults, 1099s at year end
app.mcamgr.com/reports/dashboard
$1.92M
funded this month
$148K
commissions accrued
92%
collections on plan
Payments, collections, and reporting
Collect, reconcile, and report with confidence
A projected payment schedule appears the moment a deal has terms, and actuals line up against it as ACH debits run on Actum or ACHWorks rails (or a NACHA file for your bank). Early bounces raise a red flag and put commission on clawback watch; repeat bounces can flip a weekly payer to daily automatically.
- Projected vs actual payment schedule on every deal
- ACH origination on real rails, or NACHA file export
- Early-bounce alerts with commission clawback tracking
- Dashboards, ledgers, forecasts, and scheduled reports
app.mcamgr.com/reports/ledger
DateMerchantTypeAmount
Jun 16Apex LogisticsPayment+$2,450
Jun 16Coastal SpaPayment+$890
Jun 15Metro HVACBounce R01-$1,200
Jun 15Lakeside GrillPayment+$1,050
Compliance
Disclosures and liens, handled like paperwork should be
Merchants in disclosure states get the statutory document generated from the deal’s real economics — California’s SB 1235 offer summary with the new SB 362 broker compensation line, New York’s CFDL format, and key-terms sheets for the other disclosure states — and funding can be gated until it’s signed. UCC-1 liens are filed, continued, and terminated from the deal, with a reminder when a paid-off deal still has a live lien.
- State disclosure documents with estimated APR and broker compensation
- Required-in-state detection with a funding gate you control
- UCC-1 file, continue, and terminate — provider-backed or tracked manually
- OFAC and sanctions screening on every party before the wire
app.mcamgr.com/deals/4821/compliance
CA disclosure. Generated · est. APR 38.4% · broker comp shown
Signature. Signed by merchant, funding gate satisfied
UCC-1. Accepted · file #2026-0412-88 · lapses 2031
Sanctions screen. Clear on all parties
Automation and decisioning
Let the system handle the routine decisions
A configurable decision engine combines policy rules with a scorecard to recommend approve, decline, or refer on every application. ACH collections and disbursements run on a schedule, bounces are retried with coded notifications, and renewal opportunities surface automatically as deals pay down.
- Decision engine with policy rules plus a scorecard
- Automated ACH collections and same day disbursements
- Renewal opportunities detected as balances pay down
- Sanctions screening and OFAC checks on parties
app.mcamgr.com/deals/4821/decision
Policy rules. 8 of 8 passed
Scorecard. Category A, 86 of 100
Sanctions screen. Clear on all parties
Recommendation. Approve up to $130,000
Email to deal
Applications flow straight from the inbox
Point a shared intake mailbox at MCA Manager and emailed applications become deals on their own — merchant created, broker matched, attachments filed as documents. Replies thread onto the right deal automatically, offers you send carry a reply address that loops answers back in, and a move-to-deal tool fixes anything misfiled.
- Emailed applications auto-create the merchant, deal, and documents
- Replies thread onto their deal — both directions
- Unknown senders become brokers pending onboarding
- Split and merge misfiled mail with one click
app.mcamgr.com/emails
EmailFromBecame
Application — Cedar Bakery LLCbroker@northpeak.coNew deal + 4 docs
Re: Offer on Metro HVACowner@metrohvac.comThreaded to deal
Bank statements attachedcfo@lakesidegrill.comFiled on deal
Self-service portals
Give merchants and partners their own front door
Merchants apply, upload documents, e-sign, and track balances from a branded portal. ISOs submit and follow their deals, syndicators watch their positions and payouts, and referrers see what they have sent. Each company can run it on its own custom domain.
- Merchant portal for applications, uploads, and balances
- ISO, syndicator, and ISO-rep portals scoped by role
- Custom domains with automatic HTTPS per company
- Installable mobile experience with push notifications
apply.riversidefunding.com/portal
PortalAudienceStatus
Merchant portalBorrowersLive
ISO portalBrokersLive
Syndicator portalInvestorsLive
ISO Rep portalPartnersLive
Integrations, API, and e-signature
Connect MCA Manager to the rest of your stack
Send pipeline events to Slack, text merchants over Twilio, and automate anything with Zapier or Make from the integrations marketplace. Build on a broad public REST API, documented with OpenAPI and authenticated by per company keys, that reaches deals, merchants, leads, funders, ISOs, syndicators, payments, and more. Collect legally binding signatures with built in e-signature and reusable document templates.
- Integrations marketplace for comms, banking, payments, and automation
- A rich public REST API with an OpenAPI spec and per company keys
- Signed inbound and outbound webhooks on every key event
- Native e-signature with reusable, token driven document templates
app.mcamgr.com/integrations
IntegrationTypeStatus
SlackCommunicationsActive
Twilio SMSCommunicationsActive
ZapierAutomationActive
MCA Manager e-SignE-signatureBuilt in
Plays well with your stack
Connected to the tools MCA desks already run on
Plaid
DecisionLogic
Experian
DataMerch
TR CLEAR
Actum
ACHWorks
Dwolla
Twilio
Slack
Zapier
Make
DocuSign
Postmark
The complete desk
Everything an MCA operation needs, in one platform
Lines of credit
Issue revolving facilities and let merchants draw against an approved limit with their own balance view.
Payouts and 1099s
Batch commission and syndicator payouts, then generate 1099 tax forms at year end.
Contact center
Log calls, texts, and emails against merchants and deals in one unified communications timeline.
CRM sequences
Enroll leads in automated outreach sequences, schedule appointments, and never drop a follow up.
Accounting and GL
Post journal entries and reconcile bank activity so the books always tie to collections.
Statements
Schedule and send periodic merchant statements automatically on the cadence you choose.
Notifications and alerts
Configurable alert rules and notifications keep the team ahead of bounces, stips, and renewals.
Data migration
Import merchants, deals, payments, and partners from OrgMeter, LENS, Centrex, Onyx IQ, LendSaaS, MCA Suite, and more — with dry-run previews.
Insights and analytics
Forty-plus dashboards from pipeline conversion to IRR, static pools, recovery, and bounce analytics — built on your data.
Backups and billing
Scheduled per-company database backups with one-click restore, plus subscription billing managed from the platform console.
Funding checklist
One computed view of everything between approval and the wire — disclosures, contracts, stips, screening, and bank — with settings-driven hard gates.
Built for operators
A platform you can trust with real money
Database per tenant
Every company runs on its own PostgreSQL database. A small control plane holds the tenant registry, and the app connects to the right database on each request.
Role based access
117 permission flags across six roles, enforced on the server for every route, not just hidden in the interface.
Money done right
Amounts are stored as integer cents or decimal, never a float, and every timestamp is recorded in UTC.
Signed webhooks
Inbound and outbound webhook payloads are signed with HMAC SHA256 and verified on receipt, so integrations stay tamper evident.
See MCA Manager on real deals
Open the live demo to click through a fully populated workspace, or reach out and we will get your own company set up.