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Cevrynt AI underwriting platform: Every answer, tied back to the file.

Documents, bank analysis, verification, fraud signals, your policy and the memo, then a built-in MCA CRM for offers, funding and servicing, in one evidence-linked record.

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Cevrynt platformCedar & Stone LLC · one record, submission to servicingIllustrative · no borrower data

Underwrite the file

  1. 01Intake
  2. 02Documents
  3. 03Financials
  4. 04Verification
  5. 05Fraud
  6. 06Policy
  7. 07Memo
  8. 08Your decision

Run the deal

  1. 09Offer
  2. 10Contract
  3. 11Funding
  4. 12Servicing
Source evidence
Average monthly deposits$84,613First Harbor statement · pages 4–12
Underwriting context
Existing MCA debit$1,550 / dayRapid Advance Funding · recurring ACH
Lender policy
Your rules, v3.410 of 12 met2 exceptions left open for review
Decision record
Reanalysis · version 25 findings movedNotes and the override kept with the file

Decision

Your underwriter's call

Cevrynt scores the deal and recommends a decision and amount, with the reasons. Your underwriter decides; Cevrynt does not fund.

Built-in MCA CRM

Offer
From your terms
Contract
E-signed by both
Funding
Released by your team
Servicing
Daily remittance
01

The platform

Four things stay connected through every underwriting step.

Cevrynt still moves a deal through eight stages. These are not additional steps — they are the four things the platform keeps attached to the file from intake through final review.

  1. 01

    Source Evidence

    Every finding can be traced back.

    Documents, statement pages, transactions and verification results stay linked to the values and findings derived from them.

  2. 02

    Underwriting Context

    The deal stays one story, not eight separate reviews.

    Cash flow, business identity, existing obligations, fraud signals and reviewer notes remain connected as the file moves through underwriting.

  3. 03

    Lender Policy

    Your rules travel with the deal.

    Thresholds, conditions and exception rules stay attached to the review. Cevrynt shows where the file fits policy, where it does not, and where human judgment is still needed.

  4. 04

    Decision Record

    What happened stays with the file.

    Findings, evidence, policy results, corrections, reanalysis, notes and overrides remain in the same record so another reviewer can understand what changed and why.

02

Submission to servicing

One record, from the first document to the last remittance.

Cevrynt underwrites the file and then runs the deal. The built-in MCA CRM carries the same record through the offer, the contract, funding and servicing, so nothing is re-keyed between systems.

Underwrite the file

Eight stages, one file. Every finding keeps the page, line or check it came from.

  1. 01IntakeEach submission lands against one deal, with the merchant, the ISO and every document attached.
  2. 02DocumentsStatements, applications and IDs are classified and key fields extracted with a link to the source page.
  3. 03FinancialsTrue revenue, average daily balance, negative days, NSFs, existing MCA positions and stacking.
  4. 04VerificationBusiness identity checked across the application, filings and bank account, with mismatches shown.
  5. 05FraudDocument and data inconsistencies raised as signals for a person to review, never as a verdict.
  6. 06PolicyYour credit rules applied one by one: pass, fail or needs judgment, with exceptions left open.
  7. 07MemoAn evidence-linked underwriting memo, produced in minutes, where every figure opens back to its source.
  8. 08Your decisionYour underwriter approves, declines or asks for more. Notes and overrides stay on the record.

Run the deal

The built-in MCA CRM carries the same record after the decision. Nothing is re-keyed.

  1. 09Pipeline & ISOsEvery deal's stage in one pipeline, with ISO and broker records and their submissions.
  2. 10OfferOffers built from your own pricing and terms, sent only when your team decides.
  3. 11ContractContracts and e-signature tracked on the deal.
  4. 12Funding & servicingFunding, daily remittances, collections and renewals, beside the underwriting that approved them.
03

SOURCE EVIDENCE

Every underwriting fact can be checked.

Cevrynt keeps the source behind each material finding — the document, page, transaction, or verification result — so an underwriter can verify what the system found before relying on it.

  1. 01Average monthly deposits$84,613
    Read from

    First Harbor Bank Statement · April · pages 4–12

    Calculated from qualifying deposit activity · internal transfers excluded

  2. 02Legal business name4 of 4
    Read from

    Application · articles of organisation · bank account · processing statement

    Cedar & Stone LLC in all four · punctuation differs · no identity determination made

  3. 03Recurring MCA debit$1,550 / day
    Read from

    First Harbor Bank Statement · recurring ACH activity

    Rapid Advance Funding · repeated daily debit pattern detected

04

Analysis layer

Turn bank activity into the signals an underwriter actually reviews.

Cevrynt reads the financial evidence as a whole — separating inflows, measuring liquidity, identifying cash-flow stress and surfacing recurring debt obligations. Each finding stays connected to the activity behind it and moves forward to verification, fraud and policy review.

Derived fromStructured financial evidence
  1. Revenue & deposits
    • Monthly qualifying deposits
    • Deposit consistency and trend
    • Large or unusual inflows
    • Revenue concentration
  2. Liquidity & cash flow
    • Average and ending balances
    • Negative-balance days
    • NSF / returned-item activity
    • Cash-flow volatility
  3. Existing obligations
    • Recurring MCA debits
    • Active loan / MCA positions
    • Daily or weekly repayment load
    • Stacking and repayment pressure
Structured underwriting findingsKYB/KYC → Fraud Detection → Policy Engine → Human Review

Analysis does not make the funding decision. It gives the next stages a structured financial picture with the evidence still attached.

05

LENDER POLICY

Your credit policy, applied rule by rule.

Cevrynt evaluates the deal against the underwriting criteria your team defines. Every rule shows the borrower value, required threshold, outcome, and exception — while human overrides remain visible in the deal record.

Growth Capital · Standard MCA

Policy v3.4 · active

  • 10 / 12Rules passed
  • 2Exceptions
  • 1Override
  • REVIEWREQUIRED
  1. Minimum monthly revenue$84.6K≥ $75KPass
  2. Average daily balance$31.2K≥ $20KPass
  3. NSF tolerance · 90 days6 events≤ 5Exception
  4. Time in business14 months≥ 12 moPass
06

REANALYSIS & HISTORY

When the file changes, Cevrynt shows what changed with it.

A new bank statement, corrected agreement, or missing document should not erase the first review. Cevrynt re-runs the updated file, compares it with the previous version, and surfaces which financial findings, risk signals, and policy results actually moved.

  1. Version 1 · 10:42 AMInitial underwriting review
  2. Version 2 · 12:14 PMNew evidence received
  • 2 NEW INPUTS
  • 5 FINDINGS CHANGED
  • 1 POLICY EXCEPTION CLEARED
  1. Average monthly deposits$84.6K$91.3Kwas $84.6K+7.9%
  2. Average daily balance$31.2K$34.8Kwas $31.2K+$3.6K
  3. NSF activity · 90 days6 events4 eventswas 6 eventsException cleared
  4. Existing MCA positions2 active1 activewas 2 active1 position updated
  5. Policy exceptions2 open1 openwas 2 open1 cleared
  6. Daily repayment load$1,550 / day$775 / daywas $1,550 / dayReduced
07

DECISION AUTHORITY

Cevrynt prepares the file. Your team makes the call.

Every approval, decline, price and offer stays with the funder. Cevrynt shows the evidence, applies your rules and keeps the record, so the people who own the decision can make it faster and defend it later.

Cevrynt is

  • MCA underwriting software with a built-in CRM
  • One evidence-linked record from submission to servicing
  • Your credit policy, applied rule by rule
  • A memo your underwriter can check line by line
  • Scoped to your workflow before a pilot starts

Cevrynt is not

  • A lender. Cevrynt never funds or guarantees funding
  • A black box. Every score and recommendation shows its reasons and evidence
  • The final decision-maker. Your underwriter approves, declines or adjusts
  • A source of offers you did not set. Pricing and terms are yours
  • A replacement for your underwriters' judgment
08

Questions

What funders ask before a walkthrough.

Cevrynt platform: common questions

What is the Cevrynt platform?

Cevrynt is AI-assisted MCA underwriting software with a built-in CRM for U.S. merchant cash advance funders and alternative lenders. It takes a deal from submission through documents, bank statement analysis, business verification, fraud signals, your credit policy and an evidence-linked memo, then carries the same record through offers, contracts, funding and servicing.

Does Cevrynt approve or decline deals?

Cevrynt scores each deal, with an underwriting score and a fraud score, and recommends a decision and an amount within a floor and ceiling, each with the reasons and evidence behind it. Your underwriter reviews that recommendation and makes the final decision: approve, decline or adjust. Offers come only from your own pricing and terms. Overrides and notes are kept on the deal record so another reviewer can see what was decided and why.

What does evidence-linked mean?

Every figure and finding in the file keeps the source it came from: the statement page and line, the document field or the verification check. An underwriter can open any number in the memo and see exactly where it was read.

Does Cevrynt include a CRM?

Yes. The built-in MCA CRM covers the deal pipeline, ISO and broker management with submissions, offers from your own pricing and terms, contracts and e-signature, and funding, daily remittances, collections and renewals, all in the same record as the underwriting.

How long does an underwriting memo take?

The memo is produced in minutes once the documents are in. How long the full review takes depends on your team, your policy and how many exceptions the file raises.

Can we use our own credit policy?

Yes. Your thresholds, conditions and exception rules are set up as your policy, and Cevrynt shows for each rule whether the deal passes, fails or needs judgment. See the policy engine.

How does Cevrynt connect to our existing tools?

Integrations are scoped with your team before a pilot, based on the systems you already use. See integrations and how a pilot works.

09

PLATFORM WALKTHROUGH

See exactly where Cevrynt fits.

Walk through a real MCA or SMB underwriting process with the Cevrynt team. We’ll map the documents, analysis, verification, policy rules, exceptions, and reviewer decisions Cevrynt can support — without forcing you to change the workflow first.

Book on Calendlysales@cevrynt.com