An MCA CRM is the system of record a merchant cash advance funder runs its deals in: the pipeline from submission to funding, the ISOs and brokers who send those deals, the offers and contracts, and the remittances that come back after funding. Cevrynt's MCA CRM keeps all of that in the same deal record as the underwriting, so the file your underwriter reviews and the deal your operations team moves are the same thing.
Most funders run two systems and a lot of spreadsheets between them: a CRM for the pipeline and a separate place, often several, for statements, positions, verification and the memo. Every hand-off between them is a re-keyed number and a status someone has to chase. Cevrynt puts the CRM and the underwriting in one place.
Deal pipeline from submission to decision
Every submission lands as one deal with its merchant, documents and stage. The pipeline shows where each deal stands, from a new submission through underwriting to an offer, a contract and funding, so nobody has to ask in a group chat which file is waiting on what.
Underwriting happens inside that same deal. Statements, existing positions, verification, fraud signals, policy results and the evidence-linked memo are attached to the record rather than living in a separate tool. See how the underwriting works on the MCA underwriting software page.
ISO and broker management with submissions
ISOs and brokers have their own records: who they are, and which deals they submitted. Submissions are tied to the ISO that sent them, so the ISO relationship and the deal history sit side by side.
If you are on the broker side, our guide to MCA broker software covers how ISOs package deals and what funders look for in a clean submission.
Offers, contracts and e-signature
Offers are generated from your own pricing and terms and go out only when your team decides. Contracts and e-signature are tracked on the deal, so the path from an approved file to a signed contract is visible in one place. Cevrynt is not a lender: it never sets your price or sends an offer on its own.
For how funders structure an advance, see MCA factor rates, holdbacks and terms. Disclosure rules for commercial financing vary by state; confirm your obligations with counsel.
Funding, remittances, collections and renewals
After funding, the same deal carries its daily remittances, any collections activity and the renewal conversation. The underwriting file stays attached, so a renewal starts from what you already know about the merchant instead of from a blank submission.
| Area | What the deal record holds | Where underwriting connects |
|---|---|---|
| Pipeline | Deal, merchant, documents, stage | Every stage opens the same underwriting file |
| ISOs and brokers | ISO records and their submissions | Each submission is underwritten against your policy |
| Offers and contracts | Offers from your terms, contracts, e-signature | Offers follow the underwriter's decision, never precede it |
| Funding and servicing | Funding, daily remittances, collections, renewals | Renewals start from the existing memo and evidence |
MCA CRM with underwriting: why one system
- One deal, one record. The pipeline stage, the ISO, the memo, the contract and the remittances belong to the same deal.
- No re-keying. Figures the underwriter verified are the figures the offer and contract use.
- Evidence travels with the deal. Every number in the memo still opens to the statement page and line it came from, months later at renewal or in an audit.
- Your rules, your decision. Policy results and exceptions are shown for a person; the funder decides, prices and funds.
Comparing options? Our MCA software stack guide maps every layer a funder runs, and the comparison pages set Cevrynt beside other tools one vendor at a time.