Cevrynt
Get Demo
Get a demo

Underwrite the whole MCA file - not just the bank statement.

Cevrynt brings borrower documents, cash-flow analysis, existing MCA positions, business verification, fraud review, and your lender policy into one evidence-linked underwriting review.

Book a walkthrough
Illustrative Cevrynt underwriting workspace showing business verification, cash-flow analysis, fraud review, and underwriting status
01

BANK STATEMENT ANALYSIS

Six statements become one cash-flow story.

Cevrynt reads the full statement period together, so your underwriter can see how deposits, balances, NSF activity, negative days, transfers, and recurring obligations behave across the deal — not month by month in isolation.

01BANK STATEMENTS REVIEWED

180DAYS OF CASH-FLOW ACTIVITY

Cevrynt normalizes the statement period into one reviewable timeline, making it easier to spot changes in deposit volume, liquidity, NSF frequency, negative-balance days, and recurring MCA debits across the full six months.
02

EXISTING MCA POSITIONS

See what the merchant is already carrying before you add another position.

Cevrynt surfaces recurring MCA payments from bank activity, connects them to the supporting transactions and agreements, and shows how much of the merchant’s daily cash flow is already committed.

76%of average daily deposits committed

$670remaining daily cash flow

$600 / day
Cevrynt shows how much of the merchant’s average daily cash flow is already committed to existing MCA repayments, then models what another proposed payment would add. The calculation stays separate from the decision: your lender policy defines what level is acceptable, and your team makes the final call.
03

LENDER POLICY

One exception shouldn’t disappear inside a score.

Cevrynt evaluates each MCA underwriting criterion separately against your own buy box — showing the observed value, required threshold, margin, and exception status before the file reaches human review.

05policy criteria checked

01exception requires review

CriterionThis dealShortYour thresholdClearYour threshold
Average monthly deposits$84,613+69% clearmin $50,000
Ending balance$31,240+212% clearmin $10,000
Committed share of a day55%+8% clearmax 60%
Existing positions1on the linemax 1
Negative days, worst month73 overmax 4Exception · needs reviewer judgment
Cevrynt keeps each policy criterion visible instead of collapsing the file into one score. This deal passes four rules and exceeds the negative-day threshold by three days, so the exception stays explicit for human review. The thresholds shown are illustrative — your lender policy replaces them.
04

SOURCE-LINKED EVIDENCE

Every underwriting number should open back to its source.

Cevrynt keeps material MCA underwriting findings connected to the evidence behind them — statement pages, transactions, application fields, agreements, and verification results — so your underwriter can check the number instead of taking the system’s word for it.

In the underwriting review

First Harbor Bank statement · April

Source page 84 of 143

19CARD SETTLEMENT · 04/282,914.60

20ACH CREDIT · 04/291,248.15

21— DEPOSIT SUMMARY —

22Total deposits and credits$84,613.42

23Card settlements61,204.18

24ACH credits18,880.06

25Cash and cheque4,529.18

26Deposit count214

27Largest single deposit5,140.00

28Average daily deposits2,820.44

29Days with no deposit6

30Returned items1

31Statement period04/01 – 04/30

11source lines supporting this findingSource lines 21–31

Cevrynt keeps each material finding connected to the evidence behind it. Some values come from a single field, others from a wider statement range or calculation, and the source trace preserves that difference. Illustrative deal · synthetic borrower data.
05

FOUNDER-LED MCA WALKTHROUGH

Bring an MCA file your team already knows.

Walk through the statements, existing positions, cash-flow signals, lender policy, and exceptions with Cevrynt. Compare what the platform surfaces with the underwriting work your team already trusts.

Book on Calendlyarin@cevrynt.com