Free AI Underwriting for MCA Brokers & Funders

Free AI Underwriting for
MCA Brokers & Funders.

Upload merchant bank statements and get an AI-powered underwriting analysis of revenue, cash flow, NSFs, existing positions, risk factors, and deal readiness in seconds.

$0Free for brokers & funders.No credit card required.
Revenue & DepositsCash FlowNSF DetectionExisting PositionsRisk FactorsDeal Readiness

Free to use. No subscription required. Built for MCA brokers, ISOs, funders, and lenders.

ABC Roofing LLC

DEMO - FICTIONAL DATA

Revenue: $92,400/mo - Requested: $100,000

Application Received

Merchant application uploaded

ABC Roofing LLC - Roofing - Florida

Built for the MCA Industry

Built for the MCA Industry.

One AI-powered underwriting platform for the people evaluating MCA opportunities.

MCA Brokers

Analyze merchant files faster and identify important underwriting factors before submitting deals.

  • Faster bank statement analysis
  • Revenue & cash-flow analysis
  • NSF detection
  • Existing position analysis
  • Risk factors
  • Deal-readiness insights

MCA Funders

Get a faster first-pass view of merchant financial information and risk factors.

  • Faster financial analysis
  • Revenue & cash-flow analysis
  • NSF detection
  • Existing position analysis
  • Risk factors
  • Underwriting insights

MCA ISOs

Give your team AI-powered underwriting assistance before submitting deals to funding partners.

  • Consistent deal analysis
  • Revenue & cash-flow analysis
  • NSF detection
  • Existing position analysis
  • Risk factors
  • Broker action plans

Brokerage Owners

Help your reps analyze files consistently while maintaining human underwriting judgment.

  • Standardized analysis
  • Revenue & cash-flow analysis
  • NSF detection
  • Existing position analysis
  • Risk factors
  • Deal-readiness insights
Deal-Aware Underwriting Copilot

An AI that knows your deal inside and out.

Open the Copilot on any deal page and it instantly reads that deal's full underwriting analysis, risk flags, financial DNA, and funder matches. No copying numbers, no explaining context — just ask and get deal-specific answers in plain English.

Reads the full Deal Doctor analysis — scores, risk flags, revenue trends, and funder matches for the deal you're viewing.

Switches context as you navigate — move to another deal and the Copilot instantly refocuses.

Never fabricates — every answer is grounded in your actual deal data and analysis results.

Try asking

"What should I request?""What's hurting this deal?""Which funder should I try first?""What happens if I ask for $75K?""What documents are missing?""Why is this deal a 72?"

FundingBrother.com Copilot

ABC Roofing LLC · Deal Score 87

DEMO
What's hurting this deal?
Two things stand out: 1) Existing Position #2 adds ~$6K/mo in obligations, pushing payment burden to ~24% at $100K. 2) Two NSFs in the last 90 days, though both are minor. Revenue quality and banking stability are strong — the deal is fundable, but requesting $85K instead of $100K would significantly improve funder compatibility.
Which funder should I try first?
Atlas Capital at 94% match. They accept up to 2 positions, serve your industry, and their funding range ($50K–$150K) fits your $85K ask. Summit Capital is a strong secondary at 87%. I'd hold Blue Ridge as backup — their position tolerance is tighter.

AI uses your authorized deal information only. Responses are estimates, not guarantees.

How It Works

From Bank Statements to Underwriting Intelligence in Seconds.

Three steps from raw financial data to a clear, actionable deal analysis.

01

Upload

Upload merchant bank statements securely. Drag and drop PDFs, CSVs, or images of 3-6 months of statements.

02

Analyze

FundingBrother.com extracts and analyzes important financial information - revenue, cash flow, NSFs, existing positions, and risk factors.

03

Underwrite

Review revenue, cash flow, NSFs, existing positions, risk factors, and deal-readiness insights to support your underwriting decision.

No credit card required.

For Brokers

Brokers can use FundingBrother.com to understand opportunities faster and prepare smarter submissions.

For Funders

Funders can use FundingBrother.com to accelerate initial review and better understand incoming opportunities.

Features

Everything you need to understand a deal.

Turn bank statements into structured underwriting intelligence - revenue, cash flow, risk, and a clear action plan.

AI Underwriting Analysis

Upload bank statements and get a complete underwriting report in seconds - not hours.

Revenue Analysis

Average monthly deposits, trend, volatility, and consistency - extracted and organized.

Cash Flow Analysis

Average balances, ending balances, available cash flow, and unusual activity flagged.

NSF Detection

NSF count, negative balance frequency, overdraft indicators, and trend analysis.

Risk Flags

Clear severity levels - Low, Medium, High - with what was found, why it matters, and what to do.

Existing Position Analysis

Detect MCA/ACH obligations, estimate payment burden, and identify stacking indicators.

Deal Scoring

A clear 0-100 deal health score with a full breakdown of every factor behind it.

Broker Action Plans

Specific, actionable next steps - what to verify, what to fix, and what to ask for.

Deal Pipeline

Track deals from new to funded with a clean, organized pipeline and deal history.

Analyze smarter. Move faster.

Your AI Underwriting Desk - free for every MCA broker and funder.

Your Deals. Your Analysis.

FundingBrother.com is designed to help you analyze your own merchant files. Your uploaded documents are not automatically distributed to brokers, funders, or other users. There is no marketplace and no deal-sharing board. Your uploads are used for one thing only: generating your underwriting analysis.

No deal sharing between users

Your deals are never visible to other brokers or funders on the platform.

No selling of merchant data

We do not sell, rent, or distribute sensitive merchant information.

Analysis is generated only for you

Uploaded files are used solely to produce your underwriting analysis.

Built for people who value privacy

No marketplace. No deal board. No automatic distribution. Just your workspace.

Trust & Security

Built for serious deal flow.

Factual security practices — no unsupported claims, no overstated capabilities.

Secure Document Handling

Files are processed securely and never exposed through predictable public URLs.

Organization-Level Data Isolation

Users only access authorized organization data — enforced at the database level.

Audit Trail

Every action on every deal is logged — who did what, and when.

Role-Based Access

Admins and users have distinct permissions. Sensitive operations require elevated access.

AI Explainability

Every score, match, and risk flag comes with a plain-English explanation. No black boxes.

Human Review

FundingBrother.com provides underwriting assistance — the professional makes the final call. Always.

FundingBrother.com is analytical software. Match scores, deal scores, and recommendations are estimates based on available information and are subject to each funder's own underwriting. FundingBrother.com does not guarantee approvals, funding amounts, rates, or terms. Not a licensed lender.

FAQ

Frequently Asked Questions

Straight answers about FundingBrother.com.

Ready to Analyze a Deal?

Upload bank statements and get an AI underwriting analysis in minutes.

FundingBrotherFundingBrother.com

Free AI Underwriting for MCA brokers, ISOs, funders, and lenders. Turn bank statements into actionable underwriting intelligence in seconds.

Broker-grade security

Company

  • contact@fundingbrother.com

© 2026 FundingBrother.com. All rights reserved.

FundingBrother.com is an analytical software platform. Match scores, deal scores, and recommendations are estimates based on available information and are subject to funder underwriting. FundingBrother.com does not guarantee approvals, funding amounts, rates, or terms. Not a licensed lender.