MCA Underwriting Intelligence

Spot stacked positions
before funding

Every position. Correct burden. In seconds.

MetrikData is bank statement analysis software for merchant cash advance underwriting — upload statements, get MCA stacking detection, true repayment burden, and clean underwriting reports from one workspace.

Net Flow −$14.9k
Revenue +$123k
Burden 47.7%
Liquidity $250
Positions 4 stacked
Deposits 142
Auth Verified
Advance $50k
Daily debit −$1.8k
Stacking Detected
Low-bal days 9
NSF 3 returns
WIRE IN+$20.4k
Channel Partners−$10k
Halyard+$17.5k
OnDeck−$6,400
SBA−$3,100
MCA−$1,734
NSF−$89
MetrikDataLive analysis
Demo Merchant LLC
Bank of America · May 2026 · 106 transactions
Picture score
0/100
MCA burden
0%
of revenue
Net flow
−$0k
−12% of revenue
Positions
0
3 daily · 1 weekly
Daily balancehealthy low-bal
Monthly revenue
DecMay
Structured by MetrikData
5 free statements on sign-up · no card requiredMinutes from upload to full reportEvery major US bank statement supportedPDF + CSV export included on all plans
Reads statements from every major US bank
How it works

Drop a statement, see the picture

A PDF goes in. Positions, burden, and risk come out — every figure tied to the rows behind it.

01

Upload the statement

Drop a PDF from any major US bank. Read directly from the statement — no screenshots, no manual entry.

02

Parse & tag every row

Each transaction is normalized and labeled — deposits, MCA debits, loan payments, transfers, fees.

DepositMCALoanFee
03

See the risk picture

Positions, burden, net flow, and liquidity surface as one picture — each number tied to its source rows.

4 positions47.7%−$14.9k
Statement authenticity

Catch altered statements
before they reach underwriting

Every PDF is read directly and checked against four tamper signals — so a doctored balance or a re-saved file doesn't slip through. Learn how bank statement verification works.

Report surface

Explain pressure without hiding the evidence

Every metric stays tied to the transactions behind it.

True revenue$123,359
MCA payments$58,794
MCA-only burden47.7%
Low-balance days1 / 22
Tied to normalized transaction rows and saved merchant history.
Pre-screen risk scan

See the risk before you read the report

Every position, burden, and cash-flow flag — rolled into one risk summary at the top of the report.

  • Risk level and score from the same data, surfaced first
  • Stacking, burden, cash flow, and NSF as at-a-glance signals
  • Authenticity check flags edited or photoshopped statements
  • Every figure still links to the transactions behind it
Sample read

One statement, fully read

A 31-day statement through the engine — positions found, typed by payment cadence, burden measured against cleaned revenue. Sample data, modeled on real detection patterns.

●●●●● ●● ●●●●●● CORPBank of America · 31-day statement · 63 transactions
Sample read
FORAFINANCIAL S3 DES:MERCHDEBITWeekly · $1,950 × 4MCA$7,800
EN OD CAPITAL DES:PAYMENTWeekly · $2,250 × 4MCA$9,000
FLASH ADVANCE DES:PAYMENTWeekly · $2,400 × 4MCA$9,600
ONDECK CAPITAL17 DES:27852Monthly · $3,000 × 1Loan$3,000
CHANNEL PARTNER DES:PAYMENTMonthly · $8,700 × 1Loan$8,700
True revenue
$60,000
$21,486.53 internal transfers excluded
MCA position debits
$26,400
3 positions, typed by cadence
MCA-only burden
44.0%
all positions: 63.5%
Illustrative sample — in the product, every figure traces to the transaction rows behind it.
Get started free

Run your first merchant free

Sign up in seconds. Your first 5 statement analyses are free — no credit card required.

  • Upload statements and see the picture in minutes
  • Every position, burden, and NSF flag detected
  • Reviewable formulas with audit-ready context