Recurring withdrawal cadence
Fixed daily and weekly debits of consistent amounts are the clearest fingerprint of an active advance. MetrikData detects the cadence and groups the related debits into a single position.
MCA stacking detection
See every advance a merchant is already carrying
Stacking is the fastest way a clean-looking deal turns into a default. MetrikData reads the merchant’s bank statements and surfaces existing MCA positions, recurring funder withdrawals, and the daily debt service eating into deposits — with the exact transactions behind each one.
- Recurring daily and weekly withdrawal patterns
- Funder and ISO naming signatures
- Estimated existing daily debt service
- Every position backed by source transactions
The problem
Why stacking is so hard to catch by eye
A merchant with three active advances can still show strong gross deposits. The danger isn’t in the top-line revenue — it’s in the debits. Funders pull repayment on fixed daily or weekly schedules, often under ACH descriptors that don’t obviously read as “loan repayment.” Scrolling a 300-line statement to find them is slow, and it’s easy to miss a position that quietly consumes a fifth of daily cash flow.
MetrikData was built to make that invisible burden visible. It scans every debit for the repayment signatures of MCA funders, groups matched debits into positions, and labels each one with a confidence level so you know what’s a strong match versus a possible one.
How detection works
What MetrikData looks for
Stacking detection combines pattern, cadence, and naming signals — then ties everything back to the underlying transactions so you can verify it yourself.
Funder & ISO naming signatures
Known funder names, ISO descriptors, and ACH patterns consistent with advance repayment are matched against the debit stream and surfaced with the merchant the money is going to.
Estimated daily debt service
From the matched positions, MetrikData estimates the merchant’s existing daily and weekly repayment load — so you can weigh stacking burden against real deposit volume, not guess at it.
Positions grouped with confidence
Each detected advance is presented as a position with a confidence level, the number of payments seen, and the amount per payment — not a raw list of scattered debits.
Burden against external revenue
Debt service is compared against true external revenue rather than gross deposits, so transfers and non-revenue credits don’t mask how leveraged a merchant really is.
Evidence you can click into
Every position links back to the exact debits that produced it. Nothing is a black box — you can confirm each match before it informs your decision.
In practice
From upload to a stacking picture in minutes
Upload the statements
Drop in the merchant’s bank-statement PDFs — text-based or scanned. MetrikData reads every transaction and daily balance.
Review detected positions
See each existing advance grouped as a position with its cadence, payment amount, and confidence level, plus an estimate of total daily debt service.
Verify and decide
Click any position to see the source debits. Correct anything that looks off, then underwrite with a clear view of the stacking burden. The decision stays yours.
FAQ
Common questions
Can MetrikData detect stacking from scanned statements?
Yes. MetrikData reads both text-based and scanned/image PDFs via OCR, so stacking detection works even when the merchant only has scanned statements.
Does it tell me whether to approve or decline the deal?
No. MetrikData surfaces the existing positions, debt service, and evidence behind them. It does not output an approval, a decline, or a recommended advance amount — the underwriting decision stays with you.
What if a position is mislabeled?
Every detected position links back to the underlying transactions, and parsed data is editable before you run an analysis. You can confirm, correct, or dismiss a match, and the metrics recompute from your corrections.
How confident is the detection?
Each position carries a confidence level based on the strength of the cadence, amount consistency, and naming signals. Strong, regular daily withdrawals from a recognizable funder score higher than a single ambiguous debit.
Keep exploring
Related
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