GRADE
C
FACTOR
1.42×
APR
94.2%
From merchant submission to funding decision — automated
One platform · Seven integrations · 90 seconds per file
The Problem
Manual process
With this platform
Same headcount. Multiples of the deal flow.
Broker Intake
New deal — Sunrise Auto Body LLC
From: broker@meridianfunding.com
Hi underwriting,
Submitting a new file for review:
Merchant: Sunrise Auto Body LLC
EIN: 12-3456789
Requested: $50,000
Owner: Carlos Reyes (100%)
Contact: carlos@sunriseautobody.com
Statements + ID attached. Thanks.
New Application
INTAKEPortal link auto-sent to merchant
pmf.capital/apply/sR8nT2vWk9pQbAxLcMfGdBroker email → parsed application → merchant link sent. No keyboard touched.
Underwriting Pipeline
MTD volume
$0
Apps this month
0
In intake
0
Under review
0
Decided today
0
Active Applications
| Merchant | Requested | Status |
|---|---|---|
| Sunrise Auto Body LLCNew | $50K | INTAKE |
| Greenfield Medical Supply | $60K | DOCS PENDING |
| Bella's Italian Kitchen | $35K | ANALYZING |
| Metro Quick Mart | $25K | UNDER REVIEW |
| Hudson Logistics Inc | $120K | UNDER REVIEW |
| Coastal Marine Repair | $40K | APPROVED |
SLA breaches surface themselves. Brokers, status, aging — all live.
Merchant Portal — /apply/[token]
Premier Merchant Funding — Application Portal
For: Sunrise Auto Body LLC
Drag and drop, or click to choose files
Bank statements, ID, voided check
Or connect bank
Merchants who connect via Plaid get a faster decision and we pull 4 months of verified transactions directly from the bank — no PDFs to upload, nothing to tamper with.
Brokers send one URL. No accounts to create. No back-and-forth.
Document Tamper Detection
Statement_Nov2025.pdf
%PDF-1.7
/Producer (Microsoft Word 2024)
/Creator (Microsoft Word)
/Author (john_smith)
/CreationDate (D:20251115093000Z)
/ModDate (D:20260102143000Z)
/Title (Statement_Nov.docx)
… TouchUp_TextEdit …
… /Subj (Annotation) …
Tamper Inspector
producer_suspicious
Producer is "Microsoft Word" — banks never produce statements with Word
modified_after_creation
PDF modified 47 days after creation
edit_annotations
TouchUp_TextEdit traces detected in raw bytes
Catches the obvious tampering before a human ever opens the file.
Bank Statement Analytics
Gross deposits
$0
True revenue
$0
Avg daily balance
$0
MCA debit / deposit
0%
Risk events
Open MCA positions
| Funder | Daily debit | Since |
|---|---|---|
| OnDeck Capital | $320 | 2025-09-14 |
| Forward Financing | $285 | 2025-10-02 |
| Kapitus | $240 | 2025-11-08 |
Merchant disclosed 1 open position. Bank statement reveals 3. Stacked-disclosure violation flagged.
Third-Party Data
Elapsed
0.0s
Microbilt — Personal Guarantor Credit
Microbilt — Business Credit
Microbilt — OFAC / Watchlist
DataMerch — MCA Blacklist
Wolters Kluwer iLien — UCC
Middesk — Business Legitimacy
Each call is audit-logged with cost, latency, and result. Re-runnable from any application detail page.
DataMerch · Industry Shared Intelligence
Funder members
0+
Merchant records
0+
Established
2015
Lookup
Real-time · EIN
How it works
180+ funders
Report bad actors
DataMerch registry
Shared · EIN-keyed
Your platform
Queries every deal
Auto-contributes back on funding
Last Tuesday — a different deal
Coastal Marine LLC
$80,000
Everything else looked fine.
DataMerch result
HIT · 3 entriesStopped ACH after $17K disbursed · $32,400 outstanding · no contact since
Switched bank accounts mid-deal · new account in spouse's name
Required reverse consolidation · 8 missed payments · settled
Declined. $80,000 loss avoided. Would have passed every other check.
The most important data source in MCA. Cheap. Industry-standard. Wired in by default.
Underwriting Summary
Brooklyn, NY · LLC · 32 months in business · NAICS 8111
Paper grade
?8 sources · 14 signals
Requested
$50K
PG FICO
612
True rev / mo
$39K
Open MCAs
3
Signals composited
Risk flags
Grade engine: FICO 612 + 32 mo TIB + $39K/mo rev + 3 open positions → C paper. Recommend factor 1.42, term 5 mo, 50% of monthly revenue.
Pricing Engine
Grade
C paper
TIB
32 months
True rev/mo
$39,400
Open MCAs
3
Conservative
$30K
funded
Factor
1.45×
Term
4 mo
Holdback
15%
Daily ACH
$494
Standard
Recommended$35K
funded
Factor
1.42×
Term
5 mo
Holdback
12%
Daily ACH
$452
Aggressive
$40K
funded
Factor
1.38×
Term
6 mo
Holdback
10%
Daily ACH
$418
Factor-rate curve · by paper grade
A
1.18×
B
1.28×
C
1.42×
This deal
D
1.50×
Three offers, instantly. Underwriter picks one. Merchant gets a contract.
State Compliance
Regulated states detected
California
SB 1235 · APR required
New York
CFDL §801 · APR required
Utah
Commercial Financing Reg
Virginia
Sales-Based Financing Act
Connecticut
Commercial Financing Disc
Merchant state NY matched — NY CFDL §801 applies
NY_Disclosure_Sunrise.pdf
COMMERCIAL FINANCING DISCLOSURE
State of New York · CFDL §801
Disclosure provided to
Carlos Reyes
Sunrise Auto Body LLC
NY CFDL · OK
CA SB 1235 · NY CFDL · UT · VA · CT — generated on every offer.
Decision & Audit
Underwriter Decision
Counter-offer notes
“C-paper. Approve $35K (not $50K) at 1.42 factor, 5 mo term. Conditional on payoff letter for OnDeck position (consolidation).”
Audit Trail
Every decision is reproducible. Every signal is preserved. Every actor is named.
Portfolio Intelligence
MTD funded
$0
Portfolio default rate
0.4%
Fraud caught (90d)
0
Loss avoided
$0
Default rate by paper grade
Broker scorecard
| Broker | Volume | Approve | Default |
|---|---|---|---|
| Meridian Funding | $1.8M | 64% | 7% |
| Atlas Capital | $1.2M | 58% | 9% |
| Pinnacle Brokers | $780K | 51% | 11% |
| Crest Advance | $420K | 32% | 24% |
Pricing tuned to grade. Broker quality measured. Every loss caught is a dollar earned.
Cross-Portfolio Intelligence
Pattern match detected
3 applications · 60 days · 1 person · 3 EINs · 2 brokers
What we matched on
SSN (PG)
###-##-1234
carlos.reyes@gmail.com
Routing + acct mask
021000021 / ••4242
Business address
1847 Atlantic Ave, Brooklyn
EIN
3 different — 47-… / 88-… / 12-…
Legal name
3 different (Reyes, S.A.B., Sunrise)
Application history — same person
| Date | Legal | Amt | Status | |
|---|---|---|---|---|
| 2026-03-04 | Sunrise Auto Body LLCNow | $50K | Pending | |
| 2026-02-12 | S.A.B. Holdings LLC | $45K | Declined | |
| 2026-01-28 | Reyes Family Auto Inc | $60K | Withdrawn |
Same SSN. Different EINs. Different brokers. Caught before funding.
2½ hours of underwriter time saved per deal. Every file. Every day.
Per-file time
2h 35m
90 sec
Fraud caught
Eyeballed
Auto + Inscribe
Vendor pulls
Sequential
Parallel
Audit trail
Spreadsheet
Immutable
PMF Capital · MCA Underwriting Platform