Software for alternative business lenders and MCA brokers
Most funding desks lose more money to their own process than to bad credit. Deals live in inboxes, nobody can say which lender saw which file, and the renewal book only becomes visible when a merchant answers somebody else's cold call. We build the system that closes those three gaps, and we built one for ourselves first.
Capital and credit. A file opens, documents get collected, a third party decides, money moves, and every step has to be auditable. We have run this machine in production.
Sub-niches covered: Merchant cash advance brokers and ISOs, Direct funders and syndication desks, Revenue-based finance, Small business term lenders, Line of credit providers, Broker networks and white-label funding programs.
You likely have this problem if:
Nobody can tell you which files are one document away from funding.
Your renewal list is a spreadsheet somebody updates when they remember.
Two reps have worked the same merchant without knowing it.
A lender has seen the same deal twice from two directions.
Stipulation status lives in a rep's inbox, not on the file.
What breaks operationally:
Lender submissions go out by email, so there is no record of who received what package or when they last replied.
Stipulations arrive as replies buried in a thread, and nobody knows which file is one document away from funding.
The renewal book is a spreadsheet somebody updates monthly, which means every merchant past sixty percent repaid is effectively unmonitored.
Two reps work the same merchant under two spellings of the business name and the lender sees the file twice.
What we build:
Lender submission tracker. Every package that leaves the desk is logged against a lender, with the response, the offer, and the stipulations attached to the file rather than to somebody's inbox.
Document collection portal. Merchants upload bank statements, applications and voided cheques against a per-lender checklist, with automated chasing that escalates on its own schedule.
Renewal book. Funded deals are tracked to estimated percentage repaid and surfaced as a ranked call list before the merchant starts shopping.
Duplicate and split detection. Merchants are matched across spellings, numbered companies and second businesses, so the same file never reaches a lender twice from two directions.
Why not just use Salesforce or HubSpot for a funding desk?
Generic CRMs model a pipeline of opportunities, not a file that gets submitted to several lenders at once, comes back with different offers and stipulations from each, and then has to be tracked through repayment. You can force it, and most desks that try end up with a pipeline that is accurate for the sales stage and useless for everything after approval.
How long does a custom lending CRM take to build?
A working submission tracker and document portal is normally live in weeks, not quarters, because the shape of the problem is already known. The parts that take longer are the ones specific to your desk: your lender matrix, your commission split, your renewal rules.
Can it track renewals if we do not get repayment data from the lender?
Yes. Most desks never receive a live balance. You estimate progress from funded amount, factor rate, payment frequency and funding date, then correct it whenever a lender statement or a merchant conversation gives you a real number. An estimate that is directionally right beats a spreadsheet nobody updates.
Will merchants actually use a document portal?
They use it when the alternative is worse. A link that shows exactly which four documents are missing gets a higher completion rate than an email asking for a package, and the automated follow-up removes the part your team hates doing.
Last reviewed 22 August 2026