Every case study below represents a real client challenge solved by our expert team. Client names are kept confidential under NDA.
Underwriting turnaround time was 8 to 9 hours per file, severely limiting daily deal capacity.
Dedicated underwriting and bank statement scrubbing support integrated into the client's existing workflow.
Turnaround reduced from 8–9 hours to approximately 1 hour per file — dramatically increasing daily processing capacity.
Files were delayed because the internal team could not review all submissions daily.
Underwriting and bank statement scrubbing support to handle the full daily submission volume.
Same-day review implemented for the majority of files, eliminating backlogs and overnight delays.
CRM was disorganized and deals were being submitted to the wrong lenders.
CRM reorganization and lender criteria matching process implemented across the ISO operation.
Submissions became fully structured and matched to correct funders, resulting in measurably improved lender approval rates.
Brokers were manually packaging deals, which significantly slowed submissions.
Admin support and deal packaging team integrated into the broker's daily workflow.
Deals submitted to lenders 3 to 4 hours faster, allowing brokers to handle more files per day.
Inconsistent underwriting decisions between different analysts on the team.
Standardized underwriting process and documentation protocols implemented across the team.
Consistent, uniform decisions achieved across all files regardless of which analyst handled the review.
Missing positions in month-to-date bank statements were going unnoticed during review.
Detailed statement review and position verification integrated into every scrub.
Funding-stage declines caused by undetected positions were significantly reduced, protecting funder revenue.
Renewal opportunities were rarely tracked and most were being missed entirely.
Renewal tracking system and merchant payment monitoring implemented.
Renewal win rate increased by approximately 60 percent as deals were identified and acted on earlier.
Manual workflow caused significant delays in processing each file.
Process improvement and administrative support to streamline the file handling workflow.
Processing time reduced by approximately 30 minutes per file, meaningfully increasing daily capacity.
Syndicator relied entirely on third-party deal breakdowns for accuracy.
Independent internal breakdown verification process implemented.
High-risk deals identified and avoided before funding, preventing potential losses over time.
Analysts were missing critical red flags in business bank statements.
Comprehensive scrubbing with detailed financial analysis and structured risk flag reporting.
Risk detection improved significantly, enabling better underwriting decisions and reducing funding losses.
High deal decline rate due to incorrect lender submissions.
Funder criteria matching and lender-specific submission process implemented.
Approval rates from lenders increased noticeably as deals were matched to funders whose criteria they met.
Slow response time to ISO submissions was damaging funder-ISO relationships.
Dedicated underwriting support team handling all incoming ISO submissions same-day.
Offers generated within hours of submission, strengthening ISO relationships and improving competitive positioning.
Merchant documents were frequently incomplete or poorly organized for lender review.
Admin and document management support with standardized package preparation.
Clean, complete packages sent to lenders consistently, reducing back-and-forth and speeding approvals.
Overleveraged merchants were being approved accidentally due to missed analysis.
Financial leverage review integrated into every scrubbing assignment.
Deal quality improved substantially as overleveraged merchants were identified before funding decisions.
Large volume of simultaneous submissions created severe operational bottlenecks.
Full back-office workflow support scaled to handle the submission volume.
File processing capacity increased significantly, allowing the lender to handle peak volumes without delays.
Analysts spending too much time on repetitive data entry tasks.
Admin support and structured data extraction to handle all repetitive tasks.
Underwriters freed to focus exclusively on decision-making, increasing their effective output per day.
Deal submissions consistently slowed during peak volume days.
Dedicated admin team for deal packaging and submission during all volume periods.
Faster, consistent deal submissions achieved even during high-volume periods.
Merchant risk indicators were sometimes overlooked during file review.
Detailed scrub reports with clearly formatted, prioritized risk flags.
Underwriting decisions became more informed and better supported by documented risk analysis.
Declined deals were not being tracked or resubmitted to alternative lenders.
CRM tracking improvements and a declined deal resubmission workflow implemented.
Previously declined deals systematically resubmitted to appropriate lenders, recovering funding opportunities.
Deal processing significantly slowed during high submission volume periods.
Additional underwriting support team scaled quickly to match volume.
Same-day response time maintained even during peak periods, preserving ISO satisfaction.
Renewal opportunities were being missed entirely due to lack of tracking.
Merchant payment monitoring and renewal identification system implemented.
Renewal deals identified earlier in the cycle, increasing revenue from existing merchant relationships.
Manual bank statement review was consuming excessive analyst time.
Bank statement scrubbing support using Ocrolus and HeronData.
Review time reduced significantly, allowing the team to process a far higher daily volume of applications.
Syndication percentages were being miscalculated, affecting investment allocation accuracy.
Breakdown verification and accuracy process implemented for all syndication calculations.
Investment allocations became more precise, improving risk management and investor confidence.
Analysts were manually reviewing every individual transaction in bank statements.
Structured transaction analysis and automated statement review process implemented.
Transaction review speed improved substantially, freeing analyst time for higher-value decision-making.
Merchant packages were not formatted consistently across different submissions.
Standard document formatting and packaging process implemented across the operation.
Lenders received professionally formatted packages consistently, improving credibility and approval speed.
Underwriters were overloaded with small administrative tasks that consumed their time.
Admin and scrubbing support to offload all routine and repetitive work.
Underwriters handled more deals per day by focusing exclusively on decisions rather than admin tasks.
Slow communication between internal teams was causing deal movement delays.
CRM updates and cross-team workflow coordination implemented.
Deal movement accelerated as status updates, tasks, and next steps were kept current in real time.
Inconsistent deal review workflow created unpredictable processing times.
Process standardization across the entire underwriting team and workflow.
Processing times became consistent and predictable, improving capacity planning and ISO communication.
Deals were being declined at funding stage due to missed positions during initial review.
Detailed position verification integrated into every scrubbing assignment.
Last-minute deal failures caused by undetected positions significantly reduced, protecting funding revenue.
Submissions to lenders were inconsistent in format and completeness.
Lender-specific submission process and formatting standards implemented for every funder.
Acceptance rates improved as submissions consistently met each funder's specific requirements.
Blind reliance on external deal analysis created risk exposure in syndication decisions.
Independent internal breakdown verification process built and implemented.
Better risk control achieved by verifying every deal internally before committing syndication funds.
Slow internal operations were limiting overall deal volume capacity.
Full underwriting and administrative support team integrated into the operation.
Deal processing capacity increased substantially without the cost of hiring additional in-house staff.
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