MCA Underwriting Services

MCA Underwriting Services for Direct Lenders & ISOs

Target Underwriting Solutions offers complete MCA Underwriting Services designed for direct lenders, ISOs, fintech companies, and funding partners across the United States and Canada. We deliver highly accurate underwriting decisions, detailed risk assessments, and underwriting-ready reports — helping lenders approve more deals with confidence.

Our MCA Underwriting Capabilities

Full File Underwriting

From initial review to final decisioning — we analyze every piece of the file with precision.

Cash Flow & Affordability Analysis

We evaluate monthly cash flow, inflow consistency, seasonality, volatility, and affordability ratio.

Bank Statement Scrubbing

Scrubbing includes NSF detection, stacking identification, missing deposits, and suspicious activity review.

Risk Scoring

Precise risk indicators and weighted scoring help lenders approve more files safely.

Final Recommendation Report

We provide a funding-ready recommendation with rationale for approval, decline, or counter-offer.

Fraud & High-Risk Indicators

We identify account manipulation, fake deposits, forged statements, and other high-risk red flags.

What Makes Our MCA Underwriting Different

  • 100% manual + AI-assisted accuracy checks
  • Follows lender’s credit policy and approval logic
  • Underwriting-ready files delivered same-day
  • Confidential, secure, and compliant processes
  • Available 24/7 to handle high-volume pipelines

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We provide professional underwriting solutions for financial firms

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