For funders and lenders
Underwriting software for MCA funders and direct lenders
Easify gives MCA funders and direct lenders one consistent underwriting file for every submission. Each statement is balanced to its printed totals and running balance, revenue excludes funding, transfers and owner injections, and positions are listed by lender. Self-contradicting documents are flagged. Run it in the web app, the Chrome extension or the REST API.
No credit card required · Developers can review the API documentation without an account · Pricing
New submission
Juniper Street Dental PLLC
- March 2026Balanced
- April 2026Duplicate uploadThe same statement submitted twice
- May 2026Not balancedRows total $3,180.00 less than the printed deposits
- June 2026Integrity alertFigures on the statement don't agree with each other
Every broker sends a different mess
One file shape for every submission
Merchant cash advance (MCA) submissions arrive from many brokers in many formats. Easify turns every bank statement into the same underwriting file, so your underwriters review the deal rather than the paperwork. Each statement is balanced to its printed totals and running balance. Files that don't reconcile are flagged, not passed through.
The numbers your credit memo needs
What every analysis returns
- True revenue by month, excluding MCA funding, transfers and owner injections (how it's calculated)
- Existing positions by lender name (stacking detection)
- NSFs, negative days and average daily balance, month by month
- Payment-to-revenue and debt-to-revenue against true revenue
- Fraud signals (below)
- A funder-ready PDF report for the credit file
True revenue by month
| Month | Deposits | True revenue | NSF | Neg. days |
|---|---|---|---|---|
| Aug 2026 | $53,568.44 | $50,243.44 | 0 | 0 |
| Jul 2026 | $50,402.10 | $48,902.10incl. $1,180.00 unverified | 1 | 3 |
| Jun 2026 | $71,775.06 | $45,575.06 | 0 | 0 |
| Monthly average | $58,581.87 | $48,240.20 | 0.3 | 1 |
Before the money moves
Fraud checks before you price
Easify reviews the document as well as the numbers. It flags:
- Documents that contradict themselves: figures on the statement that don't agree with each other
- Duplicate uploads: the same statement submitted more than once
- Suspicious deposit patterns that warrant a closer look
A flag is a reason to look, not an automatic decline. Your underwriter makes the call.
Integrity alert · Example data
1 finding · ••••2290 · June 2026
Rows don’t reach the printed ending balance: the running balance ends at $21,406.12; the statement prints $24,906.12.
See when one more position is too many
Offer and funding calculator
Model the offer on the same screen: amount, factor rate, term, payback and daily payment, set against true revenue and existing positions. That makes it easy to see when one more position is too many.
Offer
Bluebird Bakery LLC
- True revenue (monthly)
- $48,240.20
- Existing MCA payments (monthly)
- $12,520.67
- Funded amount
- $40,000.00
- Factor rate
- 1.35
- Payback
- $54,000.00
- Daily payment · 160 payments
- $337.50
For your developers
Plug it into your stack: API, webhooks, Swagger
- REST API: submit statements and pull sessions and transactions from your own LOS or underwriting tools.
- HMAC-signed webhooks: get results pushed to you when processing finishes, and verify each payload's signature before you trust it.
- Swagger documentation: public at /api/documentation, so your developers can evaluate it before you talk to anyone.
No new screen for your underwriters
Inside the CRM your team already uses
The Easify Chrome extension adds native panels to Salesforce, Zoho, HighLevel and LendSaaS, and has a launcher for other CRMs and portals. Underwriters open a statement and see the analysis next to the deal.
For your compliance team
Security
Files are encrypted in transit and at rest. Details are on the Security page.
Test it on last week's submissions
Start on the free plan
Run your own recent submissions through Easify on the free plan, with 20 analyses a month, and compare the output with your current process. Create a free account or read the API docs.
Working with brokers? Send them to Easify for ISOs and brokers, so submissions arrive already analyzed. New underwriters can start with how to analyze bank statements for an MCA, or see the whole MCA underwriting platform.
FAQ
What does Easify do for MCA funders?
It turns each submitted bank statement into one consistent underwriting file: balanced to the statement, true revenue, positions by lender, daily-balance risk metrics and fraud flags. Underwriters spend their time on the decision instead of re-keying.
Can Easify integrate with our LOS or underwriting system?
Yes. Easify has a REST API and sends results through HMAC-signed webhooks. The Swagger docs are public at /api/documentation.
What fraud checks does Easify run?
It flags statements whose own figures contradict each other, duplicate uploads of the same statement, and suspicious deposit patterns. Flags come with the analysis, so the underwriter sees them before pricing.
What happens when a statement doesn't reconcile?
It's flagged as not reconciling instead of being reported as clean. You decide whether to ask the broker for a better copy or review the gap yourself.
Can our underwriters use Easify inside Salesforce or another CRM?
Yes. The Chrome extension has native panels for Salesforce, Zoho, HighLevel and LendSaaS, plus a launcher for other CRMs.
How can we evaluate Easify?
Start on the free plan, which includes 20 analyses a month, and run recent submissions through it. Developers can review the API documentation without an account.