FAQ

MCA.AI utilizes the Secure Sockets Layer (SSL) protocol for data encryption to protect sensitive information transmitted online. This standard technology encrypts data exchanged between the company's website and a user's browser, preventing unauthorized access. Additional security measures include a password-controlled system entry to ensure only authorized users can gain access, and a Digital ID for Rapid's server, which authenticates the server’s identity. Furthermore, a router equipped with a firewall is used to regulate network traffic and provide an added layer of protection.

The only way to qualify for our platform is through an invitation from a broker or a recommendation by a funder or investor. We believe investors and underwriters typically categorize clients into 'Yes', 'No', or 'Too complex to assess'. MCA.AI brings clarity to your profile by leveraging AI-driven insights and recommendations based on key indicators.

Our mission is to identify the ideal borrower—helping you access the best and most substantial funding opportunities available in today’s market. We recommend using our platform if you anticipate seeking funding at least four times over the course of the year.

The technology we use is designed for simplicity and impact. Once our AI analyzes your profile, it generates Avatar Summaries—interactive characters that verbally explain your financial profile. This allows investors and funding companies to understand your background within minutes, rather than spending hours reviewing documents.

Our system is also connected to your bank account in real time. It monitors and flags important activity such as negative balance days, low deposits, verified income sources, and questionable transactions—which you’ll be prompted to address.

Additionally, the platform tracks your response times to inquiries, helping us build a behavioral profile. This data is part of a proprietary formula we use to present you as a credible and fundable candidate to future investors or funding companies. Ultimately, our goal is to showcase why you and your business are worth investing in.

While most funding companies and investors may only require bank statements and a basic application, we believe the evaluation process should go deeper. At MCA.AI, our mission is to identify the Ultimate Borrower—someone with strong receivables, financial responsibility, and the drive to grow.

We're not just looking for any client; we're looking for those who are serious about being matched with the right funding partner or investor. Our platform is built to highlight these qualities and connect clients to the most suitable opportunities in today’s market.

Our AI engages your client with in-depth questions about their business and builds a comprehensive profile that’s easy for brokers, funding companies, and private investors to understand—instantly and in real-time.

If a client’s balance falls below a certain threshold or a debit is missed, they’ll receive an immediate notification prompting them to provide an explanation. This level of transparency helps all parties stay informed and makes funding decisions faster, more accurate, and more confident.

Our platform offers powerful tools to enhance transparency, automate data collection, and support better funding decisions. Key features include:

• Automatic month-to-date bank statements
• PDF bank statements as soon as they become available (typically the first of each month)
• Color-coded transactions with smart alerts for easier financial analysis
• Multiple integrated APIs with risk assessment tools such as DataMerch, OpenCorporates, Uncourt, and others

In addition to technology, we educate clients about the legal and financial risks of taking on excessive funding. When appropriate, we also match them with additional investors to expand their funding options.

Our goal is to identify and prepare the ideal borrower for our investors and partners. We are not here to replace the broker—we are here to support and service the account. The file always remains the property of the broker.

Yes, this is absolutely possible. Our platform is currently focused on broker-recommended clients—whether referred by a funding company or directly by the broker—so we can match them with the most suitable funding options available.

If you're a funding company or investor interested in joining our platform, we warmly welcome you. As our platform continues to grow, we anticipate a steady influx of qualified clients actively seeking funding, making it a valuable space for investors and funders to connect with the right borrowers.

We invite funding companies and investors to take advantage of the MCA.AI platform. Our system provides real-time visibility into a borrower’s banking activity, allowing you to assess their financial behavior quickly and accurately.

With color-coded bank statements and smart transaction tagging, your underwriting team can instantly identify key patterns—such as income sources, expenses, and red flags—saving valuable time during the evaluation process.

The platform also generates a concise summary of the borrower’s banking history and prompts the client to respond to events like negative balance days, low deposits, or unusual large transactions. This added transparency helps ensure that you receive context, not just data.

Our goal is to simplify the due diligence process and highlight borrowers who are most likely to be a good fit. We actively recommend qualified borrowers to participating funders and investors based on real-time financial indicators and behavior.

Our platform offers advanced AI features that provide real-time insights and communication tools to enhance your decision-making process. Within seconds, MCA.AI generates a detailed summary of a client’s financial status, allowing you to understand their situation at a glance. You can also ask the AI specific questions about the client—and receive accurate, data-driven answers instantly.

You’ll receive live notifications about client activity, and can communicate directly with both the client and their broker through the platform. This centralized communication improves transparency, speeds up processing, and ensures everyone stays aligned.

We are committed to working only with serious, qualified borrowers. As part of our onboarding process, clients are educated about the legal responsibilities and risks associated with merchant cash advances and business funding. This approach helps reduce defaults and discourages irresponsible borrowing.

Setting up a profile on our platform requires a one-time onboarding fee of $4,600 and a monthly maintenance fee of $65.

However, the $4,600 onboarding fee is waived if you receive at least $4,600 in funding through one of our approved funding partners. In this case, you would only be responsible for the ongoing $65 monthly maintenance fee.

The monthly maintenance fee covers ongoing access to key platform features, including:

• Real-time bank analysis
• AI-generated financial summaries
• Legal and corporate searches
• Access to multiple integrated APIs that support your funding profile

This ensures that your profile remains up-to-date, funder-ready, and optimized for future funding opportunities.

If you sign up and pay the one-time $4,600 onboarding fee directly through us, you are eligible for a full refund within 72 hours of payment. After the 72-hour window, the onboarding fee becomes non-refundable.

If your onboarding fee was waived because you received funding through one of our approved partners, and you choose to cancel, you must return the funding to the lender in full. This requirement is part of our compliance agreement with funding partners and ensures the integrity of the program.

The monthly maintenance fee is non-refundable once the billing cycle begins, but no further charges will be applied after cancellation.

Yes, you have the flexibility to pause or terminate your membership at any time directly through the Client Settings section of your dashboard.

If you choose to pause your membership and it remains inactive for more than 90 days, a $500 reactivation fee will apply to resume access to your profile and platform features.

Please note that while your membership is paused, your access to AI summaries, live banking analysis, legal search tools, and other platform features will be temporarily disabled. Monthly maintenance fees will also be suspended during the paused period.

If you choose to terminate your membership entirely, no further charges will occur after cancellation.

Our mission is to identify the ideal borrowers and make it easier for brokers, funding companies, and investors to understand a client’s profile within minutes—using the most advanced AI and technology available in today’s marketplace.

We are committed to helping clients secure the best possible funding by presenting their financial story clearly, accurately, and in real time. Through our integrated APIs, we empower business owners, brokers, and investors to interact directly with the client’s profile, access instant AI-generated summaries, and make more informed funding decisions—faster and with greater confidence.

At MCA.AI, we do everything possible to package your file in the most compelling and accurate way using advanced technology, AI analysis, and real-time data. Our platform is designed to highlight your strengths as a borrower and present your profile in a way that’s easy for brokers, funding companies, and investors to understand.

However, it’s important to understand that results also depend on your performance, responsiveness, and financial history—factors that are beyond our control. While our tools significantly enhance your profile’s appeal, we cannot guarantee funding outcomes as each funder or investor has their own internal criteria and underwriting guidelines.

If any concerns arise during the review process (such as credit issues or past financial events), our system allows you to provide explanations, helping add important context to your profile.

In short: MCA.AI gives you the best possible positioning—but final decisions are made by the funding partners. Therefore, we cannot guarantee any approvals or funding outcomes.

Responsible borrowing isn't just a pledge—it’s our priority. While the Merchant Cash Advance (MCA) industry continues to grow and evolve, it’s important to borrow responsibly. Taking on excessive or poorly managed funding can lead to serious financial challenges.

If you’re facing difficulties due to irresponsible borrowing or debt addiction, we encourage you to seek support through third-party services like MCAHelp.org or call (833) MCAHELP / (833) 622-4357 for guidance and assistance.