Merchant Cash Advance Software: From ISO Onboarding to Renewals

A single MCA lending platform for every advance.


The timveroOS platform unifies ISO onboarding, cashflow underwriting, offer assembly, funding, daily remittances, reconciliation, and renewals. Factor and retrieval rates run as governed policies, processor and bank files reconcile automatically, and leakage is controlled. You launch fast, scale freely, and keep full ownership of data, code, and integrations.

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Stages

End-to-end MCA Lifecycle Optimized

From ISO onboarding and bank/processor file ingestion to cashflow underwriting, offer assembly, funding, daily remittances, reconciliation, and renewals, while every step is configurable in UI and code. MCA software on timveroOS reduces manual touches, controls leakage, and helps ensure compliance, while making renewals and re-ups faster, cleaner, and more predictable.

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KYB/KYC and UCC checks are automated, while ISO hierarchies, commissions, and contracts are configured once. MID/TID, settlement calendars, and retrieval methods (ACH or split settlement) are attached during onboarding. Merchant and ISO portals, along with APIs for processors and ERPs, enable straight-through setup. Roles, tasks, and audit trails prevent off-process workarounds and support governance.

Bank statements and processor files are ingested automatically to calculate seasonality, volatility, anomalies, and affordability. Eligibility, factor rate, and retrieval rate are enforced as policies-as-code, along with stacking and renewal rules. Fraud, UCC, and synthetic-ID checks are embedded. Decisions are versioned, logged, and fully explainable for committees and auditors, supporting compliance while reducing manual underwriting delays.

Advances are structured with factor rates, retrieval calendars, holdbacks, fees, and reserves. Document packs are generated automatically, routed for e-sign, and linked to ISO and merchant portals. Disbursement flows to bank accounts or split settlements, with reserves and participations published clearly. Finance gains transparent revenue recognition, while merchants receive predictable, faster access to working capital.

Daily and weekly remittances are reconciled automatically against processor and bank files. Exceptions, mismatches, and leakage are flagged with alerts, while adjustments, restructures, and deferrals follow governed flows. Promises-to-pay and pre-delinquency alerts reduce charge-offs. Reserves are managed transparently, renewals are surfaced proactively, and ISO dashboards highlight performance and slippage, keeping channels under control and Opex low.

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Architecture

Participants and Cashflows → Data and Documents → Flows → MCA Products

The timveroOS platform for merchant cash advance models ISOs, merchants, guarantors, processors, and investors, alongside bank and processor data. Documents, reserves, and participations are logged natively. Configurable flows assemble products, such as advances, renewals, and syndications, while reconciliation and underwriting run as governed engines. The result: faster launches, cleaner remittances, and MCA products fully extensible in code and integrations.

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Technology

Why timveroOS for MCA

Bank and processor files are ingested automatically, with seasonality, volatility, and anomalies calculated in real time. Factor and retrieval rates are enforced as policies-as-code. The result: faster, explainable MCA decisions with clear eligibility and affordability rules, without fragile custom plumbing or manual underwriting delays.

Cashflow-first underwriting and pricing

Model ISO hierarchies, commissions, and KPIs natively. Manage participations and syndications with transparent allocations, calendars, and split settlements. ISO and merchant portals surface performance and leakage instantly. Channel governance becomes easier, revenue leakage reduces, and oversight stays audit-ready across complex MCA structures.

ISO and syndication fully under control

Processor and bank files are matched automatically, with exceptions, chargebacks, and holds flagged in real time. Investigation workflows ensure mismatches are resolved quickly, while ACH and split-settlement scenarios are reconciled without manual work. Fewer errors, cleaner remittances, and lower Opex for operations teams.

Reconciliation engine that prevents leakageScalability

AI That Turns Cashflow Data Into Better MCA Outcomes

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AI in timveroOS strengthens MCA where manual checks fail. Models recommend factor and retrieval rates based on merchant cashflow patterns, forecast daily sales and remittance gaps, and flag forged statements or synthetic IDs. Dunning is optimized by channel and timing. All models train in your environment, remain explainable, and plug directly into underwriting and servicing.

Retrieval rate optimization for seasonality and volatility

Daily sales and cashflow forecasts for predictable remittances

Statement forgery and synthetic ID detection to reduce fraud

Dunning cadence optimizer for higher recovery with less churn

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We work with

Who We Deliver
MCA Software To

Banks and Credit Unions

Launch white-label MCA programs for SMBs with retrieval and pricing policies governed as code. Connect timveroOS to core, GL, and AML/KYC systems. Audit-ready reconciliations, explainable underwriting, and ISO onboarding with settlement calendars give banks faster approvals, lower leakage, and clean reporting aligned to finance and risk.

Specialist MCA Providers (NBFIs)

Operate ISO channels and participations with full data control. Assemble complex calendars, split settlements, and commissions natively. Underwriting, servicing, restructures, and renewals all run as configurable flows. APIs and SDKs keep processor and ERP integrations clean, while dashboards provide visibility into performance, leakage, and headroom.

Fintechs and Merchant Platforms

Embed advances directly into merchant portals or checkout flows. Use timveroOS widgets for instant decisions, split settlements, promotions, and revenue recognition. Integrate ERP, CRM, and GL seamlessly. Product teams iterate MCA programs quickly without waiting on a vendor roadmap, while finance and risk get full transparency and compliance support.

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Testimonials

How Lenders Use
timveroOS to Scale MCA

A U.S. bank replaced manual tools with timveroOS MCA software, onboarding ISOs and merchants with clean integrations. Factor and retrieval rates were coded into policies. Result: time-to-yes dropped from days to hours, while renewals increased 25%.

“In 13 weeks, we launched a white-label MCA program. timveroOS fits our policies and ISO model.”

Jonathan
SVP MCA, USA

A UK-based MCA provider deployed the reconciliation engine in timveroOS to auto-match processor and bank files. Chargebacks and leakage were flagged instantly. Result: reconciliation errors fell by nearly half, saving teams 30% of manual effort.

“Cashflow scorecards and the reconciliation engine cut leakage and exceptions. We ship changes without vendor delays.”

Eric
CTO, UK

A Canadian MCA operator used AI retrieval optimization and dunning cadence in timveroOS. Result: delinquency fell, collections improved by 20%, and customer churn stayed low.

“We highly appreciate this MCA decisioning solution. AI-guided retrieval and dunning improved collections while preserving CX. Our data never leaves our environment.”

Marc
COO, Canada

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Framework-native

Build MCA on Your Terms, Not Someone Else’s SaaS

The timveroOS by TIMVERO is not off-the-shelf MCA management software. It is a framework of modules and an SDK to assemble your own MCA stack in your environment. ISOs, merchants, contracts, and remittances are modeled natively. You own the code, the data, and the releases, starting fast, extending freely, and scaling without vendor lock-in.

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Next steps

Get a demo

Run merchant cash advance programs your way with the TIMVERO merchant cash advance software: ISO channels, cashflow underwriting, automated reconciliations, and renewals governed in code. Build in your own environment, extend freely, and scale without vendor lock-in.

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