Faster ISO and Merchant Onboarding With Clean Integrations

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.
Cashflow Underwriting That Adapts to Your Policies

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.
Offers, Contracts, and Funding Without Friction

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.
Servicing, Reconciliation, and Collections Made Simple

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.

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.

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.
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 Leakage

AI That Turns Cashflow Data Into Better MCA Outcomes

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

AI That Turns Cashflow Data Into Better MCA Outcomes

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.

80% ready-to-use lending infrastructure supplied

Finom

timveroOS partners with a fast-growing European fintech to launch a multi-country proactive credit product for SMEs delivering full automation, regulatory compliance, and rapid market rollout at a fraction of the cost and time of traditional banking systems.
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90% cost reduction compare to the previous solution

Cartiga

timveroOS enables a US-based litigation finance company to launch complex working capital products for law firms while achieving full automation, faster time to market, and significantly lowering costs compared to their previous enterprise platform.
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100% bespoke origination requirements coverage

AMIO Bank

timveroOS enabled a leading Armenian bank to transform a complex lending concept with guarantor support into a fully automated, production-ready solution. The platform ensured full compliance and rapid deployment - bringing the new product to market in just six months.
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