Merchant Cash Advance Software for Funders, Banks, and Fintechs
One Merchant Cash Advance Platform From Underwriting to Daily Remittance
timveroOS is MCA software for merchant cash advance funders, banks, and merchant platforms: an API-first, self-hosted MCA platform for ISO intake, cashflow underwriting, factor-rate pricing, daily or weekly remittance, split settlement, and renewals. Replace legacy MCA tech and go from contract to first funded advance in 3 weeks.
- $5.5B+ Loan Portfolios Managed
- 13+ Countries Served Globally
- 5.0 ★ Verified Client Rating
- 3 wks Contract to First Advance
Test MCA Offers
Size offers from your merchant sales data and run holdback collections in a pilot, measured on KPIs you choose upfront.
Apply for timveroProofNo commitment if your metrics aren’t met.
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, 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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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.
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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.
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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.
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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.
Tune Merchant Offers Without Waiting on Engineering
Payment companies know their merchants better than any partner does. With timveroAI Studio, your capital team describes a new offer rule, holdback condition or eligibility check in plain language and reviews the build in the same session. Your engineers keep the gate, and only approved logic prices an advance, with a full audit trail behind it.
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Your Data, Your Offer Rules
Write offer logic around your own settlement data instead of a partner’s fixed scorecard.
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Iterate in One Session
See the draft, say what you meant, and get it corrected before anyone files a ticket.
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Engineers Keep the Gate
Every offer rule arrives as a reviewable pull request. Your engineers approve it before it touches a merchant.
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Every Offer Explainable
Each advance traces back to the approved rule version that priced it, ready for funders and auditors.
- 80% Pre-Built Lending Core
- ~7.8x Faster Delivery vs In-House
- 3 wks Signing to Product Launch
- 0–1 In-House Tech FTEs Needed
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
Who We Deliver MCA Software To
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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.
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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.
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Fintechs and Merchant Platforms
Embed advances directly into merchant portals or checkout flows. Use timveroOS APIs 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.
Real Lenders.
Real Results.
- 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.
Read Now - 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.
Read Now - 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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Solutions for Any Lending Type
Choosing an MCA Platform: SaaS, Custom Build, or timveroOS?
SaaS MCA systems launch quickly but lock factor-rate logic, ISO commissions, and remittance rules into a vendor roadmap. Custom builds give full control but take 24 months of engineering. timveroOS delivers a production-ready MCA platform in your own environment, with pricing, holdback, and renewal policies as code.
SaaS Solutions
Pros
- Fast initial go-live
- Lower upfront cost
- Prebuilt workflows
Cons
- Limited policy/UX flexibility
- Vendor roadmap & data custody constraints
- Volume/per-seat fees escalate TCO
timveroOS
Features
- Modules + SDK in your environment
- Policies: factor rates, holdbacks, stacking & renewals
- Open APIs to processors, banks & GL
- Immutable log: explainable changes & reversals
- Predictable TCO (no per-seat traps)
Custom Development
Pros
- Full control of code and UX
- Tailored integrations & data model
- No vendor lock-in
Cons
- 24-month in-house delivery risk
- High build & maintenance cost
- Talent/knowledge concentration risk
SaaS Solutions
Pros
- Fast initial go-live
- Lower upfront cost
- Prebuilt workflows
Cons
- Limited policy/UX flexibility
- Vendor roadmap & data custody constraints
- Volume/per-seat fees escalate TCO
timveroOS
Features
- Modules + SDK in your environment
- Policies: factor rates, holdbacks, stacking & renewals
- Open APIs to processors, banks & GL
- Immutable log: explainable changes & reversals
- Predictable TCO (no per-seat traps)
Custom Development
Pros
- Full control of code and UX
- Tailored integrations & data model
- No vendor lock-in
Cons
- 24-month in-house delivery risk
- High build & maintenance cost
- Talent/knowledge concentration risk
Frequently Asked Questions About MCA Software
Talk to Sales-
What is merchant cash advance software?
Merchant cash advance (MCA) software runs the full advance lifecycle for funders: merchant and ISO intake, underwriting on bank-statement and processor data, offer pricing with factor rates and holdbacks, contracts and funding, daily or weekly remittance collection, reconciliation, and renewals. timveroOS delivers it as an MCA platform you own: every step is a configurable building block, deployed in your environment and extendable in code.
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How is MCA software different from loan management software?
An MCA is typically structured as a purchase of future receivables, not a loan, so the system works with factor rates, purchased and payback amounts, and a holdback percentage of sales instead of APR and amortization schedules. Remittances move with merchant revenue, so reconciliation against processor and bank files matters more than a fixed repayment calendar. timveroOS runs both models on one platform; for term loans, see our loan management software.
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Does it support daily ACH remittance and split settlement?
Yes. Each advance can collect through fixed daily or weekly ACH debits or through a split of card settlements via the processor. Remittance calendars, holdback percentages, and reserves are configured per product, and every remittance is matched against processor and bank files, with exceptions, chargebacks, and holds flagged automatically.
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Can it manage ISO channels and MCA syndication?
Yes. ISO and broker hierarchies, commission plans, and performance KPIs are modeled natively, with APIs for the ISO submission and status flows your team builds. Syndications and participations are tracked per advance, with allocations and remittance splits calculated automatically and reported to each participant.
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How does merchant cash advance underwriting work in timveroOS?
Bank statements and processor files are ingested automatically to measure revenue, seasonality, volatility, and existing positions. Eligibility, factor rate, holdback, and stacking rules run as policies-as-code alongside KYB, UCC, and fraud checks. Each decision is versioned and explainable, so underwriters review exceptions instead of every file.
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How long does it take to launch an MCA platform on timveroOS?
Typically 3 weeks from contract to the first funded advance on the pre-built lending core. Renewals, new ISO programs, and additional advance products are then configured on the same platform.
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Can we self-host the MCA platform or run it in our own cloud?
Yes. timveroOS deploys on AWS, Azure, private cloud, or bare metal as a dedicated instance, never multi-tenant. Merchant data, bank statements, and decision logs stay in your environment, and your engineers get full code access through the SDK.
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How do you choose the best merchant cash advance software?
Compare MCA software on five points: native support for factor-rate pricing and variable remittance, how it ingests bank and processor data for underwriting, whether ISO commissions and syndication are built in, where your data is hosted, and how fast your team can change pricing and eligibility rules without a vendor ticket. timveroOS covers all five on one platform you own.
Get a Demo
Run merchant cash advance programs your way: ISO channels, cashflow underwriting, automated reconciliation, and renewals governed in code. Build in your own environment, extend freely, and scale without vendor lock-in.