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
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.
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
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.
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
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.
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.
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
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Solutions B2B
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Framework-native
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
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.
Upgrade your loan management system for small businesses and large enterprises in just 3 months.
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