For MCA funders
Re-underwrite every file in 90 seconds.
Every file gets the same 90-second re-underwrite. Clean files clear in seconds instead of an hour. The risky ones surface before funds wire — with the loan-stacking, kiting, and inflation evidence ranked and ready for committee.
Key takeaways
- Cut underwriting time per clean file from 60–90 minutes to about 90 seconds. Industry estimate¹ ✓ verified
- Surface loan stacking, account kiting, and revenue inflation before funds wire, not in collections.
- Receive an executive summary that pastes directly into the credit memo.
- Defend every decision: every flag is reproducible, every adjustment is exportable.
- Industry-tuned out of the box for restaurants, construction, healthcare, transportation, and the rest.
The underwriting floor, before and after.
Today
Manual cross-check on every file.
- 1. Junior analyst opens a 12-page PDF.
- 2. Eyeballs deposit concentration, scans for stacking, flags suspicious counterparties manually.
- 3. Asks the merchant for clarification. Waits 24 hours.
- 4. Decides under time pressure, with incomplete coverage.
Average ~60–90 minutes per file. Industry estimate¹
With Vyaso
Re-underwriting in the time a coffee takes.
- 1. Upload the PDFs. Optional: drop in the company domain.
- 2. Vyaso runs nine detection layers and an agentic synthesis step.
- 3. Receive risk score, adjusted revenue, ranked flags, and an executive summary.
- 4. Underwriter spends time on flagged items, not on parsing.
Average ~90 seconds per file. ✓ verified
What you receive, per file.
Risk score and tier
A 0–100 score mapped to Low / Medium / High / Critical with a one-paragraph executive narrative.
Adjusted revenue
The confidence-weighted revenue figure your committee can defend, with every subtraction named and reproducible.
Ranked detection flags
Every flag from every layer, ordered by severity. Click into one to see the implicated transactions.
Counterparty network graph
A visual map of every counterparty relationship and the cycles among them.
Revenue waterfall
Step-by-step from gross deposits to adjusted revenue. Every arrow named.
Executive summary
A short, plain-English narrative paste-ready to the credit memo.
CSV / JSON export
Every parsed transaction with annotations, ready for your data warehouse or a one-off audit.
ROI
What 90-second underwriting saves you.
≈ $13,000 saved per month at default values.
≈ $156,000 per year.
Time-saved estimate is industry-typical analyst review time per file. Per-file Vyaso runtime is included in the output. Industry estimate¹
The committee conversation, sharper.
Walk into Tuesday's committee with the ACME file. The $48,000 deposit is no longer the question. The counterparty graph, the flow direction, and the timing pattern are. The conversation moves from intuition to evidence, and the file you decide against this quarter is one you can defend in collections next year.
When a deal goes bad.
Reproducible
Two underwriters running the same statement land on the same answer. Every flag has a confidence score and a layer attribution.
Exportable
Pull the analysis as CSV or JSON. Counsel can audit the record long after the funding decision.
Versioned
Every analysis is stored. Re-run the same file under a newer detector version to see what changed.
Industry-tuned for your portfolio.
Vyaso tunes detection per industry from the company domain when one is provided. Restaurants, healthcare, construction, transportation, and five other segments are supported today. See how detection adapts on the platform page.
Funder questions.
Run Vyaso on your portfolio.
Free 30-day pilot. Bring 50–100 files. We'll show you what the model would have flagged, what would have been approved, and how the adjusted revenue compares.
No commitment. No setup fee.