Use case
Full guideMCA underwriting
MCA underwriting with Vyaso re-underwrites every applicant in 90 seconds, surfacing loan stacking, account kiting, and revenue inflation before the funds wire, and producing a defensible adjusted-revenue figure your committee can stand behind.
For: MCA funders, credit officers, underwriting committees
Key takeaways
- Replace the manual cross-check on the 60% of files that are clean. [Industry estimate]
- Surface the 40% that aren't, before funding.
- Defend every decision in committee with a reproducible adjusted-revenue figure.
- Industry-tuned out of the box across nine SMB segments.
- Output: risk score, adjusted revenue, ranked flags, executive summary.
Where Vyaso fits in the underwriting workflow
A typical MCA underwriting flow runs application intake, bank-statement review, identity and KYC, credit pull, and committee. Vyaso operates inside the bank-statement review step — the part that historically consumes the largest block of analyst time and produces the most consequential decisions.
For files using a parser like Ocrolus, Heron Data, or Validis, Vyaso runs on top of the parsed output. For files uploaded raw, Vyaso parses, normalizes, and re-underwrites in one pass. Either way, the analyst receives the same output: risk score, adjusted revenue, ranked flags, executive summary.
How it works in practice
Step 1. Upload. The analyst drops the bank statements (PDF or CSV). Optional: provide the company domain for automatic industry classification.
Step 2. Analyze. Vyaso parses, normalizes, and runs the nine detection layers and the agentic synthesis step. Median end-to-end time: about 90 seconds.
Step 3. Review. The analyst opens the dashboard. Executive summary up top, adjusted revenue and waterfall below, ranked flags below that. Drill into any flag for the underlying transactions.
Step 4. Decide. The analyst writes the credit memo paragraph using the executive summary as a starting point. The committee meets and the file is decisioned with the Vyaso output as the underwriting record.
What changes about the committee meeting
Committee discussion shifts from intuition ("this file feels off") to evidence ("Vyaso flagged three lender deposits in the prior 60 days; here are the counterparties and the timing"). Junior analysts contribute more productively because they walk into the room with the same evidence the seniors have.
The credit memo paragraph paste-ready in the analysis reduces meeting prep time and makes the underwriting decision auditable later.
Defensibility in collections
When a deal goes bad and the funder needs to defend the original underwriting decision, the Vyaso analysis is reproducible: every flag has a confidence and a layer attribution, every adjustment is named, the executive summary captures the analyst's mental model at decision time. Counsel reviewing the file later sees the same evidence the underwriter saw.