Use case
OverviewRenewal underwriting
Renewal underwriting with Vyaso compares the current statement period to the original funding decision, surfacing pattern shifts that suggest a renewal should be sized differently — or declined.
For: MCA funders renewing existing merchants
Key takeaways
- Re-run the same analysis on a fresh statement.
- Compare adjusted revenue period-over-period.
- Detect new lender deposits indicating stacking after funding.
- Flag behavioral shifts in counterparty patterns.
- Output: a renewal decision file that pairs the original analysis with the new one.
Why renewals deserve a fresh underwriting
Renewal decisions are often made on inertia: the merchant paid the first advance on time, so the second is approved with light review. The problem: a meaningful share of merchants stack additional advances after the first funding, and the renewal underwriting is the last chance to catch it before doubling exposure.
Vyaso re-runs the full nine-layer analysis on the most recent statements. New lender deposits, new counterparty patterns, and shifts in adjusted revenue all surface.
How it works in practice
The renewal analyst pulls the current statements, uploads them to Vyaso, and compares the new analysis to the original. Adjusted revenue should be stable or improving; flagged patterns should be flat or declining; new lender deposits are the headline signal to investigate.
Frequently asked
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