AI Underwriting & Pricing for MCA Funders
Installed once. Underwriting every deal after
Quantum of Solutions installs directly into your email as a plugin — no forwarding, no new address, no portal. When a merchant's bank statements and application land in your inbox, the agent reads them, applies your underwriting policy, and drafts a decision right in the thread — decline with a reason, or an approval priced with amount, term, and frequency — ready for your underwriter to review and send.
Underwriting shouldn't be the bottleneck
1
Manual statement review eats hours
Every deal means scrolling through months of PDFs by hand — tallying deposits, checking for NSFs, cross-checking existing MCA positions.
2
Policy doesn't apply itself consistently
At volume, the same policy gets read slightly differently deal to deal, underwriter to underwriter.
3
New tools mean new habits
Most "AI underwriting" pitches ask your team to learn a new portal or upload flow. This one doesn't — it's already where deals already land.
Set up once. It works from your inbox after that.
1. Install the agent
We add the plugin to your email — no new address or portal to manage.
2. A deal arrives
Bank statements and an application come in the way they always do — nothing changes about how merchants or your team send you deals.
3. AI extracts the numbers
Deposits, negative days, credit score, existing MCA positions, industry, time in business.
4. Your policy runs automatically
Hard-gate declines, stacking checks, scoring, then pricing — applied exactly the way you underwrite today.
5. A decision is drafted right in the thread
Decline with a reason, or an approval priced with amount, term, and frequency — ready for your underwriter to review and send.
One engine. Three ways to get your decision.
Every deal runs on your policy — you choose how much detail comes back, and how much control you want, per deal.
Express — Speed
Terse output only: a decline reason, or an approval with amount, term, and frequency. No explanation, no override. Built for high-volume, low-touch deals where speed matters more than a full writeup.
Explanation — Depth
Everything Express includes, plus the full reasoning: why it declined or approved, the key statement findings, score and tier, how the price was calculated, and any stacking notes. The review-before-you-send tier.
Premium — Control
Everything Explanation includes, plus the ability to bypass a weak decline and keep checking the rest of the policy, request a second pricing pass if the first offer isn't right, and priority handling.