Merchant Cash
Advance Software

Extend MCA finance on your terms with flexible merchant cash advance automation software powered by AI.

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Merchant Cash Advance Software That Makes a Difference Where It Matters

MCA financing decisions and offer terms calculated instantly by industry-leading AI.
Eliminate unnecessary paperwork and reduce operational cost of offering MCAs.
Unify all merchant cash advance management tasks in one software.
Put contributions’ collection on complete autopilot leaving no room for human error.

End-to-End Automation Built with the Needs of an MCA in Mind

67% customer lifetime value increase thanks to repeated business growth

280%+ operational efficiency boost ensured by streamlined automation

Instant financing decisioning and remittance collections powered by AI

Enterprise-Grade MCA Technology at the Turn of a Key

Configurable MCA Finance Application Flow

Financing application flow is based on MCA use cases and suits the key verticals of the merchant cash advance industry, whether with gig-workers or large merchants. The applicant describes their business, income structure, and any other relevant details required for making an informed decision on the business performance in the future. This information is then used to determine the advance amount and the profits' percentage to be charged on a daily/weekly/monthly basis.

MCA Scoring Based on Bank Statements and Traditional Factors

The built-in Merchant Cash Advance Decision Engine utilizes proprietary machine learning algorithms and deep neural networks to process vast amounts of real-time and historic bank statement data as well as other scoring inputs. Big data and AI under the hood of TurnKey Lender ensure for unmatched speed and accuracy in risk evaluation and finance decisioning.

Flexible Factor Rate and Contributions’ Collection Management

Streamline revenue generation through establishing an optimal factor rate automatically or manually in a matter of clicks. The MCA edition of TurnKey Lender includes industry-specific advance calculations that allow for fully automated collection of contributions at scale directly into your company’s account. The payment scheduling calendar lets you charge contributions just on business days or postpone payments if a customer needs it – everything you need to build better relations with your clients.

Extend Multiple Advance Offers to Clients

Use the intel from the data collected and processed by our software to extend multiple offers and provide potential clients options when it comes to the factor rates, remittance, and payment schedules. The client will see them in a white-labeled personal portal where all their business with you will be conducted.

Pre-Configured Integrations for a Unified Merchant Cash Advance Process

The software you get is pre-configured for integrations with payment providers, bank account verification, SMS/email, and accounting services, CRMs, and credit bureaus. In addition, TurnKey Lender has a Dwolla Contributions integration and an extended bank statement scoring services integration for business performance analysis.

Deep No-code Configuration of a Cloud-Based Software

The solution allows for deep customization without the need to edit the source code of the system. TurnKey Lender puts complex MCA processes into flexible and intuitive interfaces. The cloud-based platform allows for both your clients and employees to seamlessly switch between devices and environments without skipping a bit.

Robust API-Readiness to Integrate with Your Current Infrastructure

A powerful API client allows you to integrate your TurnKey Lender instance into your business infrastructure as well as connect any required third-party data providers and products to your software in a meaningful way.

Merchant Cash Advance Software for Fully Digital & Automated Financing

Offer MCA financing with bank-grade credit decision accuracy and award-winning usability. Reach out to the TurnKey Lender team to discuss the merchant cash advance model that will work for your business today.

Reach out to the TurnKey Lender team to discuss the merchant cash advance model and how it will work for your business.

Schedule a demo

Models

Provide your clients with affordable and easily accessible funds from your own software that automates the process end-to-end using AI.
Provide businesses with an upfront sum of cash for a percentage of their future sales + fees.

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Example: $10,000 MCA product with a 1.4 factoring rate (total repayment = $14,000)

Scenario A

Borrower repays 10% of CC sales daily or weekly for 3-12 months until $14,000 is repaid. Our solution can be tightly integrated with Plaid or any e-commerce platform. This then provides a benefit in terms of data insights your TurnKey Lender AI will be able to analyze. In addition, instead of merchants manually uploading invoices, which can be slow and open to fraud, we can monitor their transaction activity, automatically calculate and execute repayments.

Scenario B

Borrower repays equal withdrawals daily or weekly based on estimated revenue.
This scenario is easier to implement, since you’re charging a fixed amount based on estimated revenue and don’t have to monitor transactions.

Reach out to the TurnKey Lender team to discuss the merchant cash advance model and how it will work for your business.

Schedule a demo

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LEARN MORE ABOUT THE SUCCESS STORIES FROM CUSTOMERS

Read about the digital lending journey of other business owners.

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Why TurnKey Lender For Your Business?

Benefits brought
by TurnKey Lender

Invoice Financing

Full Automation

End-to-End Solution

MCA Payment Processing Integration

Fully Customization of MCA Portal

AI-powered MCA Decisioning

Featured Customers

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Software Advice

G2 Crowd

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We looked at other lending solutions. But TurnKey Lender was just more accessible and...well, ‘turn key.’ Now we're on a level playing field with the bigger guys without the overhead. This, and intelligent credit scoring, helps us provide our borrowers with affordable loans while working at a profit.

Thanks to TurnKey Lender’s automation, we are by far the most convenient solution on our market. Our product is homogenous and every customer says that it's the easiest lending process they’ve had.

TurnKey Lender team was able to provide Zilingo with an end-to-end lending solution that helps us automate origination, approval, servicing, repayment and more. Thanks to its cloud-based nature, our employees and clients around the globe can access the system at any time. In TurnKey Lender we’ve found a reliable partner. We know that whenever there’s a challenge, we can work out the optimal solution together.

We did a lot of research looking for a lending automation platform. We needed a true cloud solution that could be accessed and used by multiple users from different places. TurnKey Lender had the functionality that we needed while being cost-effective.

We base our credit decisions on your ability to pay rather than looking just at your credit score. TurnKey Lender was able to accommodate their solution to our requirements and together we keep on improving the product we offer. The solution is very flexible and the team always tries their best to help us. Work with TurnKey Lender is a win-win for us. Because we have a really good product and the team gets our feedback to better adapt to the needs of our vertical in the process.