Pre-screening for MCA shops, ISOs, and funders

Your UW analyst,
5× the throughput.

Pre-screens every bank statement deal before it hits your analyst’s queue. Stacking detection. Position-based pricing. Conditional approvals with conditions spelled out — built for funders, ISOs, and brokers.

14-day trial · No card required · Cancel anytime · Pilot side-by-side with your analyst

ezwolf.ai · Deal #4821 · 3 statements · 28s
Pre-screen score
A−
Suggested factor
1.34
Stacking detected
None
Recommended advance
$92,500
Daily revenue avg
$8,420
Existing MCA drain
6.1%
~30s
Avg analysis time
30+ funders
Stacking detection
1 – 5+
Position pricing
0.5h
Hours saved per deal
Built-in underwriting rules

What it actually does

Not a generic GPT wrapper. Industry underwriting rules baked in, deterministic where it should be, AI where it has to be.

AI Funder Placement (only on EzWolf)

After every analysis, see the top 3 funders most likely to fund this deal — with predicted advance, factor, term, daily ACH, and your commission. Built off 18+ funder appetite rules baked in. No other MCA tool does this.

Statement Authenticator

Forgery + tampering detection on every uploaded PDF. Catches whitened NSFs, transplanted pages, multiple account numbers, edit artifacts, and producer-software red flags. Returns an integrity score 0–100 with full forensic audit trail.

Conversation Intelligence

Every transcribed call auto-scored against an MCA-tuned 5-category rubric (rapport, qualification, objection handling, commitment, next step). Surfaces deal-risk alerts, rep coaching focus, and signal extraction — stacking, factor rate, competitor mentions, the lot.

Closed-loop Funder Reply Classifier

Connect your funder-reply mailbox once. Every reply is IMAP-polled, LLM-classified (approval / decline / counter / stip), and threaded back into the originating deal. No more wondering what the funders said — the whole pipeline becomes self-updating.

AI Voice Agent (autonomous outbound)

AI calls your leads, qualifies them, handles objections, and books the rep — fully TCPA + DNC compliant with triple-layer opt-out enforcement and quiet-hours guard. Pluggable Vapi or Bland with BYOK provider keys.

Anti-backdoor PDF Watermarking

Every exported UW report carries an invisible cryptographic watermark tying it to rep + lead + timestamp. If a stolen statement shows up at a competitor, upload it to the leak-checker — we prove the origin with HMAC-signed attribution.

Post-funding servicing built-in

Daily ACH tracking, payment schedules, default detection, recovery actions, portfolio KPIs. The whole servicing layer Centrex charges $9k+/yr setup for — included.

Syndication + capital partner positions

Sell down funded deals to syndicators. Track positions, distributions, IRR/MOIC per investor. Automatic distribution allocation on every incoming payment.

Branded merchant + ISO + syndicator portals

Magic-link portals — no signup, no password. Merchants see their advance and payments. ISOs see their submissions. Syndicators see their positions. All token-authenticated, fully audited.

Cross-shop Merchant Graph (opt-in network)

Anonymous merchant fingerprint graph across consenting shops. See if a merchant has been submitted to other EzWolf customers before, with bucketed outcomes — funded, defaulted, recency. Privacy-preserving. Gets stronger with every shop that joins.

OCR for scanned statements

Native PDFs and scanned/image PDFs both work. Auto-falls back to Vision OCR when extraction needs it — about 60% of real submissions are scans.

Three deal structures

Every approval comes with Aggressive / Balanced / Conservative options. Closer picks based on broker negotiation.

Plain-English merchant view

Built-in summary safe to read to the merchant: what they get, what they pay daily, total cost of capital.

Competitor benchmarking

Predicted Kapitus, Yellowstone, CFG, and Forward Financing terms on every deal — know your competition before the broker quotes one.

Renewal radar

Auto-flags merchants approaching renewal eligibility. Estimates payoff and suggested new advance.

Merchant dedup

Warns when the same merchant was submitted previously by a different broker — same EIN or bank account. Catches ISO double-submission fraud.

Stacking detection

Scans transactions for 50+ known MCA funders (CAN, OnDeck, Parafin, Forward, Yellowstone, CFG, Kapitus...) plus behavioral pattern detection.

Position-based pricing

Estimates merchant position (1 – 5+). Suggests factor (1.18 – 1.79) and term (60 – 540 days) appropriate to position.

% revenue → MCAs

Computes the critical UW metric: existing daily MCA drain as % of avg daily revenue. Auto-conditional or decline above 25%.

Senior lien flags

Detects IRS withdrawals, state tax debits, garnishments, child support — anything with priority over MCA position.

Restricted industries

Flags cannabis, adult, firearms, gambling, money services, crypto, and other categorically declined verticals.

Concentration risk

Surfaces deposit concentration when a single payer is >50% of revenue — common in B2B service businesses.

Conditional approvals

Outputs explicit conditions: UCC search, FICO floor, landlord verification, entity status, additional docs needed.

Counter-offers

If the requested advance is too aggressive, suggests a workable counter at appropriate factor and term.

Broker economics

Includes suggested buy rate and broker commission so your ISO knows their take on every deal.

State compliance

Flags states requiring commercial financing disclosure (CA, NY, VA, UT, GA, MO, FL, CT) and CoJ restrictions.

Audit trail

Every analysis logged with timestamp, user, files analyzed, and full result snapshot. Export anytime for regulators.

PDF export

One-page branded UW report. Drop into your CRM, forward to closer, or send to merchant.

Workflow

How it works

1Step 1

Upload PDFs

3 – 6 months of bank statements. Drag and drop. ACH-only or check-only accounts both work.

2Step 2

Pre-screen

Stacking detection, industry inference, senior lien check, concentration analysis — all in ~30 seconds.

3Step 3

UW recommendation

Position-based pricing. Purchase price, factor rate, term, daily ACH, conditions to fund.

4Step 4

Your analyst decides

They review the structured report and click approve / counter / decline. Decision stays with the human.

ROI calculator

Does the math actually work?

Plug your real numbers in. We’ll show you net value before you sign up.

Your numbers

Run the math on your shop

Adjust the four sliders below. We’ll show you what EzWolf saves and what it earns — and how many funded deals it takes to break even.

180
12%
$8,500
$35/hr
Your result

Professional plan fits your volume.

Based on 180 apps/mo — first tier that covers your cap.

Analyst hours saved / mo90 hrs
Analyst cost saved / mo$3,150
Extra funded deals / mo (3% faster response)+0.6 deals
Extra commission / mo$5,100
EzWolf cost-$3,500
Net value / mo+$4,750
Break-even

1 extra funded deal per month covers the whole plan. Most shops hit that in the first 30 days.

vs.

Where EzWolf sits

The honest head-to-head. We’re not the cheapest. We’re the only one built for MCA end-to-end.

AI Funder Placement (predict best 3 funders + terms)
  • Manual UWBroker's tribal knowledge
  • Heron Data
  • Ocrolus
  • Generic GPT
  • EzWolfBuilt-in
Statement forgery detection (integrity score + findings)
  • Manual UW
  • Heron Data
  • Ocrolus
  • Generic GPT
  • EzWolfBuilt-in
Conversation Intelligence (scorecards + risk alerts)
  • Manual UW
  • Heron Data
  • Ocrolus
  • Generic GPTGong $1.2k/user/yr
  • EzWolfMCA-tuned built-in
Closed-loop lender-reply classifier (auto-thread)
  • Manual UWManual inbox triage
  • Heron Data
  • Ocrolus
  • Generic GPT
  • EzWolfIMAP + LLM
AI voice agent (autonomous outbound)
  • Manual UW
  • Heron Data
  • Ocrolus
  • Generic GPT
  • EzWolfVapi / Bland w/ BYOK
Anti-backdoor PDF watermarking + leak attribution
  • Manual UW
  • Heron Data
  • Ocrolus
  • Generic GPTAquamark (visible only)
  • EzWolfInvisible + HMAC
Post-funding servicing (daily ACH + defaults)
  • Manual UWSpreadsheets
  • Heron Data
  • Ocrolus
  • Generic GPTCentrex / Onyx (custom)
  • EzWolfBuilt-in
Syndication + capital partner positions
  • Manual UW
  • Heron Data
  • Ocrolus
  • Generic GPTLendSaaS / MCA Track
  • EzWolfBuilt-in
Branded merchant + ISO + syndicator portals
  • Manual UW
  • Heron Data
  • Ocrolus
  • Generic GPTCustom builds
  • EzWolfMagic-link, no signup
Cross-shop merchant graph (opt-in, anonymous)
  • Manual UW
  • Heron Data
  • Ocrolus
  • Generic GPT
  • EzWolfNetwork effect
Pre-screen time per deal
  • Manual UW30–60 min
  • Heron Data5 min
  • Ocrolus2–10 min
  • Generic GPTVaries wildly
  • EzWolf~30 sec
MCA-specific stacking detection
  • Manual UWManual scan
  • Heron Data
  • Ocrolus
  • Generic GPT
  • EzWolf50+ funder library
Position-based deal structure (1–5+)
  • Manual UWUnderwriter judgment
  • Heron Data
  • Ocrolus
  • Generic GPT
  • EzWolf
Three structures per deal (agg/bal/cons)
  • Manual UW
  • Heron Data
  • Ocrolus
  • Generic GPT
  • EzWolf
Sales floor + AI call coach
  • Manual UW
  • Heron Data
  • Ocrolus
  • Generic GPT
  • EzWolf
Renewal radar (auto-flag eligible)
  • Manual UWSpreadsheet
  • Heron Data
  • Ocrolus
  • Generic GPT
  • EzWolf
Outbound email + SMS w/ TCPA + DNC
  • Manual UWExternal tool
  • Heron Data
  • Ocrolus
  • Generic GPT
  • EzWolfBuilt-in
Pricing transparency
  • Manual UW—
  • Heron DataCustom quote
  • OcrolusCustom quote
  • Generic GPTVariable
  • EzWolfPublished
Typical monthly cost (3-rep shop)
  • Manual UW$8–15k (analyst FTE)
  • Heron Data$3–8k
  • Ocrolus$5–12k
  • Generic GPT$200–2k
  • EzWolf$1.5–3.5k

Competitor data from publicly available pricing pages and user reviews on G2 / Capterra (May 2026). Heron Data and Ocrolus pricing typically requires a sales conversation; ranges shown are reported averages for 3-rep shops processing ~150 apps/mo. If we’re wrong about a competitor, email us and we’ll fix the table.

What customers say
“We were spending 45 minutes on every pre-screen before EzWolf. Now my UW analyst handles 4× the volume and the senior-lien catches alone have saved us from two stack-from-hell deals this quarter.”
Sarah K.
Director of Underwriting · Mid-tier MCA funder, NY
Throughput lift
4×
Pricing

Scales with deal flow

One funded deal pays for one to three months.

Starter
Solo shops + small ISOs
$1,500/ mo
Included monthly
  • Analyses150
  • Call minutes100
  • Emails2k
  • SMS500

Overage: 50¢ / analysis · 10¢ / min · 50¢ / 1k emails · 10¢ / SMS

  • Stacking detection (50+ funders)
  • OCR for scanned PDFs
  • PDF UW reports
  • Audit log + deal history
  • 3 users
  • Email support
Most popular
Professional
Mid-size funders + ISOs
$3,500/ mo
Included monthly
  • Analyses600
  • Call minutes500
  • Emails10k
  • SMS2.5k

Overage: 40¢ / analysis · 8¢ / min · 30¢ / 1k emails · 8¢ / SMS

  • Three deal structures per analysis
  • Competitor benchmarking
  • Renewal radar + merchant dedup
  • Custom UW rules (industry-specific)
  • API access for CRM
  • 15 users
  • Priority support + onboarding
Enterprise
Large funders + IMOs
$8,500/ mo
Included monthly
  • Analyses2.5k
  • Call minutes2k
  • Emails50k
  • SMS10k

Overage: 30¢ / analysis · 6¢ / min · 20¢ / 1k emails · 6¢ / SMS

  • White-label for your ISO network
  • Plaid / MX direct bank integration
  • BYOK (Anthropic / OpenAI keys)
  • SSO + dedicated DB schema
  • Unlimited users
  • SLA + on-prem option

All plans include a 14-day free trial — no card required. Overage is metered transparently, capped against abuse, and visible on a live dashboard.

Real questions, real answers

What we get asked

Every objection from every demo. No marketing fluff.

Didn’t see your question? Ask directly — real reply, not a chatbot.

The honest pitch

What it does well

Catches stacking, flags senior liens, applies position-based pricing, surfaces compliance issues, exports clean reports.

What it doesn't replace

Your underwriter's judgment on borderline deals. UCC searches. Credit pulls. Plaid verification (Enterprise tier integrates).

Who it's for

Shops doing 200+ applications/month where pre-screening time is the bottleneck. Brokers who need standardized analysis on every submission.

Pilot honestly

Run your last 50 declines through it. See if it catches what your analyst caught. Then decide.

0×
Throughput per analyst
0+ funders
Stacking signatures
0 deals
Free pilot included