Zeneth UW Suite is AI-powered MCA underwriting software built for brokers, ISO shops, and funding teams. Upload up to 12 months of bank statements, get revenue, NSFs, negative days, stacking risk, factor rate guidance, and a match against 30+ lenders. Sign up in one minute, get 5 free analyses, and run your first deal without a demo.
Most MCA brokers still underwrite deals the way people did a decade ago: download bank statements, open Excel, manually tag deposits, count NSFs with a highlighter, eyeball stacking patterns, guess a factor rate, and email three or four lenders hoping one bites. A single deal eats one to three hours of broker time. The worst part is that after all that work, the deal often gets declined for a signal the broker missed.
MCA underwriting software fixes this. Instead of manual review, AI reads every line of every statement in seconds. It surfaces the numbers that matter, flags the patterns humans miss, and matches the deal to the lenders most likely to approve it. The time savings are obvious. The decline-rate savings are even bigger, because automated underwriting catches stacking, synthetic cash flow, and negative-day patterns that a human skimming a PDF simply will not notice.
Zeneth UW Suite is the tool brokers reach for when they want to close more deals with less work.
Every analysis produces a complete underwriting report. Not just raw numbers, but the interpreted data points a broker needs to decide whether the deal is worth submitting and which lenders to submit it to.
Average monthly revenue, deposit count, biggest deposits, revenue trend month-over-month. Sorted and totaled so you can see cash flow at a glance.
Every NSF charge tagged, every negative balance day counted. These two numbers alone decide most MCA deals. Now they take one second to compute.
AI identifies recurring daily or weekly withdrawals matching MCA, term loan, RBF, and factoring repayment patterns. Catches hidden stacks manual review misses.
Based on revenue quality, stacking, NSFs, and industry, the system gives you a guidance factor rate range so you can set expectations with merchants before submission.
Deal automatically scored against 30+ built-in lenders plus any custom lenders you have configured. Ranked by fit so you submit to the right shops first.
White-label PDF report branded with your agency. Send it to merchants to explain the verdict or to your in-house underwriting team for review.
Most MCA underwriting platforms are built for large funders, require signed contracts, and take weeks to onboard. Zeneth UW Suite is built for the individual broker and the small ISO shop. Here is how the differences play out in practice.
| Feature | Zeneth UW Suite | Typical Alternatives |
|---|---|---|
| Time per analysis | 60 seconds | 3 to 10 minutes |
| Pricing model | $1 per month analyzed, pay as you go | Enterprise contracts, $500 to $5000/mo |
| Free trial | 5 free analyses on signup | Demo required |
| Data retention | Zero — statements never stored | Statements retained indefinitely |
| Plaid bank connect | Yes, bring-your-own-credentials | Limited or markup on Plaid fees |
| Soft pull credit check | Built in, no FICO impact | Separate service required |
| Custom lender config | Single form or CSV bulk | Professional services required |
| Team accounts | Shared credit pools, role management | Available at enterprise tier |
| Setup time | Under 2 minutes | 2 to 6 weeks |
Sign up in 60 seconds. Get 5 free analyses. No credit card required.
Start Free Now →Big MCA platforms are built around enterprise funders with in-house dev teams and six-figure software budgets. They sell to you under the assumption you will dedicate a week to onboarding, integrate with Salesforce, and train a team of five. That is not how the average broker or small ISO operates.
Zeneth UW Suite is built from the opposite direction. It assumes you are a broker or small-team ISO who needs to run an analysis right now, not six weeks from now. You open the dashboard, drag a PDF, and get the answer. If you want team accounts with shared credit pools, that is one upgrade click away. If you want Plaid integration, you connect your own Plaid account in two minutes. If you want to add your preferred lenders, you either paste them one by one or upload a CSV.
Every bank statement you upload is processed in real-time memory and never written to disk or database. Only the structured analysis results (revenue numbers, verdict, score) are retained in your history. This is called zero data retention and it is an absolute policy, not a marketing claim. Your merchants trust you with their financials. Zeneth extends that trust by refusing to store the underlying data.
All traffic is TLS 1.3 encrypted. Database storage uses Supabase with row-level security so your deal history is only visible to your account. Credit data from soft pulls is handled per FCRA requirements. Full privacy details are at zeneth-uw.com/privacy.html.
Different brokers work different ways. Some get PDFs emailed to them. Others want to skip the upload step entirely. Zeneth UW Suite supports three input methods that cover every scenario.
The default flow. You get bank statements from your merchant, drag them into the Zeneth dashboard, and analysis runs. Supports PDFs from every major US bank. Upload up to 12 months at once.
Skip the PDF entirely. You connect your own Plaid account in broker settings, then generate a unique link and send it to your merchant. Your merchant clicks the link, selects their bank, and authenticates in under 60 seconds. You get 12 months of real transaction data back immediately. This is faster than waiting for statements and more accurate since it pulls live data, not edited PDFs. Learn more about Plaid for MCA brokers.
For pre-qualification, you can also run a soft pull credit check on the applicant. This returns the credit band, open tradelines summary, and public record flags (bankruptcies, tax liens, judgments) without affecting the merchant's FICO. Use it alongside bank data to filter leads before you invest broker time in them.
Most MCA underwriting software charges monthly minimums regardless of deal volume. That model punishes slow months and rewards heavy users the wrong way. Zeneth is pay-per-use with no subscriptions.
| Package | Credits | Price | Per Month Analyzed |
|---|---|---|---|
| Free | 5 | $0 | Free (on signup) |
| Starter | 10 | $10 | $1.00 |
| Growth | 30 | $25 | $0.83 |
| Pro | 65 | $50 | $0.77 |
| Business | 110 | $100 | $0.91 |
| Team | 300 | $250 | $0.83 |
One credit equals one month of bank statements analyzed. A typical 6-month MCA deal costs 6 credits, or roughly $5 to $6 of analysis. Credits never expire. If you go a month without running deals, you pay nothing.
MCA underwriting software automates the analysis of merchant cash advance applications. It parses bank statements, calculates revenue, identifies stacking with other MCAs, flags NSFs and negative days, estimates factor rate, and matches the deal to appropriate lenders. The goal is to turn hours of manual spreadsheet work into seconds of automated analysis.
Zeneth UW Suite is the fastest at 60 seconds per analysis and the only platform with true zero data retention. Pricing is pay-per-use at $1 per month analyzed, versus the enterprise contracts and demos required by most competitors. You can sign up, get 5 free credits, and run your first deal in under 2 minutes with no sales call.
Yes. The AI reads every transaction in the bank statements and flags recurring payments that match the pattern of MCA advances, business term loans, or revenue-based financing. It also catches the scenario where a merchant recently had an advance deposited that is not yet showing payments, which is a key stacking signal most manual reviews miss.
Each analysis returns average monthly revenue, deposits count, ending balance, lowest balance, NSF count, negative day count, average daily balance, recurring obligations list, stacking risk score, factor rate guidance, qualification verdict (approved, conditional, declined), estimated advance amount, and the top matching lenders from the 30+ in the platform.
New users get 5 free credits. After that: $10 for 10 credits, $25 for 30 credits, $50 for 65 credits, $100 for 110 credits, $250 for 300 credits. One credit equals one month of bank statements analyzed. Credits never expire. No subscriptions, no hidden fees.
Yes. Beyond the 30+ lenders that ship with the platform, you can add your own lenders individually through a form or upload a CSV with up to several hundred at once. Your custom lenders score alongside the built-in lenders in every analysis.
If you want shared credit pools and team management, sign up as a Company account. The admin buys credits into a pool and invites reps by email. Reps see only their own deal activity and balance. The admin sees everyone's. Individual accounts are for solo brokers who do not need team features.
5 free credits. No card required. No demo. No contract.
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