MCA Loan

Overview

The MCA Loan Workflow Template is a preconfigured, end-to-end automation designed for Merchant Cash Advance loan processing. It automatically classifies incoming documents, extracts key data, runs financial analysis, applies validations, and exports structured outputs—removing the need to build workflows from scratch.

This template is ideal for lenders and fintech teams processing MCA applications that include multiple document types such as bank statements, loan applications, debt schedules, and SOS documents.

What’s included in the template

When you select the MCA Loan template, the following blocks are automatically added and configured:

Document Classification

Incoming files are classified into:

Bank Statements
Loan Application
Debt Payment Schedule
Secretary of State (SOS) Documents
Unclassified

Each document type is routed to its respective extractor.

Data Extraction

Dedicated extractors pull structured data from:

Bank Statements
Loan Applications
Debt Payment Schedules
SOS Documents

All extracted outputs are merged into a unified dataset for downstream processing.

Bank Statement Analysis

The template runs automated financial analysis and categorization across multiple risk dimensions:

Category 1: Identity & Entity Verification
Category 2: Bank Statement Integrity
Category 3: Revenue & Cash Flow Analysis
Category 4: Debt & Stacking Detection
Category 5: Compliance & Underwriting
Red Flag Automations

These categories help identify inconsistencies, financial risks, and compliance issues early in the workflow.

Case Updates

Key derived values are written back to the case using Case Update Block, including:

Case name updates
Aggregated financial metrics
Analysis results

This ensures the case reflects the latest processed data automatically.

Validation

Built-in validations verify:

Required fields across documents
Financial consistency checks
Cross-document logic

Validation results appear in the Case Overview → Validation tab for quick review.

Export

The final structured output is generated using Export Block, allowing you to:

Combine data from all documents
Preview the export format
Download export-ready files for downstream systems

Typical Use Case

Automated MCA loan underwriting

Upload a borrower’s MCA application bundle and let the workflow:

Classify incoming documents
Extract structured data from each document type
Run financial and compliance analysis
Detect red flags and debt stacking
Validate extracted and derived fields
Export clean, consolidated results

This enables faster underwriting decisions with minimal manual intervention.

Getting Started

Navigate to Workflow → Templates.
Select MCA Loan Workflow Template.
Review the preconfigured blocks.
Customize prompts, validations, or exports if needed.
Activate the workflow and start processing cases.

Go live in minutes with a fully configured MCA workflow—no need to manually set up classifiers, extractors, analysis blocks, or exports.

Need Help?

If you face any issues or have feedback, reach out to our support team at [email protected] or use the in-app chat.