MCA Stacking Detection Software
Detect recurring merchant cash advance payments and potential stacking patterns directly from business bank statements.
Important signals should not stay buried
Merchants do not always disclose every advance. Daily and weekly ACH debits can hide among operating expenses, leaving lenders and brokers exposed to payment burden and stacking risk.
How the analysis works
Upload
Add one or more bank statement PDFs.
Extract
Normalize every deposit, debit, balance, and transaction description.
Detect
Apply feature-specific analysis and connect flags to source evidence.
Review
Use the summary and supporting transactions in your decision workflow.
What StatementScrub checks
✓ Recurring debit grouping
Group similar ACH debits by descriptor, cadence, and amount.
✓ Likely funder recognition
Highlight transaction descriptions consistent with MCA repayments.
✓ Position overview
Summarize possible positions and estimated payment frequency.
✓ Source evidence
Connect each flag to the transactions that produced it.
Clear finding. Traceable evidence.
Illustrative result shown for demonstration; every live report reflects the uploaded statements.
HIGH RISK
Three overlapping funder-like debit patterns detected; verify payoff status before proceeding.
Flexible from the first report
Start with 3 free analyses. Use report packs for variable deal flow or volume pricing for underwriting teams.
View pricing →Frequently asked questions
Can it identify every MCA funder?
Detection uses transaction descriptions, cadence, amounts, and recurring patterns. Ambiguous items are flagged for human verification.
How quickly are results available?
Most statement analyses complete in under 30 seconds.
Does this replace an underwriter?
No. StatementScrub organizes evidence and flags risk; your team retains final decision authority.
Can I try it before choosing a plan?
Yes. New accounts include 3 free analyses and require no credit card.
See the signal before making the decision.
Start with 3 free analyses. No credit card required.