Merchant cash advance software
for funding providers
Built for direct funders, ISOs, and brokers writing merchant cash advances. Originate, fund, and
reconcile advances against daily card and bank revenue across the full funding lifecycle on one
platform.
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Purpose-built merchant cash advance software
for the full MCA lifecycle
Frictionless onboarding
Onboard merchants quickly with a lightweight digital application that connects directly to
payment processing and accounting data.
Automated revenue analysis, identity verification, and document capture reduce manual intake to a minimum — getting merchants through the funnel faster.
Automated revenue analysis, identity verification, and document capture reduce manual intake to a minimum — getting merchants through the funnel faster.
Revenue-based origination
Assess advance eligibility and size based on real-time merchant revenue data, transaction
history, and AI-driven risk scoring.
Configure MCA products with flexible factor rates, holdback percentages, and renewal conditions that adapt to the performance profile of each merchant.
Configure MCA products with flexible factor rates, holdback percentages, and renewal conditions that adapt to the performance profile of each merchant.
Dynamic servicing
Track daily or weekly remittances, monitor merchant revenue performance, and manage advance
balances from a centralised platform.
Automated reconciliation, real-time account visibility, and proactive borrower alerts keep servicing overhead low across high volumes.
Automated reconciliation, real-time account visibility, and proactive borrower alerts keep servicing overhead low across high volumes.
Performance-led collection
Detect merchants showing revenue deterioration early and act before repayment gaps widen. Apply
adaptive collection strategies — adjusted holdback rates, short-term deferrals, restructured
terms — that recover outstanding advances while keeping merchant relationships intact where
viable.
Task management for merchant funding teams
Push every advance from application to funding without stalls. Auto-assign work by role and load,
watch SLAs as the clock runs, and keep underwriting, verification, and funding teams pulling in the
same direction.
Online onboarding
Cash advance software that
gets more leads funded
Turn merchant interest into funded advances without friction. Applicants get a fast, fully digital
path from first quote to funding, while your team automates the busywork and pushes more deals
through on a fraction of the manual effort.
Lift completion with an upfront offer
Decide and fund without the wait
Bank statement intake and analysis
Grow through ISO and broker channels
Get your lending
product estimate
in 3 minutes
STEP:
/
Advance origination
Underwrite and fund
every advance faster
Drawn-out reviews and thin data kill deals and let weak advances slip through. Automated
verification and scoring give every merchant application a quick, confident funding call.
Revenue validation and advance sizing
Underwriting shaped by your risk rules
AI decisioning that funds more good deals
GiniMachine scoring that improves itself
From offer to signed contract, no paper
Scoring
Scoring model
and much more
Configurable advance products
Set up any funding product your shop runs in HES LoanBox: standard MCA, revenue-based
financing, daily or weekly ACH remittance, or blends by vertical. Factor rates, holdback,
repayment terms, and qualification rules adjust per product, channel, or merchant tier
without dev time.
Automated funding agreements
Produce binding funding agreements right away from pre-built templates pre-loaded with
advance amount, factor rate, holdback, and remittance terms. Kill drafting mistakes, move
capital faster, and meet commercial financing disclosure rules.
Renewal and re-up management
Set a payback threshold: the system flags every merchant eligible for renewal the moment
they cross it. Track re-ups in a dedicated pipeline, send offers automatically, and keep
your funding volume compounding without manual chasing.
ISO and broker commission tracking
Track buy rate, sell rate, and commission splits for every ISO, broker, and referral agent
on each funded deal. Generate partner statements on demand so payouts are transparent and
disputes stay rare.
Daily remittance reconciliation
Match every incoming ACH or split-funding payment against the expected remittance schedule
automatically. Surface shortfalls, flag missed payments, and generate true-up records so
your ops team spends minutes on reconciliation, not half the morning.
Visual workflow builder
Map and adjust merchant funding workflows through a drag-and-drop editor, no engineering
help needed. Lay out onboarding steps, wire approval logic, add conditional branches, and
deploy changes within days, not quarters.
The configurable workflows
Advance servicing
Manage every funded advance
from one place
Disjointed systems and hand-done tracking drain hours and hide problems until they cost real money.
Run your full advance book on current data, flexible terms, and payments that land where they
should.
Advance lifecycle on autopilot
Portfolio and remittance monitoring
Merchant relationship management
Payment operations and settlement
Loans
Loan products
Give your advance portfolio
AI-grade risk intelligence
Explainable risk scoring
Score every merchant from intake through portfolio life using models your team can audit and
explain. Pre-screening, revenue-based assessment, and default prediction all produce clear,
documented outputs.
Sharper decisions, fewer losses
Scoring models fed with real advance outcomes reach up to 3x the accuracy of manual review,
letting more good deals through.
Smarter portfolio control
Spot revenue drops before they become defaults, adjust factor rate pricing by risk tier, and
keep your advance book profitable across all merchant segments.
Advance collections
Catch delinquent advances early
and recover faster
When a merchant stops remitting, every day of delay eats into your return. Automated outreach,
AI-based prioritization, and configurable holdback rules help your team respond fast, stay
compliant, and bring more capital back.
Recovery kicks in when a payment fails
AI picks which merchants to chase first
Stop missed remittances before they start
Compliant fee and holdback enforcement
Cash advance reporting and analytics
Your ops team gets dashboards designed for merchant funding KPIs in HES LoanBox: funded volume,
collection rates, defaults by segment, and ISO channel numbers. Download the raw numbers or build
the views you need, no tickets required.
HES FinTech has been our reliable technology partner since 2012. I believe much of our success is due to the well-architected HES LoanBox solution.
HES FinTech offers comprehensive front-to-back solutions with integrations. Our machine learning platform will allow clients best-in-class investment advice.
In just 6 months, we went from storing all our data in Excel to a fast, reliable, and user-friendly platform that caters to our specific needs.
HES FinTech developed our lending software and predictive analytics. Their expertise delivered automation, clear UI/UX and customer portal.
The LMS provided flexible repayment options, automated restructuring and branch-level management, enhancing efficiency and risk mitigation.
Security
Deployment
Tech stack
Enterprise-grade
security
Every deployment carries ISO 27001 certification and follows a strict SDLC.
Merchant data stays protected with end-to-end encryption, role-based access,
and infrastructure hosted in a secure environment.
Learn more
Built on cloud
technologies
Run HES LoanBox on your own servers, in a private cloud, or on any public
cloud provider. You pick the setup that fits your compliance and performance
requirements.
Powerful
backend tools
The platform is built on free, open-source technology: Java LTS, BPMN 2.0,
Camunda, and Form.io modeler. No extra licensing costs sit on top of the HES
LoanBox source code.
The 2026 reality of
merchant cash advance
29%
of credit applicants now go to online lenders
The share of small businesses applying to online and fintech lenders climbed from
17% in 2020 to 29% in 2025, five straight years of growth. Demand keeps moving to your channel.
48%
of applicants left underfunded by banks
Nearly half of US small business credit applicants did not get the
full amount they asked for. Every shortfall is a merchant a funder can reach first.
+14%
yearly rise in small business lending fraud
More than 80% of small business lenders saw fraud climb about
14% in a single year, and most of it surfaces within the first month of funding. Bank statements alone will not
catch it.
38%
of small businesses applied for financing
More than a third of US small businesses applied for a loan, line of credit, or
merchant cash advance
in the prior 12 months. The applicant pool is large and growing.
