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.
Automated revenue analysis and risk scoring deliver approvals in minutes — keeping your MCA
pipeline moving at the pace merchants expect.
90%
quicker credit decisions
Handle surges in applications through intelligent automation that processes, scores, and
advances funds at volume without operational bottlenecks.
10x
enhanced capacity
Identify merchants with genuine repayment capacity, prioritize collection effort, and
recover outstanding advances more effectively across your portfolio.
25%
improved recoveries
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.
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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.
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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 merchant alerts keep servicing overhead low across high volumes.
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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.
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Get your lending
product estimate
in 3 minutes
STEP:
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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.
An embedded estimator lets merchants test advance amounts, factor rates, and
holdback against their own revenue in real time. Seeing the true cost and daily
remittance upfront builds trust and cuts early drop-offs.
Decide and fund without the wait
Merchants link bank and processor accounts, upload statements, and sign the
agreement without a single call. HES LoanBox clears KYB and risk checks and scores
the deal automatically, so funding decisions land in hours, not days.
Bank statement intake and analysis
Merchants upload three to six months of bank statements. The system parses revenue
patterns, average daily balances, and NSF counts automatically, and flags recurring
ACH debits from other funders so stacking risk is visible before you commit.
Grow through ISO and broker channels
Give ISOs, brokers, and referral agents their own portals to submit deals, track
funding, and follow commissions for the merchants they bring. Grow your origination
channel without new hires or new branches.
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.
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.
The platform reads parsed bank statement data, validates actual merchant revenue,
and sizes the advance automatically. Factor rate, holdback percentage, and repayment
term adjust to the revenue profile, so every offer reflects what the business can
sustain.
Underwriting shaped by your risk rules
HES LoanBox underwrites on the risk rules you define, so good advances clear fast.
Run each deal hands-off, part-assisted, or fully manual by advance size, industry,
or risk tier, with no trade-off on speed or control.
AI decisioning that funds more good deals
Blend the scoring rules you trust with AI decisioning tuned for revenue-based
funding. Build custom scorecards or turn on the native AI model to back more solid
merchants, catch stacking signals early, and trim defaults by as much as 40%.
GiniMachine scoring that improves itself
Every funding decision helps the GiniMachine engine study how past advances actually
performed, spot fresh risk patterns, and retrain its models without being told,
lifting accuracy while cutting defaults, manual reviews, and deals you would have
missed.
From offer to signed contract, no paper
Once underwriting clears, the system generates the offer with advance amount, factor
rate, holdback, and remittance schedule, ready for the merchant to review and sign
electronically. No printing, no scanning, no branch visit. Document handling spend
drops by as much as 90%.
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.
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.
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.
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.
Daily remittance reconciliation
Automatically match ACH and split-funding payments to remittance schedules, flag shortfalls
and missed payments, and generate true-ups, cutting reconciliation from hours to minutes.
ISO and broker commission tracking
Track buy/sell rates and commission splits for every ISO, broker, and referral partner, and
generate statements on demand for transparent payouts.
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.
Run every funded advance from first remittance through to payoff without manual
steps. Holdback adjustments, fee calculations, early payoffs, and schedule changes
all run against your own settings, no spreadsheet work and no after-hours
reconciliation.
Portfolio and remittance monitoring
See every active advance, daily remittance status, and revenue trend per merchant on
one dashboard. Spot revenue drops early, flag merchants falling behind schedule, and
catch it before a slow decline becomes a default.
Merchant relationship management
Pull up any merchant instantly in HES LoanBox: application history, active and
completed advances, revenue data, payback progress, and current risk profile. Your
team handles questions on first contact and spots which merchants are close to their
next renewal.
Payment operations and settlement
Process holdback splits, daily remittances, and disbursements through ACH,
split-funding, and card networks. Settlement posts on the schedule you configure,
ledgers update as payments land, and pre-integrated gateways handle the volume
without manual intervention.
Give your advance portfolio
AI-grade risk intelligence
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.
Explainable risk scoring
Score merchants across their lifecycle using explainable, auditable models for
pre-screening, risk assessment, and default prediction.
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.
HES LoanBox detects every failed remittance and starts the recovery sequence you
designed. Outreach fires the same day, holdback percentages adjust as merchant
revenue shifts, and each case routes through steps matched to days past due.
AI picks which merchants to chase first
AI sorts your recovery queue by who is most likely to pay. It ranks delinquent
merchants by predicted recovery probability, identifies when and how to reach each
one, and forecasts how much capital you can expect back this month.
Stop missed remittances before they start
Proactive alerts keep merchants aware of upcoming remittances so fewer cases ever
reach collections. Alerts fire on each merchant's dates across SMS, email, and
voice, and you see which ones land and which get ignored.
Compliant fee and holdback enforcement
Apply late fees and holdback changes within the boundaries your compliance team
sets. Penalty rules configure by advance type and jurisdiction, caps apply on their
own, and every merchant contact and fee action logs for full audit readiness.
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.
100+ integrations across every stage of the MCA funding cycle
Connect to the stack your MCA operation depends on: bank data providers, payment processors, KYB and
identity tools, accounting platforms, eSignature, ISO portals, BI, and core banking. Open APIs
handle anything outside the pre-built connectors.
Why MCA funders choose HES
Production-ready in 8 weeks
Get your funding operation processing real advances, not waiting on environment setups or
configuration cycles, in as few as 8 weeks.
Predictable project cost
Get fixed-price delivery with up to 95% budget accuracy. You know the full platform scope
and cost before work begins.
Flexibility based on your needs
Configure only the modules your MCA operation requires, expand as your funded portfolio
grows, and adjust factor rate logic, holdback rules, and ISO channel workflows.
Flexible deployment options
Cloud, on-premise, or hybrid: the choice is yours. An optional developer license gives your
engineering team unrestricted access to the codebase and roadmap.
Implementation by lending experts
Your implementation is run by specialists who have configured advance origination,
revenue-based decisioning, and collection workflows for MCA funders and alternative lenders
across 30+ markets.
Audit-ready platform
ISO 27001 certified, SOC 2 aligned, with built-in KYC, KYB, identity verification, and
audit-log workflows. Ready for state-level lending examination without extra build.
Success stories
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.
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.
HES FinTech supports compliance across jurisdictions, including GDPR, FCA,
and AML/KYC requirements, helping you stay audit-ready and adapt to evolving
regulatory frameworks without disruption.
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.
Go live in three months
You find the merchants.
HES FinTech delivers the technology.
Is technical support available for cash advance software?
Certainly! Our services include technical support through regular software updates and
customer assistance. When you sign up for our standard package, your team will receive two
demo tours to ensure they fully grasp the software's capabilities and learn how to utilize
it effectively.
How long does it take to implement cash advance loan software?
Typically, within a span of three months from the contract signing, we can complete the
development of a fully customized software solution and have it ready for launch. This
efficient turnaround time allows for a quick start, enabling you to swiftly achieve the
desired level of profitability and easily adapt your workflow as needed.
Can MCA software provide insights and reports on a business's performance?
You have the flexibility to select any platform for tracking Key Performance Indicators
(KPIs) and monitoring your business performance. Our software solution will seamlessly
integrate with the chosen platform. Additionally, our system supports the export of reports
and analytical data, providing you with the ability to utilize them for further reporting
and internal purposes.
What are the benefits of using a merchant cash advance platform?
The HES software assists businesses in achieving cost savings and streamlined workflows
through several key features:
Accelerated loan application processing: significantly reduce the time required to
process loan applications, leading to faster turnaround times and improved customer
satisfaction.
Automation of manual processes: eliminate time-consuming and error-prone manual
entry. This automation streamlines processes, enhances efficiency, and minimizes the
risk of human error.
Reduced reliance on credit managers: reduce the dependency on credit managers by
automating various credit-related processes. This enables businesses to handle
larger volumes of credit applications without the need for additional resources,
thereby reducing costs and improving scalability.
Elimination of human factor and bias in credit decisions: credit decisions are based
on objective algorithms and predefined criteria. This eliminates human bias and
ensures consistent and fair credit decisions.
Automatic tracking of tasks and documents, employee productivity monitoring:
automatically track tasks and documents throughout the credit process. This
streamlines collaboration, improves transparency, and enables businesses to monitor
employee productivity effectively.
Book a demo
HES FinTech has been our reliable technology partner since 2012. We owe much of
our success to their well-architectured solution.
Boris Batine, CEO at ID Finance
HES FinTech offers comprehensive front-to-back solutions with integrations. Our
machine learning platform will allow clients best-in-class investment advice.
Edward Downpatrick, Strategy Director at Fintuity
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.
Hjortur H. Jonsson, Partner at ALM Securities
HES developed our lending software and predictive analytics. Their expertise
delivered automation, clear UI/UX, and customer portal.
Mazen Alasnag, Head of Loan Management at Wa’ed
The LMS provided flexible repayment options, automated restructuring and
branch-level management, enhancing efficiency and risk mitigation.
