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.
Book a demo
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.
Learn more
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.
Learn more
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.
Learn more
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.
Learn more
Get your lending
product estimate
in 3 minutes
STEP:
/
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
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.
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
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.
Advance lifecycle on autopilot
Portfolio and remittance monitoring
Merchant relationship management
Payment operations and settlement
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.
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.
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.
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
Compliance
Deployment
Architecture
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
Aligned with global regulatory standards
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.
