Intake & documents
Log new applications, check they are complete and chase missing statements, IDs and voided cheques.
For MCA funders & ISOs
Back-office support for merchant cash advance funders
In MCA, the funder who answers first usually wins the deal. A dedicated back-office team gets files ready for your underwriters faster, while credit decisions stay with you.
The short answer
Merchant cash advance back-office support is a dedicated team that handles the repeatable work around each deal: application intake, document collection, bank statement analysis, stacking checks, CRM updates and renewal follow-ups. AapicoSteps provides these teams to merchant cash advance businesses, working inside the funder’s own systems, while underwriting and funding decisions stay with the funder.
What the team handles
Bank statement analysis
Spread statements, calculate deposits and balances, and flag negative days and NSFs for your underwriters.
Stacking & checks
Look for existing advances and daily debits, and run the checks in your playbook before the file reaches underwriting.
CRM & ISO support
Keep your CRM current, update ISOs on file status and prepare offer paperwork.
Renewals
Track paid-down percentages and line up renewal outreach at the right time.
Reporting
Daily pipeline and turnaround reports for your team.
Want to see how this would work for you? Book a free 20-minute call
Why funders outsource this work
- Speed: complete files reach underwriting sooner, which helps win competitive deals
- Focus: underwriters and closers spend their time on decisions, not data entry
- Cost: repeatable steps are done at offshore rates
- Flexibility: hours go up and down with deal flow
Outsourcing covers preparation and follow-up. Final credit decisions, pricing and funding approvals remain with your underwriting team.
Is it right for you?
An honest check before you book a call.
A good fit if
- Applications wait in a queue before anyone looks at them
- Underwriters spend time spreading statements
- ISOs chase you for file status
- Renewals are missed because nobody tracks paid-down balances
Probably not a fit if
- You want someone else to make credit decisions
- You fund only a handful of deals a month
How it works
- 1
Map your pipeline
Walk through intake to funding and pick the slowest step.
- 2
Pilot one step
A team takes that step over, inside your CRM, with your checklist.
- 3
Measure turnaround
Compare time-to-underwriting and accuracy with your baseline.
- 4
Add the next step
Extend to documents, stacking checks or renewals.
Questions
Something else? Ask on WhatsApp or send a message. Replies within one working hour.
What does an MCA back-office team do?
It prepares and maintains deal files: intake, document collection, bank statement analysis, stacking checks, CRM updates, ISO status updates and renewal tracking. Underwriting decisions stay with the funder.
Do you make underwriting decisions?
No. The team prepares files and flags risks against your checklist; your underwriters decide.
Can the team work in our CRM?
Yes. Teams work inside your own CRM and document systems, with access you control.
Do you work with ISOs as well as direct funders?
Yes. The same intake, document and status work applies to ISOs managing deal flow across several funders.
How is it priced?
By dedicated team hours per business day, quoted after a 20-minute call about your volume and process.
Next step
Find the slowest step in your pipeline.
In a 20-minute call we walk through your process from application to funding and suggest a pilot.