Our mission is to use data-driven decisioning with high levels of automation to continually enhance the efficiency and efficacy of our merchant cash advances.

We utilize our own proprietary scoring system to qualify businesses for an MCA. We use automated technology and data integrations to relieve burdens on the business seeking an advance, expedite the process, and continually monitor qualification to enable always-on financing availability. And in doing these things, we are able to pass on savings to the business we fund with no surcharges or hidden fees, ever.

We seek businesses that have a healthy use of proceeds, especially those uses that will grow revenue. We assess baseline criteria such as background checks, bankruptcy, credit score, etc. coupled with our proprietary online activity/presence validations to create a complete profile of the business and its proprietors. We call this our IntegrityOracle, “IO” for short, hence have incredibly high success and renewal rates.

We are in this for the long haul, continually using our mission to improve – everyday data makes tomorrow smarter. This benefit is passed on to the businesses we fund. One of the things we are most proud of is that many of the founders of the businesses we funded have also invested in us – truly speaks volumes.