Responses in under 15 minutes

MCA underwriting at the speed of your deal flow.

Momentum Underwriting combines the latest technology with expert analysts to deliver accurate deal breakdowns in minimal time, so you price, approve, and fund faster than the competition.

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<15min
Avg. Response Time
99%+
Breakdown Accuracy
24/6
Desk Coverage
Scale Without Hiring

Built for speed. Engineered for accuracy.

We use the latest tech to give you accurate breakdowns in minimal time. No bloated turnaround, no guesswork.

Under 15-Minute Responses

Submit a file and get a full underwriting response back in under 15 minutes.

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Competitive Pricing

Transparent, volume-friendly pricing that beats hiring in-house. Pay per file or scale into a flat desk rate, your call.

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Fast Scaling

Ramp from 10 files a day to 200 without hiring a single underwriter. We flex with your pipeline, instantly.

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Latest-Tech Analysis

Automated statement parsing, revenue trend detection, and position mapping, all verified by human underwriters before it hits your inbox.

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Full Background Checks

NYSCEF and DataMerch sweeps on every file. Know about stacked positions and litigation before you fund.

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Secure by Default

Encrypted file handling and strict access controls. Your merchant data and funder criteria stay yours.

What we handle.

End-to-end MCA underwriting support, from raw statements to a fund-ready decision.

📊 Deal Breakdowns & Pricing

  • Monthly revenue averages, trends & seasonality flags
  • Leverage analysis and current position mapping
  • Holdback / payment affordability assessment
  • Offer recommendations matched to your guidelines

🕵️ Background & Risk Checks

  • NYSCEF litigation & judgment searches
  • DataMerch review
  • Transfer account & deposit-source tracing

🏦 Bank Statement Analysis

  • 3 to 12 month statement review with daily balances
  • NSF / negative-day counts
  • Revenue source classification (checks, wires, processing)
  • Existing MCA payment detection by funder

Example breakdown. Delivered in minutes.

Every file comes back as a clean, decision-ready summary like this.

momentum-uw / breakdown.txt
DECISION: Declined (High leverage, Low rev in May)
MONTHLY AVG: $36k/mo  |  LEVERAGE: 67%  |  BALANCES: Good  |  REVENUE: Inconsistent

CURRENT POSITIONS (7):
  CFG $778/w, Forward $455/w, Fundbox $1,031/w, Future Funding $175/d
  Giggle $781/w, Milvado $224/d, Zlur $193/d

ACCOUNT 4871, RECENT DEPOSITS:
  MAR $18k | Milvado $14,100, CFG $14,770
  APR $70k | Future Funding $6,300, Zlur $9,000
  MAY $19k

BACKGROUND: No NYSCEF and DataMerch results found

Start the momentum.

Tell us about your shop and volume. We'll get back to you fast. It's kind of our thing.

⚡ Fast onboarding

Most funders are submitting files within 24 hours of first contact.

💬 Direct line to underwriters

No ticket queues. You talk to the people pricing your deals.

We typically respond within 15 minutes during business hours.