MCA Verify — AI Underwriting for Merchant Cash Advance | GoACH

Part of the Unity FI Family

MCA Verify: AI Underwriting for Merchant Cash Advance

MCA Verify is AI-driven underwriting software for merchant cash advance funders — and a sister product of GoACH under Unity FI Solutions. It underwrites the deal; GoACH moves the money. Together they take a merchant from application to funded and collecting.

Minutes, not days
Time to a decision
In-house AI
Bank-statement analysis
Unity FI
Same company as GoACH

Definition

What is MCA Verify?

MCA Verify is B2B underwriting software for the merchant cash advance industry. It ingests a merchant’s bank statements, automatically analyzes cash flow, produces an explainable deal risk score, detects statement tampering and stacking, drafts credit memos, and records every decision in an immutable audit trail. Its tagline says it plainly: underwrite MCA deals in minutes, not days — with an audit trail you can trust.

MCA Verify is built by the team behind MCA Track and operated by Unity FI Solutions LLC of Charlotte, NC — the same company behind GoACH. Visit MCAVerify.com to see the platform or book a demo.

How they fit together

How MCA Verify and GoACH work together

MCA Verify and GoACH cover two different stages of the same deal. MCA Verify is where you decide whether to fund — analyzing bank statements, scoring risk, and catching stacking before a dollar goes out. GoACH is where the money moves once you say yes — disbursing the advance and collecting daily repayments over ACH, all NACHA-compliant and built for high-risk MCA volume.

  • Underwrite with MCA Verify — automated bank-statement analysis, risk score, stacking and tampering detection, and an audit trail.
  • Fund and collect with GoACH — ACH credits to disburse the advance, ACH debits to collect the holdback, with real-time return monitoring.
  • One Unity FI stack — MCA Verify to decide, MCA Track to service, GoACH to process payments — all from the same company.
Capabilities

What MCA Verify does

AI bank-statement analysis
Parses deposits, balances, negative days, and cash-flow trends automatically — no manual spreadsheet tallying.
Explainable risk score
Every deal gets a defensible score with the factors behind it, so decisions are faster and more consistent.
Stacking & tampering detection
Flags edited statements and competitor ACH debits that signal existing advances — before you fund.
Immutable audit trail
Every document, analysis, and decision is recorded for partners and auditors.

See the full product at mcaverify.com.

Common questions

Frequently asked questions

Is MCA Verify related to GoACH?
Yes. MCA Verify and GoACH are both products of Unity FI Solutions LLC in Charlotte, NC. MCA Verify handles underwriting; GoACH handles the ACH payment processing that funds and collects on the deals you approve.
What does MCA Verify do?
It automates merchant cash advance underwriting — AI bank-statement analysis, an explainable risk score, stacking and tampering detection, AI-drafted credit memos, and a compliance-grade audit trail — from lead intake to credit decision.
Who is MCA Verify for?
MCA funders and lenders, underwriting managers and analysts, ISOs and brokers who submit deals, and compliance officers who need a defensible record of every decision.

Decide faster. Fund and collect with GoACH.

Underwrite the deal with MCA Verify, then process the ACH with GoACH — both from Unity FI Solutions. Explore MCA Verify or get set up with GoACH.