The funding OS
for MCA brokers.
Lendro reads bank statements and verifies every number against the bank’s own balances, matches funders to their buy-box, and runs each deal from first call to funded — with the CRM layer on the way.
No spam — one email when Lendro launches.
- Opening balance$18,204.11
- + Deposits+$184,920.00
- − Withdrawals−$179,612.40
- Closing balance$23,511.71
- Highland CapitalQualified
- Cedar Funding GroupQualified
- Meridian AdvanceReview
- Pinnacle MCADeclined
Illustrative preview — sample data
The hard part is already built
Lendro starts from a working underwriting engine — not a mockup. It reads statements, proves every number against the bank’s own balances, matches funders, and runs the deal end to end. Here’s what that means.
- 03/04ACH DEPOSIT — STRIPE+$4,210.00
- 03/05CARD SETTLEMENT+$2,940.55
- 03/06PAYROLL RUN−$8,120.00
- 03/07ACH DEPOSIT — SQUARE+$1,775.20
It reads every statement for you
Drop in a PDF and Lendro’s vision model transcribes each line into structured transactions. The model only reads — never does the math — so what you get is clean, itemized data, not a black-box estimate.
- Every line item transcribed to structured data
- Long statements chunked so nothing times out
- Misread years and duplicate seams cleaned up automatically
Reconciled to the bank’s own balance
A number is never served as fact unless it ties back to the bank’s printed running balance. If it reconciles, the read is marked high. If it doesn’t, it’s flagged needs review — so a wrong number never slips through as a confident one.
- Tied line-by-line to the printed running balance
- Summary-totals fallback for balance-less statements
- Anything that can’t tie out is flagged, never guessed
It matches funders automatically
Reconciled metrics run straight through each funder’s buy-box — revenue thresholds, NSF and negative-day limits, position and stacking rules — to sort every funder into qualified, review, or declined before a human looks.
- Buy-box rules applied to revenue, NSFs, negative days
- Stacking and existing-position checks built in
- Qualified / review / declined in one pass
It runs the whole pipeline
From first lead to funded deal, Lendro keeps every stage on one board — underwrite, offers, contracts — with missing-doc blockers and a live stage bar so nothing stalls between steps.
- Lead intake through funded, one connected flow
- Document intake with missing-doc blockers up front
- Offers and contracts tracked on a live stage bar
Underwriting reads
Revenue, average daily balance, deposit counts, NSFs, negative days, and existing MCA positions — computed in code from reconciled data, per statement and rolled up per merchant.
Document intake
Drop statements and applications onto the deal. Files are organized per merchant, and a readiness check flags what’s missing before you submit.
Team access
Invite your team by email, control who sees and does what per user, and keep every deal’s activity in one shared workspace.
Next: the CRM layer that ties it together
Underwriting is only half a brokerage. The next layer is the relationship side — every merchant, broker, and funder as a contact with history, follow-ups, and renewals — living in the same place the deals already run. We’re building it now; here’s what’s on the roadmap, honestly labeled.
The full CRM layer
Contacts and relationships across merchants, brokers, and funders — follow-ups, renewal dates, and the whole communication history tied to the deals they belong to. The layer that turns deal flow into a book of business.
On the roadmapE-signature
Send applications and agreements for signature and watch them land back on the deal — no printing, no chasing PDFs through email threads.
On the roadmapEmail & SMS automations
Follow-ups, stip chasing, and status updates that send themselves — with every message logged to the merchant’s history.
On the roadmapRenewal tracking
Know when every funded deal comes up for renewal — balances paid down, dates approaching, and who to call this week.
On the roadmapAccuracy first. Everything else second.
Underwriting tools live or die on one thing: whether you can trust the numbers. Lendro was designed around that from the first line of code.
Verified, or flagged. Never guessed.
Every number is checked against the bank’s own printed balances before you see it. If we can’t verify a number against the statement itself, we tell you — it’s marked for review instead of served as fact.
The AI reads. The math is code.
The model only transcribes what’s on the page. Every calculation, reconciliation, and decision happens in deterministic code — so the same statement gives the same answer, and nothing is a black-box estimate.
Built by brokers, for brokers.
This isn’t a generic doc-AI wearing an MCA costume. It was built inside a working brokerage, around the way deals actually move — statements, stips, buy-boxes, stacking, renewals.
Be first in line.
Lendro is coming soon. Leave your email and you’ll get one message when it launches — early access, no spam.