Intelligent Lending Operations

Replace your
spreadsheets
with a real OS.

The operating system for funders, syndicators, ISOs, and lenders. Automate underwriting, track repayments, and predict defaults — with institutional precision.

Portfolio Overview
Active Deals 247 +12 this week
Default Risk 2.4% avg portfolio
Repayments Due $1.8M $340k today
Merchant repayment velocity — 8-week trend
3 merchants flagged for missed payments — review required →
<48hrs Avg. time from application to funding decision
94% Repayment prediction accuracy on active portfolio
$30k–$60k Annual earnings per funder on standard merchant load
For Syndicators & Funders

Run your entire portfolio
from a single command center.

Digital Wallet

Set up in minutes. Start managing paybacks with auto-distribution to multiple participants. No reconciliation headaches.

Automated Syndication

Split deals instantly. Configure management fees, participant shares, and remittance schedules — done once, runs forever.

Custom Fee Formulas

Build tier-based fee structures by fund amount, payback, or factor rate. Complex rules, zero manual calculation.

For Merchants

Always know where
you stand.

Payment Schedule Tracking

View your payback timeline, daily holdback rate, and remaining balance in real time. No guessing.

Health Monitoring

Visualize payment trends, flag at-risk accounts, and get early alerts for missed payments or unusual activity.

Document Requests

Request statements and compliance docs from your portal. Automated reminders, no back-and-forth.

For ISOs

Route the right deal
to the right funder — instantly.

Automated Lead Intake

Forms that capture the data you need. Instant submission to your pipeline — no manual re-entry.

Smart Underwriting

Automated decisioning flags qualified leads. Risk tier assignment and funder matching — in seconds.

Instant Routing

Qualified leads matched to the right funder based on criteria you set. No manual assignment, no dropped deals.

Integrated with the tools that run your business
Pricing Model

You stop paying — and start earning.

For Merchants
$34.99 /mo per merchant

$10 of this goes to the funder every month

Rate changes to $5/merchant/mo after 2026

For Funders
$30k–$60k annual earnings

Earn a share of every transaction — no cost to you

Based on standard merchant portfolio

Total Impact $60k–$120k back in your pocket instead of paying $50,000

The market is moving fast.
Built to keep up.

33 million small businesses need capital. You have the platform to fund them. AI My Advance is the operating system that makes it happen at scale.