If you fund small businesses, you already know the modern underwriting problem: too many tabs, too much noise, not enough signal. One tool for bank connection, another for identity checks, something else for cash-flow analysis—then you still need to predict repayment timing and detect lender stacking before it hits your portfolio.
Liftoff was built to compress that sprawl into a single, lender-first workflow. Below is a transparent look at every underwriting module we ship (and how MCA teams actually use them in production) so you can fund better files with less fraud and fewer ACH returns—without adding headcount or toggling between four dashboards.
1) Verify + View (Bank Connect): Fast, Bank-Level Data You Can Trust
What it does: One secure connection gives you Account Verification, Bank Statements, and Month-to-Date transactions in minutes.
Why funders care: You eliminate stale PDFs and “screen-capture statements.” With a verified link, you underwrite to real account data, not whatever a merchant uploaded.
Typical MCA use cases
· Confirm the funding account exists and matches the business/owner (prevents mule and pass-through accounts).
· Pull MTD transactions to catch late-emerging NSFs or newly stacked lenders—before you sign the COJ.
· Validate the actual operating account vs a “collections only” account.
2) Account Owner Verification: Tie the Bank Account to the People
What it checks:
· Account holders on file
· Phone numbers
· Documents
· All listed addresses (personal, business, other)
Why it matters: Fraud is often a mismatch problem. If the business owner on the application isn’t the owner on the bank account—or their addresses and contact tree don’t align—your default risk jumps. Liftoff surfaces those mismatches so you can request clarification or exit the file early.
3) Real-Time Account Balance: What’s Actually Available Right Now
Signals included:
· Available Balance (real time)
· Pending withdrawals/payments
Underwriting advantage: Many defaults aren’t about the total cash a business earns; they’re about timing. If payroll hits Thursday and you debit Wednesday, you’re fine. Flip that timing and you bounce. Real-time balance plus pending lets you schedule first debits intelligently and set repayment cadence that sticks.
4) Bank Statements (FCRA-Compliant): 12-Month Access in PDF
What you get:
· FCRA-compliant statements
· PDF report format with cover page & report ID
· 12 months of transaction history
Why it helps: Underwriters still need a clean PDF for internal files, brokers, and auditors. Liftoff gives you bank-clean statements with a report ID for chain-of-custody, without needing the merchant to dig in their portal.
5) Balance Analytics: Trendlines that Predict Stress
Metrics we compute for you:
· Available balance over time
· Average daily balance, min/max, and volatility
· Current account balance
· Up to 24 months of trend data
· Decision notes to gauge financial stability
How MCA teams use it:
· Spot operating-balance decay long before charge-offs rise.
· Separate seasonality from genuine slow-down.
· Identify merchants who keep tight cash “runway”—great candidates for RTP funding and high-frequency/smaller ACH pulls.
6) Cash-Flow Report: The 45-Second Underwriter
Delivered in ~45 seconds:
· True revenue flow (credits) and NSF patterns
· Inflow/outflow analysis
· Trending & balance insights
· Flags for transactions from lenders
· 24 months of transaction history
Why it matters: You can spend an hour scrolling CSVs or let Liftoff summarize how money really moves through the merchant’s account—including other lender activity. That “other lender ACH” line item? We flag it, show frequency, and help you calculate stack risk in context.
7) Account Aggregation: One Pane for Multiple Accounts
What it includes:
· Available balance and MTD transactions
· Average daily balance
· Time period up to 24 months
· Stability scoring and practitioner-friendly summaries
Why you need it: Many merchants use two or more accounts (operations, payroll, reserves).
Liftoff aggregates those streams to reflect true cash health, so you aren’t fooled by one “clean” account while liabilities drain from the other.
8) Payment Success Indicator: 10-Day Forecast to Time Your Pulls
Signals you see:
· Real-time balance & activity with a 10-day forecast
· Recommended optimal debit days
· Designed to reduce defaults and increase revenue
The payoff: If a merchant’s cash inflow clusters Mon/Wed/Fri, we’ll nudge your schedule to those windows. Most teams see 40–60% fewer first-week returns simply by aligning to the forecast.
9) ACH Verification (RTP-Aware): Can This Account Pull and Send?
What’s inside:
· Indicators for ACH and Real-Time Payments (RTP) capability (receive/send)
· Use cases: account opening, payment initiation checks
· Nacha-aligned signals
Why underwriters love it: You immediately known if the account is eligible for ACH debits and instant RTP funding. For good files, that means same-session fund & first pull. For risky files, you avoid the “approved but uncollectable” trap.
10) Small Business Risk Metrics: A 360° Health Score You Can Defend
What we deliver:
· 52 weekly sales metrics + 14 benchmarks
· Fraud-activity indicators and stacking risk
· Ability-to-repay assessment and early-warning repayment issues
· A 360° business health view designed for credit committees
Why it works: It’s built for MCA. We’ve trained the model on SMB cash-flow reality, not card only datasets. The result is better approvals with fewer rollovers and lower tail risk.
One Platform = Underwrite and Fund in Minutes
Liftoff isn’t just data. Because underwriting lives in the same OS as ACH, Same-Day ACH, RTP, and invoicing, your team can:
· Decision the file → fund instantly via RTP (24/7/365) — no bank cutoffs.
· Set $0-cost ACH/debit pulls for receivables (we let you eliminate merchant fees on collections when you prefer).
· Use forecasted debit days from Payment Success Indicator for lower returns.
· Automate dunning with smart re-try logic that follows the merchant’s cash rhythm.
· Keep a clean audit trail from first bank connect to final repayment—in one system.
For high-risk verticals or when you need redundancies, Liftoff can also run as your backup ACH rail. Many funders keep their primary in place and route riskier or return-heavy segments through Liftoff’s receivables logic to stabilize portfolio performance.
How This Changes Your Day-to-Day
Before Liftoff
· 5+ tools, conflicting signals, and manual reconciliation
· Approval drift (different analysts, different rules)
· Returns spike because debits don’t match cash timing
· Slow funding (weekday windows only)
After Liftoff
· Single underwriting view from identity → cash flow → risk
· Standardized decisions you can explain to a broker or auditor
· Fewer returns via 10-day debit timing forecast and ACH/RTP eligibility checks
· Instant funding with RTP, including nights/weekends/holidays
Implementation Notes for MCA Teams
· Broker-friendly: Share read-only summaries instead of raw bank files.
· FCRA/GLBA aware: Statements and data handling workflows are built to support compliant usage.
· API or UI: Use our dashboard or embed in your LOS—same data, same decisions.
· International chargeback prevention: If you also move card volume, our AI-assisted dispute engine (Mastercard rails) handles domestic and international claims with automated evidence packs, typically resolved in 24–48 hours.
Results You Can Expect in the First 90 Days
· 10–20% lift in good approvals (previous “borderline” files clarified with real cash-flow and owner-match checks)
· 25–50% fewer ACH returns (timed pulls + account capability checks)
· Faster cycle time from application to funding (same-session RTP on clean files)
· Lower acquisition friction (merchants appreciate $0-cost receivables and instant funding)
Ready to See It on Your Own Files?
Bring three recent declines and three “problem payers.” We’ll run them through Liftoff so you can see where the signals would have tightened the decision or improved repayment timing.
Call to action: Talk to a Payments Specialist → Enable RTP in 24 hours and $0 ACH receivables with underwriting that actually predicts payback.
Frequently Asked Questions (SEO)
What makes Liftoff different from Plaid or Decision Logic?
Liftoff includes bank connectivity, but goes further with owner/account matching, real-time balances, 24-month cash-flow analytics, lender-stack detection, ACH/RTP capability checks, and a 10-day debit timing forecast—all tied directly to funding rails (ACH/Same -Day ACH/RTP). You underwrite and fund in the same platform.
Can Liftoff reduce my NSF and R01 returns?
Yes. The Payment Success Indicator forecasts the next 10 days of healthier debit windows and aligns retries to actual cash patterns, which typically cuts NSF-type returns 25–50%.
Do you support stacked-lender detection?
We flag transactions from other lenders and highlight frequency and magnitude so you can judge stack risk quickly.
Can I keep my primary processor and use Liftoff as a backup?
Absolutely. Many MCA teams route high-risk segments to Liftoff to stabilize returns while keeping their primary for the rest of the book.
Is RTP really available 24/7/365?
Yes. Approved files can be funded instantly—nights, weekends, and bank holidays—removing cutoff delays and giving you a competitive advantage with brokers and merchants.
If you’re ready to replace tool sprawl with a single underwriting and funding motion, Liftoff is your stack: smarter signals, faster decisions, instant funding