When your underwriting stack lives in one system and your funding rails live in another, time slips through the cracks—along with deals. Liftoff changes that. We put underwriting and ACH/RTP funding on the same platform, so your team can verify identity, analyze cash flow, predict returns, approve, and disburse—all in one motion, often within minutes.
This isn’t “integrations stitched together.” It’s a vertically integrated workflow built for MCA and specialty lending: collect signals → decide → move money. The effect is immediate: faster approvals, fewer handoffs, lower return rates, and a radically better borrower experience.
Why One Platform Matters
Every extra hop—exporting bank data to another tool, emailing PDFs, waiting for a payment's portal—adds friction and risk. Separate systems mean:
· Delays between approval and funding (and lost deals on weekends).
· Inconsistent data and missing audit trails.
· Poor feedback loops (collections outcomes don’t refine underwriting).
Liftoff solves this by keeping signals, decisions, and rails in one place. Underwriters see what collections teams learn, and your funding team acts the instant a file clears.
Underwriting Built for Lenders (Not Just Data Aggregation)
Multi-Statement Cash-Flow at a Glance
Upload or connect multiple bank statements at once. Liftoff normalizes transactions across institutions, tags true operating revenue vs. circular inflows, and highlights seasonality, payroll collisions, tax remittances, and large-ticket volatility.
12-Month Processing Health
Pull a merchant’s last 12 months of processing history to understand refund behavior, chargeback exposure, and weekend throughput. See whether their volume can sustain your debit cadence before you advance.AI 10-Day Forecast for Pull Timing
If a client is trending toward default—or you need to reduce return risk—Liftoff’s AI 10-day forecast recommends the best days to pull funds based on observed inflow patterns, weekday/ weekend seasonality, and payroll/tax cycles. It’s like a smart calendar for repayment success.
KYC/KYB + OFAC + Device/Doc Forensics
Validate ownership and identity, screen against sanctions, and catch synthetic identities or PDF tampering with built-in document forensics and device fingerprints. Each check feeds a clear, explainable risk score with reason codes underwriters can defend.
Collections-Aware Decisioning
Approval logic simulates your repayment plan (amount + cadence) against the merchant’s trailing cash flow. Instead of “balance looks fine,” you get: “Net 5 cadence collides with payroll 3/5 Fridays—recommend Net 3 or staged amounts.”
Funding Rails That Fire the Moment You Approve
ACH, Same-Day ACH, and RTP—Inside the Same UI
The second a deal clears underwriting, you can fund via RTP (24/7/365, no bank cutoff times) or push Same-Day ACH/standard ACH—without swapping systems or rekeying data. For collections, you can opt into $0 cost on inbound ACH/debit pulls to collapse unit costs and improve ROI.
Underwriting Signals → Funding Checks
RTP eligibility, bank readiness, and typical RTP limits are checked before you promise “instant funding.” If a recipient can’t receive RTP, Liftoff fails over to the next best rail—automatically.
Audit-Ready Evidence Packs
Every disbursement is linked to the decision record: KYC/KYB results, cash-flow simulation, sanctions clearances, and decision reason codes. That means cleaner audits and smoother investor reviews.
How It Works (A Deal in Minutes)
1. Apply & Connect: - Merchant completes a short application; you upload statements or connect accounts.
2. Analyze: - Liftoff auto-tags income/outflow, runs processing-health analytics, and computes a collections-aware risk score.
3. Decide: - Tweak advance size or cadence and see risk change in real time. Save the Underwriter Pack.
4. Fund: - Click Fund Now. Choose RTP (instant, 24/7) or ACH/Same-Day ACH.
5. Collect & Improve: - Use the AI 10-day forecast to optimize pulls. Collections outcomes feed back into your models automatically.
What Makes Liftoff Different From Competitors
· True One-Stack Flow: Most vendors do data or they do payments. We do both— natively.
· Speed Without Guesswork: AI-assisted underwriting that’s collections-aware, not just “bank balance looks good.”
· Pull Optimization: The 10-day forecast reduces R01/R02 returns without stretching the term or spiking complaints.
· Cost Advantage: Option for $0 inbound ACH/debit pulls plus RTP disbursements gives you a tangible margin edge.
· Real-Time Feedback Loop: Collections outcomes directly retrain risk scores, so your approvals improve each month.
Results You Can Expect (Typical Outcomes)
· Decision time down 40–60% with multi-statement analysis and explainable risk scoring.
· Returns down 20–35% through cadence fit and pull-day optimization.
· COGS down with $0 inbound on receivables and lower chargeback/return handling.
· Win more weekends: Fund any day, any hour via RTP while competitors wait for bank hours.
Implementation: Fast, Friendly, and Flexible
· Start in the Dashboard (no code) or wire the Underwriting & Payments APIs into your LOS.
· Webhooks update your CRM with decision states, funding confirmations, and collection outcomes.
· Role-based permissions keep underwriting and funding controls separated while preserving a single system of record.
Real-World Use Cases
· New Originations: Evaluate a new file, approve the right structure, and fund instantly— no “come back Monday.”
· Imminent Default: Switch to the AI 10-day forecast to reduce return risk and stabilize the plan.
· Renewals: Re-score in minutes using current statements and the customer’s real repayment performance.
· High-Risk Verticals: Layer stricter verification and device/doc forensics without slowing your fastest funnels.
The Bottom Line
Liftoff puts underwriting intelligence and payment rails on the same track. Your team spends less time copying data between systems and more time approving good deals, funding faster, and preventing losses. The operational simplicity is real; the performance lift is measurable.
If you’re ready to collapse your underwriting and funding workflow into one platform—and underwrite at the speed you fund—Liftoff is the shortest path.
FAQ
How quickly can we go live?
Many teams start in the dashboard immediately and stand up an API pilot in about a week. Because underwriting and funding are native to Liftoff, there’s no multi-vendor wrangling.
Do we have to replace our current bank-data aggregator?
No. Liftoff can ingest Plaid/MX/Finicity or raw statements. We add collections-aware scoring, fraud checks, and funding rails on top.
Can we fund outside bank hours?
Yes. RTP is available 24/7/365 with no cutoff times. If RTP isn’t available for a recipient, we fail over to Same-Day ACH or standard ACH.
What’s the “$0 inbound” option?
For receivables (ACH/debit pulls), you can opt into $0 per-item on inbound transactions. Many lenders use this to materially reduce unit economics on collections.
How does the 10-day forecast work?
Our model analyzes recent inflows/outflows and seasonality to recommend the best pull days in the next 10 days. It’s designed to reduce NSF returns without lengthening the term.
Is Liftoff compliant?
Yes. Built-in KYC/KYB, OFAC checks, document/device forensics, NACHA-aligned flows, and audit-ready Underwriter Packs come standard.
Ready to unify underwriting and funding?
Talk to a Liftoff specialist to see how one platform can verify, decide, and disburse—in minutes.