ACH, real-time payments, and debit—purpose-built for funding and collections
Merchant cash advance (MCA) and lending operations have unique payment needs: high-velocity originations, complex remittance schedules, tight compliance, and zero room for funding delays. Liftoff Platform was built specifically for this industry, drawing on 15+ years of ACH and collections experience to streamline everything from instant funding to automated debits and past-due recovery.
Below, we’ll break down how Liftoff aligns with MCA and lender workflows—and how your team can move money 24/7/365 with fewer failures and lower costs.
Built for the MCA & Lending Lifecycle
Originate & Fund
· Real-time payments (24/7/365): Send funds instantly with no cutoff times or bank-day limitations—nights, weekends, and holidays included.
· Same-Day ACH & ACH credit: Cost-efficient disbursements when speed can trade off with price.
· Debit card rails (charge cards): Take application fees, lock deposits, or initial payments using card-on-file (including debit cards).
Collect & Service
· ACH debit for remittances: Automate daily/weekly draws tied to revenue or fixed schedules.
· Smart retries & NSF logic: Sequence redebits around business days and known pay cycles to improve recovery without spiking returns.
· Debit card fallback: If ACH fails or is revoked, safely charge debit cards (with consent) to keep cash flow moving.
· Payment links & virtual terminal: One-click pay by SMS/email, plus desk-based collections for your servicing team.
Recover & Retain
· Dunning automations: Friendly reminders, pay-plan offers, and self-serve scheduling reduce roll-to-late.
· Partial/settlement workflows: Accept partials, negotiate plans, and capture promises-to pay without leaving the dashboard.
Controls That Keep You Compliant—and Funded
· NACHA-compliant authorizations: Clear mandates (amount/range, cadence, cancelation terms) and secure storage.
· Return-rate monitoring: Guardrails for R01/R07/R10 and other codes; alerts and coaching to stay within thresholds.
· Account validation: Routing/account checks and account-type screening before first debit.
· Risk & cash controls: Per-merchant caps, velocity limits, reserves, delayed funding— dialed to your risk model.
· Audit-ready records: Full payment history, artifacts, and user activity logs for exams and vendor-management reviews.
Not legal advice. Regulations and bank policy vary by program—Liftoff helps you configure controls to your requirements.
Designed for Ops Speed
· One platform, all rails: ACH debit/credit, real-time payouts (no cutoffs), and debit card charges in a single console and API.
· APIs & webhooks: Originate, fund, collect, reconcile, and trigger servicing events from your LOS/CRM.
· Frictionless borrower UX: Branded checkout, bank or card on file, self-serve plan changes, and instant confirmations.
· Reconciliation that makes sense: Clear statuses, return codes, settlement views, and exports your accounting team will love.
Example Flows (Copy/Paste Into Your Playbooks)
1) Instant Funding → Scheduled Debits
Approve → push real-time payment (24/7/365) → set ACH debit schedule → smart retries on R01 → debit-card fallback if consented.
2) Same-Day ACH Disbursement → Revenue-Based Remittance
Fund via Same-Day ACH morning batch → daily ACH debit based on % of deposits → automatic cap when paid off.
3) Past-Due Recovery
Missed ACH debit → send branded link via SMS/email → borrower pays by debit card or bank → auto-post promise-to-pay → resume schedule.
Why Teams Switch to Liftoff Platform
· Industry fit: Built expressly for MCA and lenders; no fighting a “one-size-fits-all” gateway.
· Always-on money movement: Real-time payments with no cutoff times or days for true weekend/holiday funding.
· Rail flexibility: Use the right rail for the job—ACH when cost matters, instant when time matters, debit card when convenience matters.
· Collections expertise: 15+ years of ACH and servicing know-how baked into retries, dunning, and return-rate controls.
· Less swivel-chair: Unified console + API + webhooks = fewer tabs, fewer mistakes, faster cash.
FAQs (MCA & Lending)
Can we fund nights and weekends?
Yes. Real-time payouts run 24/7/365 with no cutoff windows, so you can originate and fund outside bank hours.
Do you support daily/weekly remittances?
Absolutely. Configure ACH debit schedules per program, with smart retries and compliant notices.
What if ACH returns increase?
Liftoff tracks return codes, flags root causes, and helps you adjust authorizations, timing, and fallback rails (e.g., debit card) to bring rates back down.
Can borrowers pay by card?
Yes—charge debit cards (and credit, if enabled) via hosted pages, links, or the virtual terminal.
How fast can we integrate?
Use the dashboard day one. When you’re ready, wire up API endpoints and webhooks to your LOS to automate decisions, funding, and collections.