AI Agents for Merchant Cash Advance
Businesses win contracts, sign new leases, pull permits, and staff up for a season every day — and each of those creates a working-capital need with a short window attached.
Our AI agents watch for those events as they happen, qualify the merchant against what you actually fund, and put the deal in front of your team while the need is still open.
Built around your funding box, your verticals, and your CRM. Explore the six agents
Illustrative example — not live data. The merchants and timings below are fictional demonstrations of what the interface shows, not findings.
| Merchant | Event detected | Age |
|---|---|---|
| Vista Grill Group Restaurant | Second location permit filed | 2h |
| Redline Freight Trucking | Won a multi-year haul contract | 6h |
| Copper Lane Retail | Hiring 12 seasonal staff | 1d |
| Harbor Point Builders Construction | Awarded a municipal contract | 3d |
Age is time since the event was detected.
Aged lists, recycled UCC pulls and shared data all describe the same merchants to the same funders. The difference between a funded deal and a dead one is usually who called while the need was still live.
Each one watches a different class of public event and reports what it means for your funding box. Build one, or build the set.
Detect merchants opening a second site, signing a larger lease, or building out an existing one — the point at which fit-out and inventory outrun cash flow.
Outcome Merchants with a dated, documented expansion and a near-term working-capital need.
Find businesses that have just won work they must perform before they get paid — the classic gap between award and first invoice.
Outcome Merchants with contracted revenue ahead of them and a funding gap in front of it.
Identify merchants adding staff faster than their receipts are likely to have caught up, where payroll lands before the revenue it produces.
Outcome Merchants carrying new payroll weight, timed to when the pressure actually lands.
Track the point in each vertical’s year when merchants buy inventory and staff up ahead of their peak, weeks before the revenue arrives.
Outcome A dated calendar of when each merchant in your verticals is most likely to need capital.
Surface newly formed and newly licensed businesses as they cross the thresholds that make them fundable, rather than months later.
Outcome Merchants reaching the time-in-business and licensing thresholds your box requires, flagged on the date they qualify.
Work out when merchants already in your CRM are approaching the end of their current position, so your own renewal conversation happens before anyone else’s.
Your own book only. This agent runs against merchants in your CRM. It does not identify or target merchants holding another funder’s position, and nothing on this page is built to do that.
Outcome Renewal conversations timed off your own portfolio data — the natural handoff to MerchantReach AI.
Pick a funding signal. This is the shape of what reaches your reps — the event, where it came from, why it means capital, and a first line that is not a cold open.
Illustrative example — not live data. This merchant and score are fictional demonstrations.
Fit 91demonstration score out of 100
Restaurant group · 3 locations · 7 years in business
Saw the permit for the Riverside site. Most multi-unit operators we talk to are covering fit-out and opening inventory weeks before that location rings a sale — happy to show you what terms look like at your volume.
Imagine your reps starting the day with merchants who did something yesterday, not a list everyone bought.
Build My Merchant Sourcing AgentSix stages, each with a human-reviewable output. Every merchant is a prospect to contact — not an approval, a decision, or an offer.
Agents watch permitted public sources — permits, licences, awards, postings — for events that create a working-capital need.
The underlying record is checked and kept with the merchant, so a rep can see exactly what triggered the opportunity.
Merchants are screened against your funding box — vertical, time in business, geography, size — before a rep ever sees them.
Identify the owner or decision-maker and add contact detail from approved sources.
Draft an opening that references the actual event, for a human to approve before anything is sent.
Sync the merchant, the evidence and the follow-up task into your CRM so nothing depends on a spreadsheet.
Each integration is scoped and built for your environment as part of the engagement — these are the platforms we work in, not a list of preconfigured connectors. See our integration services.
Every vertical needs capital for different reasons and on a different clock. Pick one to see the pairing.
Data you buy is data your competitors bought. An agent built around your funding box, your verticals and your CRM is yours.
Time in business, monthly volume, vertical, geography, position preference — the qualification rules are yours, so reps stop burning hours on merchants you were never going to fund.
Merchants arrive in the system your team already works in, with the triggering event attached. CRM CoPilot handles qualification and routing where you want it.
New merchants come from these agents; the merchants you already funded are worked by MerchantReach AI, which drafts outreach from your own CRM history. Two halves of the same pipeline.
Every merchant keeps the public record that surfaced them and a confidence indicator, and no outreach sends without review. You can always see why a merchant was flagged.
For funders deploying their own capital and for ISOs and brokers placing deals, the agents are the same — the funding box and the routing are what we configure differently. We also build the underlying AI and integration work directly: see our AI development services.
A working session on which signals are realistic for your box and your verticals — and which ones are not worth building.
Prefer to book directly? Pick a time for an AI Agent Strategy Session.
We use your details to respond to this request. No merchant, portfolio or underwriting data is collected on this form.
The events that create a funding need are public, dated, and happening right now. The only question is whether your team hears about them while the need is still open.