MCA Underwriting Calculator

Olam Funding LLC — Deal Analysis Tool

⚙ Risk Settings
My Max Holdback / Leverage % Limit
%
10%30%50%
NSF Count — Moderate / High
mod
high
Negative Days — Moderate / High
mod
high
Avg Daily Balance — warn below % of avg revenue
%
Minimum Time in Business (months)
mo
Industry Benchmarks — for reference
Under 20%
Very Conservative
20%–30%
Standard / Safe
30%–40%
Elevated Risk
40%–50%
Aggressive / Stack
Over 50%
High Default Risk
Card Colors
≤ 30%Safe to fund
30–50%Proceed with caution
Over 50%High default risk
🏪 Merchant Info
Business Name
Owner Name
Industry
Time in Business
Credit Score
Avg Daily Balance
$
NSF Count
Negative Balance Days
📊 Monthly Revenue
Select each month and enter total deposits from bank statements
$
$
$
Avg Daily Balance
—
Average Monthly Revenue
—
Revenue Trend
—
Need 2+ months
🏦 Existing MCA Positions
Remaining payments: DataMerch, broker, or count ACH debits on bank statement
Funder NameMonthly PmtRemaining PmtsPayoff Amt
$
$
Total Existing /mo
—
Net Available /mo
—
avg rev − existing
Existing Holdback %
—
of avg monthly rev
Total Payoff to Clear
—
⚙️ New Deal Terms
Choose a calculation method below. Factor Rate, Term, Frequency and ISO Points are shared across all modes — change them freely without affecting the mode inputs above.
Target Holdback / Leverage % of avg monthly revenue
%
1%50%100%
Deal Terms (apply to all modes)
Sell Rate (Factor)
merchant pays this
Buy Rate (Cost)
your cost of funds
# Payments (Term)
Frequency
ISO Points (%)
%
broker commission
Max Suggested Funding Offer
$0.00
Set your holdback target and enter revenue to calculate
📊 Deal Breakdown
Funded Amount
$0.00
Total Payback
—
Factor 1.49
Cost of Capital
—
Daily Payment
—
/ day
Est. Monthly (new deal)
—
Total Monthly Obligations
—
existing + new
Total Holdback %
—
Enter revenue to calculate
Gross Revenue (sell)
—
Cost of Funds (buy)
—
ISO Commission
—
Gross Profit
—
⚪
Enter deal data to see risk assessment.
0%30% your limit50% danger100%
📎 Attached Documents
Attach bank statements, application, voided check, or supporting documents. Files are included when you email or submit the deal.
📁
Click to browse or drag & drop files here
PDF, JPG, PNG, DOC, DOCX, XLS, XLSX  ·  Max 10MB each
⚖️ Decision & Notes
Approve to lock in the deal and record approval conditions. Decline to record a reason. Both appear in the email and PDF.
Notes / Conditions
Ready to move forward? Submit the complete underwriting package to Olam Funding for review and funding.
📋 Deal Actions
Saved Deals — stored in this browser only, reopen anytime on this device
Ready to Fund or Submit a Deal?
Whether you're a business looking for fast capital or an ISO broker building your book — Olam Funding has you covered. Fast approvals · $5K–$500K · Competitive buyrates · Dedicated support
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✉️ Email Deal Summary

No files attached.
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