MERCHANT AI
Why spend hours underwriting merchants? With VantedgeAI, it happens in minutes.
Fund faster. Win more deals.
An end-to-end, OCR & AI-Agentic workflow that scans, extracts and analyzes merchant application forms & their bank statements - flags risks, computes metrics, and standardizes decisions - faster and cleaner than manual review.
Lower Defaults
Live Dashboard Preview
Real-time underwriting insights
How It Helps
Speed wins deals. Automation cuts costs. Clarity drives confident funding. Be the first to fund the right opportunity.
Extract & Analyze
Upload 3+ months of bank PDFs. We auto-extract (OCR) and structure the data - all bank statement formats supported.
KYB and KYC
KYB: Global KYB validation—verify legal entity, UBO ownership, and company registries with sanctions/AML screening and ongoing monitoring. KYC: Instant KYC verification—ID/document validation.
Highlight What Matters
Merchant AI spots revenue patterns, seasonality, and suspicious activity. You see the signals, not the noise.
Detect Risk in Seconds
NSFs & overdrafts, Phantom deposits & round-tripping, Loan stacking & abnormal repayments, Cash flow volatility detection.
Shareable Reports
One-click underwriting reports ready to use team members for quick funding calls.
For Your Team
Cut review time by 80%+, Catch risky merchants before they slip through, Standardize underwriting across staff and ISO partners, Approve with confidence, faster.
Turn bank statements into decision-ready packs in minutes
Merchant AI identifies real revenues, flags NSFs, funder stacking, phantom revenues, negative balances, ACH pulls, and anomalies that are not visible in bank statements to untrained eyes, automatically, so your team moves faster with consistent, audit-ready reviews.
How Merchant AI Fits in Your Workflow
Plug in at any step - intake, analysis, approvals, and ongoing monitoring - without changing how your team works.
Email-to-Underwrite
Forward statements & applications to your secure alias - MerchantAI parses, flags risk, and builds a decision-ready dashboard & file.
Web-Based Submission
Secure browser uploads with instant, fraud-aware underwriting - faster and cleaner than manual review.
Excel Template Integrated
Your spreadsheet formats, our pipeline-mapped, validated, and ingested automatically with audit-ready checks.
Plug-In Integrations
Connect CRM, LOS/LMS, LGS, DMS, accounting, and KYB/KYC via API & webhooks - keep systems in sync automatically.
Collaborative Deal Workflow
Assign, comment, and approve with roles, SLAs, and an audit trail - through final funding.
Ongoing Monitoring
Track cash-flow shifts and repayment burden with proactive alerts and portfolio health scores.
How It Works
Turn raw bank statements into verified signals - so you price accurately, approve confidently, and reduce defaults.
1.
Upload or email bank statements and merchant application
Any format — PDFs, Word, XLS are fine.
2.
AI reviews, flags, and summarizes
Risks, trends, and anomalies surfaced instantly.
3.
Decision-ready underwriting report
Shareable with funders and syndicates instantly.
Underwrite faster, smarter, safer.
With verified AI signals - you price the merchant advances accurately, approve confidently, and reduce defaults.
Lower Defaults: Catch phantom revenue, stacking, and tampered statements before funding.
Minutes to Decisions: Go from upload to decision-ready packages in minutes, not days.
Accurate Advance & Pricing: Size advances on True Deposits and repayment capacity - avoid inflated totals.
Consistent, Explainable Decisions: Standardized scoring and alerts reduce subjectivity and improve fairness.
Higher Throughput: Handle more applications without adding headcount.
Fewer Callbacks: Clear alerts with evidence reduce back-and-forth and speed up files.
Portfolio Quality Lift: Cleaner originations lead to stronger risk-adjusted yield over time.
Audit-Ready Transparency: Traceable signals and reason codes for internal/external reviews.
Stronger Partner Trust: Faster SLAs and cleaner decisions for ISOs and merchants.
Trusted by Industry Leaders
Our AI solutions help funders, brokers and ISOs transform their operations. Achieve unprecedented growth through intelligent automation that are operational 24/7.
“MerchantAI cut our underwriting time by 70% while surfacing risks our team missed. It's like having the smartest underwriter, on autopilot - 24/7.”
- CEO, Mid-market Direct Funder, NY
“Every file comes underwritten the way we want it in our template, much faster. No new processes to learn. Approvals are therefore quick, and we're funding more merchants.”
- VP, Underwriting, FL