Z
Zeneth UW Suite
AI-Powered MCA Underwriting

Stop Saying "I'll Check With Underwriting"
Close the Deal Right Now

AI tool that analyzes bank statements and gives real MCA funding estimates in 60 seconds.

When your client asks "How much can I get?" your rep should have an answer instantly — not after calling underwriting.

No credit card required
60s
analysis time
100+
lenders matched
$1
per month analyzed
$0
setup fee ever
How It Works
From bank statement to funding answer in 4 steps
1
Upload Bank Statements
Drag and drop 3–12 months of PDF bank statements. The AI reads every transaction on every page.
2
AI Analyzes in 60 Seconds
Extracts monthly revenue, fixed obligations, NSFs, MCA payments, and net available cash automatically.
3
See Funding Estimate + Lender Matches
Get approval status, estimated funding amount, factor rate guidance, and which lenders will fund — with match scores.
4
Close the Deal on the Spot
Answer your client's question in the meeting. No callbacks. No "let me check with underwriting."
Internal · Sales Rep Analysis
✓ APPROVED
Coastal Kitchen Group LLC
Restaurant · Miami, FL · 4 months analyzed
Gross Revenue/Mo
$82,450
avg last 4 months
MCA Obligations/Mo
$18,200
2 active positions
Net Available Cash
$58,720
after all obligations
NSFs / Neg Days
0 / 1
low risk profile
Estimated Approval Range
$45,000 – $75,000
Factor rate 1.28 · Score 74/100
Matched Lenders (8 of 30)
BizFund Rowan Advance CFG Merchant Mayfair +4 more
Internal Use Only · AI-generated estimate
Score: 74/100
Before vs After
Your reps are losing deals right now
❌ The Old Way
Rep Goes Blank. Client Goes Cold.
✕ Client asks "how much can I get?" — rep has no answer
✕ "Let me send this to underwriting and get back to you"
✕ Client calls another broker who has answers on the spot
✕ Hours spent manually reviewing bank statements
✕ Wasted submissions to lenders who won't approve
✕ Deal lost. Commission lost. Client gone.
✓ With Zeneth UW Suite
Answer in 60 Seconds. Deal Closed.
✓ Upload bank statements — AI analyzes in 60 seconds
✓ Instant funding estimate with range and factor rate
✓ See exactly which lenders will approve and for how much
✓ MCA stacking and NSF risk detected automatically
✓ Only submit to lenders that actually match the file
✓ Rep closes the deal in the meeting. Right now.
Platform Features
Everything your team needs to close faster
📊
Instant Statement Analysis
Upload PDFs → AI extracts revenue, obligations, NSFs, and net cash in under 60 seconds.
🏦
Lender Matching
Auto-matched against 100+ lenders. See who will fund, estimated offer, and factor rate — per lender.
⚠️
Risk Detection
Detects active MCA stacking, daily ACH patterns, NSFs, and negative days before you submit.
📄
Document Upload
Upload bank statements + application docs together. Full picture of what the client needs in one place.
👥
Built for Reps & Underwriters
Reps get instant client answers. Underwriters get deep file breakdowns with payment pattern reports.
📈
Growing Lender Network
New lenders added continuously — always free, always current. Your network grows as the market does.
Live Demo
See Exactly What Your Reps Get
This is a real sample report. Upload 3 bank statements and your rep gets this full breakdown in 60 seconds.
uw.zenethpro.com
🔒 SECURE
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Zeneth UW
⬡ ∞ credits
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Admin
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Lead Info
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Report
Internal · Sales Rep Portal
Deep Underwriting Analysis
Payment pattern detection, MCA stacking risk, net available cash, and factor rate guidance.
✓
APPROVED
Recommended for Funding
Sunrise Restaurant Group demonstrates strong cash flow with $64,820 average monthly revenue, 1 NSF, and a net available cash position of $48,347 after all fixed daily, weekly, and monthly obligations.
Recommended Funding Amount
$48,300
Range: $28,980 – $67,620 · Net cash: $48,347/mo
Underwriting Score
71
Gross Revenue/Mo
$64,820
Total Obligations/Mo
$13,003
Net Available Cash
$48,347
NSF / Overdrafts
1
Stacking Risk
LOW
Suggested Factor Rate
1.28
Recurring Payment Obligations Detected
Daily Payments
2
PayAnywhere POS
3/3 months
$148
daily
Loomis Cash Pickup
2/3 months
$62
daily
Monthly Total$4,620
Weekly Payments
3
Sysco Foods
3/3 months
$1,240
weekly
Clean Earth Linen
3/3 months
$318
weekly
Cintas Uniforms
2/3 months
$145
weekly
Monthly Total$7,339
Monthly Payments
4
OpenTable Pro
3/3 months
$449
monthly
Toast POS
3/3 months
$165
monthly
Heartland Payroll
3/3 months
$241
monthly
Monthly Total$855
Total Monthly Obligation Summary
Daily (×22)
$4,620
Weekly (×4.3)
$7,339
Monthly Fixed
$855
Total / Month
$12,814
✓
Low Stacking Risk
No MCA lender payment patterns detected. Daily debits are POS processing (PayAnywhere) and cash logistics (Loomis) — not MCA repayments. No Yellowstone, Libertas, OnDeck, Kabbage, or other known MCA lender debits identified.
Recommended Lenders — Based on This File
Kapitus
A-BSTRONG
$77,784 est. max
✓ Revenue 4x the $15K minimum
✓ NSFs within tolerance
✓ No stacking detected
⚠ Verify 1 year TIB
Forward Financing
B-CSTRONG
$93,422 est. max
✓ Revenue exceeds $10K minimum
✓ NSFs within 5 allowed
✓ No stacking — clean file
✓ 6 month TIB minimum
Alt. Funding Group
B-CLIKELY
$74,820 est. max
✓ Revenue 2x the $30K minimum
✓ Avg daily balance above $1,000
⚠ Verify 12 month TIB
Fora Financial
B-CLIKELY
$93,422 est. max
✓ Revenue far exceeds $12K minimum
✓ NSFs under 5 limit
⚠ Verify 6 month TIB
🔒 This is a demo report. Sign up free to analyze real bank statements.
No credit card · No setup fee · Instant access
Pricing
Simple Pay-As-You-Go Pricing
1 credit = 1 month of bank statements analyzed
Upload 3 months = 3 credits · Upload 12 months = 12 credits
$10
10 Credits
$1.00 / month analyzed
Most Popular
$50
65 Credits
$0.77 / month analyzed
$250
300 Credits
$0.83 / month analyzed
✓ 5 free credits on signup — no credit card
✓ No monthly fee — ever
✓ Credits never expire
✓ Zero setup fee
No credit card required
Stop losing deals because your reps do not have answers.
Give them underwriting power in real time.
✓ No credit card  ·  ✓ No monthly fee  ·  ✓ 5 free credits instantly
⚠ AI DISCLAIMER: All analysis outputs are AI-generated for preliminary screening purposes only and do not constitute a formal underwriting decision, lending commitment, or guarantee of funding. All results must be verified by a qualified professional. Zeneth Pro LLC disclaims all liability.
© 2025 Zeneth Pro LLC · Zeneth Underwriting Suite · reuben@zenethpro.com

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Zeneth Underwriting Suite
Available Credits
—
1 credit = 1 month of statements · Buy credits →
Total Analyses
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Approved
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📊
AI Underwriting Analysis
File Analysis Portal

Upload bank statements (3–12 months) + application documents. Get a full AI underwriting breakdown — revenue, obligations, stacking risk, factor rate guidance, and which of our 100+ lenders will fund the deal and for how much.

⬡ 1 credit per month of statements analyzed
Open Portal →
Recent Analyses
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Credit Packages

One credit = one month of bank statements analyzed. Upload 3 months = 3 credits. Credits never expire.

✓ Every new account receives 5 free credits on signup — no credit card, no setup fee required.

Payments are processed securely via Stripe. Credits are added manually within 1 business hour after payment confirmation.

Include your account email in the payment note so we can identify your account.

Client Pre-Qualification

MCA Pre-Qualification Portal

Upload 3 months of bank statements for an instant AI analysis. All fields are optional — only the PDFs are required.

01
Business
02
Owner
03
Upload
04
Results
Business Information
Owner Information
Soft check only · no credit impact
Bank Statement Upload
Encrypted
AI-analyzed
Never stored
⬡ Uses 1 credit

Upload your 3 most recent complete months of business bank statements. PDF only · all pages required.

📄✓
Most Recent
Drag or click
📄✓
2 Months Ago
Drag or click
📄✓
3 Months Ago
Drag or click
📅
Month-to-Date Statement Optional
Current Partial Month
AI will project current month revenue alongside the 3 full months
✓
Please upload all three bank statement PDFs.
Analyzing Statements

Reading every transaction, removing personal deposits, calculating qualifying revenue.

Reading bank statements
Extracting deposit transactions
Filtering non-business income
Calculating net business revenue
Scanning for NSFs and overdrafts
Computing qualification score
Calculating funding estimate
Saving results

Estimated Funding Qualification
—
Pre-Qualification Score0
Gross Deposits/Mo
—
Net Business Revenue
—
Excluded (Non-Biz)
—
NSF / Overdrafts
—
Avg Deposits/Mo
—
Cash Flow Health
—
Monthly Breakdown — Business Income Only
MonthGross DepositsNon-Business RemovedNet Revenue
Non-Business Income Excluded
AI Underwriter Analysis

Next Steps
Disclosure: This pre-qualification is an AI estimate. It does not constitute a guarantee of funding. Final approval subject to full underwriting review.
Internal · Sales Rep Portal

Deep Underwriting Analysis

Payment pattern detection, MCA stacking risk, net available cash, and factor rate guidance.

01
Lead Info
02
Upload
03
Report
Lead Information
Bank Statement Upload
Internal only
Full pattern detection
⬡ Uses 1 credit

Upload 3–12 months of bank statements. Drag and drop multiple PDFs at once or click to select. More months = more accurate recurring payment detection.

📂
Drag & Drop PDFs Here
Or click to browse · Multiple files supported · Up to 12 months
⚡ If a single PDF contains multiple months, the AI detects each month and charges accordingly (1 credit per month).
Please upload at least 3 bank statement PDFs (minimum 3 months required).
Running Underwriting Analysis

Detecting payment patterns, calculating obligations, assessing stacking risk.

Initializing...
Parsing all transactions
Identifying gross deposits by month
Removing non-business income
Detecting daily recurring payments
Detecting weekly recurring payments
Detecting monthly fixed payments
Calculating net available cash
Assessing MCA stacking risk
Finalizing underwriting report

Recommended Funding Amount
—
Underwriting Score0
Gross Revenue/Mo
—
Net Business Revenue
—
Total Obligations/Mo
—
Net Available Cash
—
NSF / Overdrafts
—
Suggested Factor Rate
—
Monthly Breakdown
MonthGross DepositsNon-Biz RemovedNet RevenueNSFs
Recurring Payment Obligations Detected
Daily Payments0
Monthly Total—
Weekly Payments0
Monthly Total—
Monthly Payments0
Monthly Total—
Total Monthly Obligation Summary
Daily (×22)
—
Weekly (×4.3)
—
Monthly Fixed
—
Total / Month
—
Credit Card Payments DetectedReference only — not counted in obligations
Non-Recurring TransactionsOne-time or sporadic — not counted in obligations
Non-Business Income Excluded
AI Underwriter Report

Factor Rate & Pricing Guidance
Internal Use Only: AI analysis for rep use. Verify all patterns before funding. Factor rates are starting guidance only. Lender matches are estimates based on published criteria — always verify current requirements directly with each lender.
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Platform Settings
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🏦 Lender Intelligence Suite
30 lenders · Real underwriting criteria · Instant deal matching
Deal Profile
Filter Results
Enter a deal profile on the left to see lender matches
LENDER TIER MIN REV MIN FICO MIN TIB MAX FUND FACTOR MAX TERM MAX POS MAX NSF PRODUCT
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