AI FOR MCA BROKERS AND FUNDING OFFICES · DONE FOR YOU BY ASTRA AI First to call gets the file. Your team never sleeps.
Astra AI designs, installs and runs a team of 19 AI agents built for funding offices. Your people quote, submit and decide. Your team does the chasing, the packaging and the follow-up.
Here is where deals slip out of a funding office.
- Slow replies. A business owner who fills out a form often fills out three. The first to reach out usually gets the file. A form that comes in at 8 pm can be answered by 9 pm.
- Missing statements. Bank statements, ID and a voided check sit uncollected while the lead cools off.
- Messy submissions. A file sent to the wrong funder, or with pages missing, comes back slow or declined.
- Silent renewals. Funded merchants who could be refunded never hear from anyone.
- Commission fog. Staff chase funders for status and for payment. The owner cannot see which deals are owed.
Your reps should be talking to merchants, not chasing PDFs.
Why we built it like a team
We build software that gives AI a memory. That is what MIND is.
One AI doing one giant job is not a team. It answers leads, reads statements and chases signatures, and it has no clear boss for any of it. A real office has roles. The person who collects statements is not the person who checks compliance. And they all share one file on every merchant.
So we design it like a careful office. Nineteen roles. A clear owner for each task. One shared memory, so the agent that asks for a bank statement and the agent that answers a status question know the same things.
In funding, one wrong sentence to a merchant can become a legal problem. So each role gets its own account and its own permissions, set up on purpose. Giving every agent the keys to everything is how you get a mess.
A person approves anything that quotes, signs, submits or decides. You run the business. We build the team, we run it, and we keep it running.
Meet your AI team
Get New Clients
- Speed-to-Lead Agent: Replies to every web form, chat and text lead in minutes and asks the first plain questions. Works in: MCA Track, MCA Suite, ConvergeHub ISO Broker CRM, Ncrypted, Salesforce, HubSpot, your text tools. You approve: Reply template, once. No pricing in the first reply.
- Merchant Qualifier: Learns time in business, monthly deposits, industry, existing advances and what the money is for, then sorts the lead by fit. Works in: Your CRM. You approve: A sales rep takes the file. The agent pulls no credit and makes no offer.
- Lead List Research Agent: Builds target lists from public records and your own data and drafts first-touch notes. Works in: Public sources, your CRM, email. You approve: You approve the list and the wording. No texts without consent on file.
- Referral Partner Agent: Keeps the list of CPAs, equipment dealers, payment processors and other partners, logs who sent what and drafts thank-yous. Works in: Your CRM, email. You approve: Templates, once. Partner payment terms stay with you.
- Reviews and Reputation Agent: Asks funded merchants for feedback, sends complaints to you before any public reply and drafts public replies. Works in: Google Business Profile, email, text. You approve: Every public reply, before it posts.
Win the Deal
- Application Starter and Booking Agent: Sends the application link, books the rep call and sends reminders. Works in: Your CRM, Google Calendar, Outlook. You approve: A rep runs the call.
- Statement Collection Agent: Asks for bank statements, ID, a voided check and processing statements, and chases by text and email until the file is complete. Works in: Your CRM, a secure upload link, email, text. You approve: A rep takes over after three tries.
- Statement Review Agent: Summarizes deposits, returned items and existing daily or weekly debits into a one-page note with flags. Works in: Bank statement PDFs, your CRM. You approve: An underwriter or rep decides. The note is a summary, not a decision.
- Funder Match and Submission Agent: Packages the file in each funder’s required format and lists which funders fit it by your own rules. Works in: Your CRM, funder portals, email. You approve: A rep approves every submission before it goes out.
- Offer Disclosure Prep Agent: Fills in the state disclosure data fields from the funder’s offer, for states that require them. Works in: Funder offer documents, your CRM. You approve: A rep checks it against the funder’s disclosure form. The agent drafts fields only.
- Contract and E-Sign Chaser: Follows up on unsigned contracts and missing verification steps. Works in: The e-sign tool your funder uses, your CRM, text, email. You approve: A rep sends the contract. The agent only reminds and never describes terms beyond the contract.
Serve and Keep Clients
- Funding Status Agent: Tells the merchant, in plain words, where the file stands, using only what your CRM and the funder updates show. Works in: Your CRM, text, email. You approve: Templates, once. Nothing that hints at an approval before the funder decides.
- Renewal Watch Agent: Lists funded merchants who have reached the point a funder allows a renewal and drafts a note to the rep. Works in: Your CRM, funder reports. You approve: A rep decides whether to offer anything, and what. The timing comes from each funder agreement.
- Merchant Support Agent: Answers payment schedule and "who do I contact" questions by text, chat or email, from the contract and your notes in MIND. Works in: Your text and chat tools, your CRM, MIND. You approve: Disputes, hardship and legal questions go to a person. You review transcripts weekly.
- Complaint and Dispute Triage Agent: Logs each complaint with the date, topic and what the merchant says happened, then sends it to you. Works in: Your CRM, email, MIND. You approve: You answer. The agent never argues and never promises.
- Reactivation Agent: Writes to past merchants and to files that went quiet. Works in: Your CRM, email. You approve: You approve the list and the note.
Back Office and Owner
- Compliance Watch Agent: Keeps the disclosure log by state, registration reminders and the consent log, and checks marketing claims against the funder’s contract. Works in: Your CRM, MIND. You approve: Your compliance lead (often you) reviews every flag.
- Commission and Reconciliation Agent: Matches funder commission statements to the deals you submitted and lists what is owed or short. Works in: Your CRM, spreadsheets, email. You approve: You or your bookkeeper approve any dispute with a funder.
- Owner Briefing Agent: One page each morning: leads, stuck files, offers out, renewals due and commissions owed. Works in: Your CRM, MIND. You approve: You read it. Nothing happens without you.
How the agents work together
- Lead to submission: Web lead → Speed-to-Lead Agent → Merchant Qualifier → Application Starter and Booking Agent → Statement Collection Agent → Statement Review Agent → Your rep → Funder Match and Submission Agent → Your rep approves
- Offer to funded: Offer received → Offer Disclosure Prep Agent, a person checks → Contract and E-Sign Chaser → Funding Status Agent → Commission and Reconciliation Agent
- Funded to renewal: Deal funded → Reviews and Reputation Agent → Renewal Watch Agent → Your rep decides → Application Starter and Booking Agent
- The complaint path: Merchant complains → Complaint and Dispute Triage Agent → You answer → Compliance Watch Agent logs it
- Everything remembered: Every agent reads and writes one merchant record in MIND → The Merchant Support Agent knows what the Statement Collection Agent already asked
A day with your team
- 7:00 am Owner Briefing Agent leaves your page: leads, stuck files, offers out, renewals due.
- 8:00 am Speed-to-Lead Agent has answered the leads that came in overnight.
- 10:00 am Statement Collection Agent texts three merchants about missing bank statements.
- 11:30 am Statement Review Agent hands a rep a one-page summary with flags.
- 1:00 pm Funder Match and Submission Agent packages a file. The rep approves it.
- 3:00 pm Contract and E-Sign Chaser reminds two merchants to sign.
- 5:00 pm Renewal Watch Agent lists merchants who may be due for a renewal offer. The rep decides.
- 7:00 pm Merchant Support Agent answers a payment schedule question by text, from the contract.
- 9:00 pm Compliance Watch Agent logs the day’s disclosures and flags one draft for review.
Works with what you use
MCA Track, MCA Suite, ConvergeHub, Ncrypted, Salesforce, HubSpot, Google Calendar, Outlook, Google Business Profile. Runs on the AI you already use: Grok Bot, Muse, Dots, Hermes, OpenClaw or Claude.
How deep each tool connects is scoped on your call.
Built for merchant cash advance and small business funding rules
- State disclosure laws: several states, including New York and California, require financing disclosures at the time of an offer. The Offer Disclosure Prep Agent drafts the fields from the funder’s offer and a person checks them. The Compliance Watch Agent keeps a log by state. Rules differ by state.
- California: offers to California merchants wait for the signed disclosure. Agents never describe the cost in their own words.
- Registration: some states require providers and brokers to register. The Compliance Watch Agent shows registration status and reminds you of dates. A person registers.
- No misleading claims: agents never say "no personal guarantee" or "no collateral," and never state a funded amount, unless the contract says so. The Compliance Watch Agent checks drafts against the contract.
- Texts: marketing texts to business owners need consent on file. A purchased list is not consent. Opt-outs stop all agents at once.
- Declines: agents never tell a merchant "declined." The Compliance Watch Agent logs the date a completed file is received.
- Licensed people decide: the agents prepare, draft, chase, flag and report. A person quotes, signs offers, submits and decides.
- This is not legal advice. Your counsel makes the final call on your rules, and rules in other states are checked per state when we scope your team.
What it is worth, and what it costs
- Front Desk and Lead Response Team ($5,023.06/mo): Answers every merchant, starts the application and answers status questions. Receptionists $18.27/hr x 173 hrs x 100% = $3,160.71. Customer service representatives $21.53/hr x 173 hrs x 50% = $1,862.35.
- Underwriting Prep Desk ($3,383.88/mo): Reads statements and preps the funder match. The closest Bureau of Labor Statistics role is insurance underwriters, used as a stand-in. Insurance underwriters (closest match) $39.12/hr x 173 hrs x 50% = $3,383.88.
- Processing and Admin Team ($4,018.79/mo): Collects statements, chases signatures and sorts complaints. Secretaries and administrative assistants $23.23/hr x 173 hrs x 100% = $4,018.79.
- Marketing and Partner Desk ($3,108.81/mo): Works lists, partners, renewals and past merchants. Public relations specialists $35.94/hr x 173 hrs x 50% = $3,108.81.
- Compliance Watch ($3,357.07/mo): Screens offers and messages against state disclosure and contact rules. Compliance officers $38.81/hr x 173 hrs x 50% = $3,357.07.
- Commission Reconciliation and Reporting ($2,107.14/mo): Matches commissions to funded deals and briefs the owner. Bookkeeping, accounting and auditing clerks $24.36/hr x 173 hrs x 50% = $2,107.14.
- Industry Architecture and Agent Design ($1,958.80 one-time): Choosing the 19 roles, the handoffs and the approval points for your office. Management analysts, 40 hrs x $48.97.
- Integration and MIND Memory Build ($5,155.20 one-time): Connecting your software, calendar, forms and email, and loading your contacts and history into MIND. Software developers, 60 hrs x $64.44 = $3,866.40, plus 20 hrs x $64.44 = $1,288.80 for the memory load.
- Prompt and Routine Library ($1,738.40 one-time): The scripts, message sets and daily routines every agent runs. Technical writers, 40 hrs x $43.46.
- Compliance Guardrail Build ($931.44 one-time): Consent logging, Do Not Call scrub steps, opt-out handling and state disclosure checks on every offer. Not legal advice. Compliance officers, 24 hrs x $38.81.
- Compliance Review ($620.96 one-time): One outside-in read of the guardrails against state disclosure rules, because the rules differ by state. Compliance officers, 16 hrs x $38.81.
Total value: $31,403.55. $2,500/month · AI running costs billed at cost · cancel any time
Value is what it would cost to hire the closest roles at national median pay (U.S. Bureau of Labor Statistics, May 2025), at the share of a full-time role the agents cover. One-time lines use the same wages as a low stand-in for consultant time. It is not a promise of results.
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Who it is for
- ISOs, brokers and small funders with steady leads and a real backlog of chasing and follow-up.
- Owners who want to approve what matters.
- Shops with a compliance lead, even if that is the owner.
Who it is not for
- Anyone who wants an AI to approve or decline merchants, set pricing, or tell merchants what to sign.
- Anyone looking for a free trial, a refund or a guarantee of results. We do not offer any of them.
- Anyone who plans to send texts without consent.
Frequently asked questions
How do MCA brokers use AI to work MCA leads?
Most MCA and small business funding offices start with one AI tool, like a chatbot or a writing assistant. The bigger gain comes from a team: 19 agents that each own one job, such as answering MCA leads in minutes, collecting bank statements, packaging clean submissions and sending renewal reminders. They share one memory in MIND, so nothing restarts from zero. Astra AI designs that team for your office, installs it on the AI you already use and runs it every month. A licensed person on your team approves offers and terms.
What does the AI cost to run?
The $2,500 a month is our management fee for designing and running your team. What the AI itself costs to run is billed separately, at what the provider charges. We show you the figure before you start.
Do I have to switch my CRM?
No. Your team works in what you already use. We confirm access to each tool when we scope your team.
What about state disclosure laws like New York and California?
The team drafts the disclosure fields from the funder’s offer and a person checks them. It keeps a log by state. Rules differ by state, so your counsel signs off on the setup. This is not legal advice.
Will it text merchants?
Only where you have the right consent on file. A purchased list is not consent. Opt-outs stop every agent.
What about merchant data and security?
Each agent gets its own account and only the access its job needs. We do not promise that any system is unbreakable.
Which AI agent do you use?
We work with any AI agent you already use, including Grok Bot, Muse, Dots, Hermes, OpenClaw and Claude. We pick the right setup for your shop.
Does it replace my reps?
No. It takes the chasing, the packaging and the reminders so your reps spend their time on merchants and decisions.
Who owns my data?
We go over what is stored, where, and what happens if you cancel on your first call, before you commit to anything.
How fast is setup?
We give you a dated plan on your first call.
Is there a free trial or a refund?
No. We do not offer free pilots, refunds or guarantees. We scope your team on a call first so you know what you are buying. You can cancel any time.
See the team we would build for your funding office.
Enter your email and pick a time. We will show you which of the 19 roles fit your office.
$2,500 a month management fee. What the AI itself costs to run is billed separately.