MerchantScan
How it Works Benefits Funding Options Evaluation
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Free Financial Health Check

Master Your Business Cash Flow & Health

Get an instant, AI-powered analysis. Understand your funding potential in minutes, not days.

Estimate Funding

AI Active
$79,000
$10k $500k+
1 year
6 mo 10+ yrs

No credit check required • Instant Estimate

Unlock Your Estimate

Enter your email to reveal your funding power instantly.

Start Your Financial Health Check

Last 3 Months

Click to upload

PDF (Max 10MB)

Bank-Grade Security
Lender Intelligence

See What Lenders See

We reverse-engineer the underwriting process to show you exactly where you stand before you apply.

0 Score

Business Health Score

You rank in the Top 35% of businesses. Your cash flow consistency is a strong signal for premium offers.

Funding Ready
0 %
Approval Accuracy

Our AI matches lender criteria with high precision.

0 h
Avg Turnaround

Get actionable insights in under 24 hours.

+12%
Monthly Revenue
$0
Stable
Monthly Deposits
0
Healthy
Avg Balance
$0
Action
NSF Events
0
Simple Process

From Upload to Funded

We've streamlined the process into four simple steps.

1

Upload Data

Securely upload PDF bank statements or connect your account instantly.

2

AI Analysis

Our engine categorizes cash flow and detects risk factors instantly.

3

Get Score

Receive your health score and actionable improvement tips.

4

Get Funded

Match with funders who fit your profile when you're ready.

Why MerchantScan?

Empowering Your
Financial Future

Running a business is hard; understanding your finances shouldn't be. We bridge the gap between your bank data and funding opportunities.

  • Instant, AI-driven analysis of your cash flow
  • Match with lenders who understand your business

Financial Clarity

Stop guessing. Get a crystal-clear picture of your business health with our detailed, bank-grade analysis.

Timely Funding

Opportunity doesn't wait. Access funding exactly when you need it, with rates that support your growth.

Business Growth

Scale confidently. We provide the financial roadmap and resources you need to expand your operations.

Unlock A World of Funding Confidence

Gain the insights you need to navigate the financial landscape with certainty.

Access Lower Cost of Capital

Stronger cash-flow discipline and clean bank behavior qualify you for better factor rates and APR bands.

Grow With Confidence

Track your inflows, outflows, and seasonality to plan expansion and avoid cash crunches.

Increase Approval Odds

Merchants with transparent, consistent data get pre-approved faster and for higher limits.

Understand True Revenue

Distinguish real business income from transfers or loan inflows—build lender trust.

Reduce Funding Stress

Predict upcoming dips or negative-balance days and plan short-term relief before they happen.

Build Lender Relationships

Strong performance history and clean data keep you top-tier for repeat funding.

Start Free Financial Health Check

Secure & Confidential. No SSN or EIN required.

Small Business Funding Options

We match your business profile with lenders who are looking for businesses just like yours.

Short-Term Loan

6-24 Months

Quick capital for immediate needs like inventory or marketing. Fast approval process.

Best for: Quick ROI

Long-Term Loan

3-10+ Years

Extended terms with lower monthly payments. Requires stronger documentation.

Best for: Major Assets

Line of Credit

Revolving

Flexible funds you can draw from as needed. Pay interest only on what you use.

Best for: Cash Flow Gaps

Merchant Cash Advance

Daily/Weekly

Repayments tied to daily sales volume. Fast approval, flexible payment structure.

Best for: Speed & Flexibility

Frequently Asked Questions

No confusion. Everything you need to know about the MerchantScan health check.

Yes, absolutely. We use bank-grade 256-bit encryption to process your statements. Your data is used solely for the purpose of generating your financial health score and is never shared with third parties without your explicit consent.
No. This is a soft inquiry based on your business bank statements, not a personal credit check. Generating your health score has zero impact on your FICO score.
Our AI analyzes your uploaded statements in real-time. You typically receive your comprehensive health report via email within minutes of submission.
We accept PDF bank statements (digital or scanned) as well as standard image formats (JPG, PNG). For best results, we recommend original PDF statements downloaded directly from your bank.