Merchant Cash Advance

Maintain speed, improve consistency and reduce decisioning volatility across merchant cash advance portfolios with CRS data.

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  1. 01Generate LeadsLeadsIQ
  2. 02Qualify LeadsOffersIQ
  3. 03Access FICO or Vantage withSoft or Hard Inquiries

CRS is the data platform behind Merchant Cash Advance (Revenue Based Financing)

Merchant Cash Advance and revenue based financing exist to solve one thing traditional lending struggles with: speed. Merchants need capital quickly, decisions happen in high volume funnels, and providers cannot afford to rely on gut feel or self reported revenue alone.

CRS delivers verified, standardized credit and business signals that plug directly into MCA workflows, helping providers accelerate funding decisions while maintaining underwriting integrity. MCA providers consistently value CRS verified credit data over self reported inputs because it provides a clearer view of merchant creditworthiness and reduces exposure to misrepresentation and fraud.

Trusted by

  • Money Thumb
  • Onyx IQ
  • RiseFi
  • CAPTAP

01

Generate LeadsLeadsIQ

CRS enables underwriting and commercial data furnishing specifically designed for the MCA ecosystem. By integrating credible credit data directly into MCA workflows, CRS helps providers accelerate funding decisions while maintaining underwriting integrity in a high-volume environment.

LeadsIQ · Happy Capital
Scoring model
Vantage
Credit score
620–680
Segment
Subprime
State
CA, AZ, NV
consumers matched your criteria
24,318

19.8s count

  • 01.1Define your ideal MCA borrower with precise inclusion and exclusion filters across business signals, personal credit profile, and industry vertical
  • 01.2Reach the right business owners faster with weekly refreshed intelligence that surfaces newly qualified prospects as their profiles change
  • 01.3Improve conversion rates by targeting higher-likelihood responders who match the funding profile of your best historical deals

02

Qualify LeadsOffersIQ

MCA providers consistently value CRS’s verified credit data over self-reported revenue information, gaining a more accurate view of merchant creditworthiness and reducing exposure to misrepresentation and fraud.

Using a pre-approval mechanism, OffersIQ enables teams to:

Rule set - TIER_A_THIN_DEBT

Sandra Bowker - TransUnion - 2026-08-20

  • score_band=<680
  • unsecured_debt<18,000
  • student_loansexcludetrue
  • inquiries_6mo<=3
  • 02.1Preapprove business owner applicants against personal credit criteria alongside business signals, with a soft inquiry that does not affect their score
  • 02.2Route applicants to the right MCA product, factor rate tier, or partner in real time based on fit
  • 02.3Reduce FCRA workflow costs that compound across high-volume MCA pipelines, where applicant quality varies widely and speed to funding is the differentiator

03

Access FICO or Vantage withSoft or Hard Inquiries

CRS provides comprehensive access to traditional soft and hard credit report data from all three major credit bureaus, Equifax, Experian, and TransUnion, enabling brokers and lenders to render immediate, informed credit decisions. Our solutions are designed to support efficient underwriting workflows while maintaining full compliance with permissible purpose requirements.

CRS also offers both FICO and Vantage score models, along with enhanced data attributes such as MLA checks, OFAC screening, Income Insight Scores, and identity verification solutions. These supplemental data elements can be customized and curated at the time of each credit request, allowing clients to tailor their credit pulls to meet specific risk, compliance, and operational needs.

Console
"requestData": { "firstName": "J"
"lastName": "SMITH"
"middleName": "FRANK"
"ssn": "666321234"
"addresses": [
"borrowerResidencyType": "Current"
"addressLine1": "1234 ELM STREET"
"city": "SPRINGFIELD"
"state": "IL"
"postalCode" : "62704"
] } , "repositoryIncluded": { "transunion": true,
"experian": false, "equifax": false } ,
"responseDetail": { "dateRequested":
  • 03.1Access to Experian, TransUnion and Equifax via one API
  • 03.2FICO and Vantage Score access
  • 03.3Faster underwriting and funding decisions
  • 03.4Improved risk assessment and reduced defaults
  • 03.5Greater transparency and regulatory alignment
  • 03.6Operational efficiency at scale

CRS Advantage

Technology

Unified data infrastructure

A single integration layer for credit, identity, fraud, and alternative data designed to reduce complexity and overhead. With AI, complete integration in a single session.

Pricing

Flexible transparent pricing

Pay only for the data you need, with pricing designed to scale as your business grows. CRS uses its purchasing power to secure preferred rates for customers.

Performance

Built to scale

SOC 2 certified and enterprise grade infrastructure built for high volume, real time decisioning in regulated environments. Our APIs perform up to 5x faster.

Access

Weeks not months

Standardized APIs and configurable workflows enable fast onboarding, with guided FCRA compliance and dedicated support. Most clients go live in under 5 days.

  • Bilt
  • NACA
  • Unlock
  • Rentvine
  • Wealthfront
  • Live Oak Bank
  • Checkr
  • Aptly
  • Taktile

CRS Powers Top Fintechslearn more about our partner network

Work with CRS

Move fast and lend responsibly FAQ

Get to faster funding decisions with verified credit data built for high velocity workflows

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FAQ

What role does CRS play in the MCA ecosystem?

CRS provides reliable credit and business data that MCA providers use to make faster funding decisions, reduce reliance on self reported inputs, and improve portfolio performance in high velocity workflows.

Why do MCA providers choose CRS instead of bank statements only?

Bank statements are valuable but they are not the full story. CRS adds independent, standardized credit signals that help validate risk and reduce blind spots when speed is critical.

How does CRS help fund faster without increasing risk?

CRS helps automate risk checks and decision inputs so providers can preserve speed while improving consistency, reducing gut feel decisions that often drive volatility.

How does CRS reduce misrepresentation and fraud risk?

By using verified credit and identity data rather than self reported information, CRS helps identify inconsistencies early in the funnel and reduces exposure to manipulated documents and misrepresented revenue.

Can CRS support both direct funders and ISO broker distribution models?

Yes. CRS is designed to fit MCA operating models where origination happens through a direct channel, partner network, or broker and ISO ecosystem.

How does CRS help reduce funnel leakage from approved to funded?

Better upfront qualification reduces post approval fallout and improves the likelihood that approved merchants ultimately fund and perform.

What products do MCA teams typically start with?

Many teams start with LeadsIQ to improve targeting and list quality, then add OffersIQ to validate offer fit and raise conversion. Some teams deploy both together to align top of funnel selection with downstream approval reality.

How does LeadsIQ improve MCA lead generation?

LeadsIQ enables prescreened audience creation using refined filters so teams can target merchants that align with their funding criteria. It reduces wasted outreach and improves match rates, and it can append contact data like mobile phone and email to improve engagement.

How does OffersIQ improve conversion and offer performance?

OffersIQ qualifies leads early and helps ensure only the offers that match a lead profile and definable criteria are presented. This improves application rates, approval odds, and overall funnel efficiency.

Does OffersIQ trigger FCRA prequalification requirements?

No. OffersIQ is designed to increase lead quality without triggering traditional Fair Credit Reporting Act obligations typically associated with prequalification products. CRS has FCRA experts on staff who can guide teams through questions based on their program design.

Can CRS support high volume workflows without slowing down?

Yes. CRS infrastructure is designed for high velocity, high volume environments without degradation in performance or data quality.