Every deal. First call to final payback. One record.
OrBIvance runs the complete merchant cash advance lifecycle in one system: lead intake, underwriting, offers, e-signed contracts, funding, collections and portfolio. Built from inside the industry, and configured to the way your shop actually works.
FLAT MONTHLY RATE · 5 USERS INCLUDED · NO ANNUAL CONTRACT · LIVE IN 30 DAYS
Pipeline by stage
Built around the complete MCA lifecycle
One record, from first contact to final payback. Every stage below is a live status your team already uses, not a diagram drawn for a website.
Lead intake
Capture and route new leads through a configurable pipeline, with rep and ISO assignment.
Submission
Send a file to one underwriter or all of them with a click. Nothing is re-typed.
Underwriting
Bank statement data, read by a connected OCR provider or entered by hand, becomes calculations and a summary automatically.
Offers
Deal-quality scoring, templated offers and special disclosure conditions built in.
Contract
E-signature with the disclosure-to-contract hand-off automated.
Funding
ACH routing, entity and participation setup, payout.
Collections
Daily and weekly ACH tracking, bounce notices and payback monitoring.
Portfolio
Live status, P&L by funder, participations and commissions.
Every function an MCA operation needs. Built in, not bolted on.
Every screen, status and report uses real MCA vocabulary, so your team never translates between how the software works and how the business works.
Origination & underwriting
Lead & sales pipeline
Configurable status workflow with rep and ISO assignment, multi-underwriter submission, and a duplicate-a-lead tool that starts a new deal from an existing file without re-entering data.
Merchant & entity management
Centralized merchant, business entity and cross-collateral records. Link affiliated entities to a single deal for exposure tracking across a merchant's related businesses.
Submissions & funders
Push a deal to one or many funders in a single action, with per-funder document routing, submission logging, and third-party lender syndication when a deal is placed outside your own book.
Underwriting support
Bank statement data, from a connected OCR provider or entered manually, calculated and summarized automatically, alongside native credit and background reports, business profile verification and rule-based auto-decline for ineligible industries or states.
Deal execution & portfolio
Offers & deal quality
Structured offer generation with deal-quality rating, special disclosure conditions applied by state, and approval and decline emails to funders, ISOs and merchants sent automatically.
Contracts & e-signature
Your choice of signing provider. The moment the disclosure is signed, the contract is generated and sent. Nobody has to notice and forward the next step.
Funding & portfolio management
Multi-bank ACH funding routing, live deal status (active, default, completed), balance and default-fee calculations, participation splits and a structured month-end close.
Post-funding merchant management
Every merchant carries its own communication log, legal and compliance tracking (bankruptcy, judgment, litigation), recurring ACH debit setup, percentage-of-sales reconciliation requests, payoff letters and a live balance chart.
Reporting & analytics
Role-scoped dashboards with pipeline, funding, commission, bounce-rate and profit-and-loss-by-funder views, plus a payment report that tracks wires from sent through paid. Built for owners, funders and reps alike.
Your workflow, not ours
Pipeline stages, required fields, auto-decline rules, disclosure requirements and approval routing are configuration, not code. What changes from one funding shop to the next stays flexible, without a rebuild.
Spend less time moving data. Spend more time closing deals.
The manual hand-offs that slow an MCA operation down move on their own the moment a deal changes status.
Bank statement calculations
Bank statement data, read by a connected OCR provider or entered by hand, is turned into deal calculations and a summary. No manual math either way.
Auto-decline rules
Ineligible industries, non-funding states and previously declined merchants are flagged at submission, before an underwriter spends time on the file.
Signature-triggered routing
Once a disclosure is signed, the contract is generated and sent automatically. The merchant never waits on a staff member to notice.
Status-driven email & SMS
Funders, reps and merchants are notified as a deal changes status: new submissions, decisions and pre-funding approvals included.
ACH & bounce monitoring
When an ACH payment bounces, the merchant is emailed the reason and balance, with the funder and rep copied, while the return rolls up into reporting. Opt-outs are honored automatically.
Bank feed & accounting export
The transaction list is pulled from every connected bank and processor, ready for staff to assign each item (payment, funding, refund or fee) to the right merchant, then exported to your accounting system.
Your banks, your processors, your providers. Named.
Named where the relationship is live or in onboarding. If yours is not here, we connect it during setup.
Banking connections
Automated daily transaction and balance sync on the connected banks that run on a schedule. No manual downloads, no re-keying.
ACH payment processors
Automated ACH debit and credit submission on a direct, secure connection, with returns polled from the processors where a client needs it.
Bank statement & OCR platforms
Connected OCR providers read submitted bank statements; OrBIvance turns the results into calculations and a summary for underwriting.
E-signature platforms
Your choice of signing provider, with the same automated disclosure-to-contract delivery.
Credit & background reports
Native, branded credit reports and criminal background checks pulled directly into the deal file.
Business profile verification
Merchant business-profile and risk lookups by EIN, surfaced during underwriting.
Accounting & back office
QuickBooks export for clients that run QuickBooks Desktop. Bank and processor transactions are assigned to the right merchant first, so the export carries real allocations rather than a flat transaction dump.
Don't see your provider? We'll connect it.
Run on a bank, processor or verification service not listed here, API or not? Tell us and we'll build the connection. New integrations are part of onboarding, not a change order.
Not a generic sales tool. Not a Salesforce add-on. Not a funder's side project.
Most platforms in this market were built by a software company that discovered MCA, or sit on top of someone else's foundation. OrBIvance was built from the operator's chair.
A generic CRM adapted to MCA
- Your team translates "opportunities" into deals and "accounts" into merchants, every day.
- Participations, ACH schedules, bounces and disclosures live in spreadsheets beside it.
- Every workflow change is a consulting invoice.
A platform built on someone else's CRM
- Two vendors, two bills: the platform, plus the licenses of the CRM underneath it, priced per seat.
- Your team signs in at the CRM vendor's door, not at your product.
- Integrations are "whatever the marketplace has," not the bank and processor you actually use.
One platform, built for how funding shops work
- One record for the whole lifecycle, from lead to payback, with MCA vocabulary on every screen.
- A flat monthly rate covering five users, no annual contract, no setup, migration or integration fees.
- Your banks, processors, OCR and e-sign providers connected by name, and new ones built during onboarding.
One record, whole lifecycle
Lead, underwriting, contract, funding and collections data live on the same deal record. Nothing re-entered, nothing out of sync between systems.
Built-in compliance logic
State-specific disclosure rules, auto-decline logic and a full audit trail come standard, not as custom work billed on top.
Configuration, not custom code
Pipeline stages, required fields and approval routing adapt to your shop through settings. New funders and workflows onboard without a development cycle.
Every seat sees its own view
Reps, underwriters, funders, servicers and participants each get a scoped view of exactly the deals and data relevant to their role. No spreadsheet exports required.
How we support you once you are live
Fast support for the day-to-day
A person who knows your setup answers, on the channels you already use all day. Support is part of running your operation, not a ticket portal you visit.
No long waits for updates and changes
Changes and updates go to the team that built the platform, not into a queue behind a quarterly release. What you ask for this week does not wait for next quarter.
A direct WhatsApp line
Every client gets a direct WhatsApp channel to our team for faster, personal responses. Not a bot, not a form: the people who run your deployment.
OrBIvance vs other platforms. Side by side.
Categories, not names. Every row is something you can verify on a vendor's own pricing page, login screen or contract.
| What you are buying | OrBIvance | Salesforce-based platforms | Other CRMs |
|---|---|---|---|
| Pricing model | One flat monthly rate for up to five users; a flat per-user rate beyond, stated up front | Per seat, plus a Salesforce licence for every user | Per seat, per module, or both |
| Setup and migration | Free. Your book, merchants and history come across | Implementation billed separately | Setup fee common |
| Integrations | Free, including new ones built during onboarding | Marketplace apps, each licensed on its own | Paid modules or a third-party connector |
| Per-transaction or per-document charges | None from us, ever | Varies by add-on | Common (per document, per envelope, per deal) |
| Contract | Month to month | Annual terms common | Varies |
| Updates and changes | Handled by the team that built the platform, without long waits | Consulting hours or a change order | A ticket queue and the next release |
| Support channel | A direct WhatsApp line, plus phone and email, to people who know your setup | Ticket portal | Ticket or email |
| Where your team signs in | Your own environment, on your own address | login.salesforce.com | The vendor's shared portal |
| Does the vendor also fund deals? | Never. We build software | No | Sometimes; some MCA CRMs are owned by funders |
| Whole lifecycle on one record | Lead to final payback, including collections | Partial; servicing is often a second product | Partial; post-funding lives in spreadsheets |
| Special disclosure conditions in the offer flow | Built in | Custom work | Rare |
| Banks, processors, OCR and e-sign providers | Named, connected, with honest attribution of who reads the document | Whatever the marketplace has | Varies; often unnamed |
Ten questions, and how OrBIvance answers each one.
If any answer makes you wince, that is the reason to talk to us.
How long did your last change request take?
Can you message a person directly, today?
Do you pay per seat from user number one?
Do you also pay a Salesforce licence?
Did you pay a setup, migration or integration fee?
Are you charged per transaction, per document or per envelope?
Are you locked into an annual contract?
Does your vendor fund deals too?
Who reads your bank statements, and where do the results land?
Where do bounces, participations and disclosures live?
Built from inside the industry. Not by technologists who decided to enter it.
OrBIvance was not built by technologists who decided to enter the MCA space. It was built by operators with two decades of combined hands-on experience across funding and collections. Every design decision traces back to a real operational problem someone lived through, not a feature someone imagined.
Every MCA operates differently. Underwriting criteria, commission structures, collection cadence, syndication splits and risk appetite are all unique, and those differences are your competitive edge. Generic platforms make you conform to the software. We know where the variation lives because we have lived it, so we built for it.
The goal is not one closed deal. It is ROI per converted lead, sustained across a continuous cash flow pipeline that compounds. OrBIvance covers that lifecycle from lead intake through successful completion, and every tool required in between.
One flat monthly rate. Five users included. No annual contract.
Flat from every angle: no setup fee, no migration fee, no integration fee, no per-transaction or per-document charges. The commitments this market usually hides behind a demo, stated up front.
Flat monthly rate, five users included
One figure covers your first five users. Each additional user is a flat per-user rate, stated in the same quote. Month to month, cancel when you need to.
Free migration, free integrations
Your book, your merchants and your history come across. Your banks, processors and providers get connected, and new ones get built. No setup fee, no integration fee.
No per-transaction or per-document charges
OrBIvance never bills per deal, per document or per transaction. What a third-party provider charges for its own service is between you and them, and we tell you which ones do.
Free customization, live in 30 days
Stages, fields, rules and templates tuned to how your shop runs, before go-live, not as a change order after. Support and changes stay fast once you are live.
Tell us how your shop runs: roles, funders, providers and volume. You get one monthly figure back, in writing, with the per-user rate beyond five users on the same line.
Request a quoteYour data, your roles, your audit trail.
Role-scoped access
Fourteen configurable roles with permissioned views. A funder sees only its own deals; a participant sees only its participations; nothing else.
Multi-factor login
Time-based one-time codes from any authenticator app, per user, on every login.
Full audit trail
Every status change, email and document event is logged for compliance and dispute resolution.
Your own environment
Each client runs in its own separate environment with its own database. Your book is not a row in a shared table beside another funder's.
No third-party trackers here
This website runs one first-party analytics cookie, set only after you accept it. No advertising pixels, no cross-site tracking.
Talk to an operator, not a sales script.
Request a demo on your own deal flow, or ask us how a specific workflow would map. We respond within one business day.
Who builds OrBIvance
OrBIvance is a product of TrueBI LLC, a Florida-based company that builds and supports software for financial organizations.