Advance against real card takings.
A merchant cash advance is repaid from future card revenue, so the card revenue is the risk. Credit Canary reads card settlements straight from the business account, confirms the trend, and sizes an advance that repays comfortably.
The card-revenue question, answered
The old way asks for statements. The AI way reads the settlements.
- Card revenue taken from submitted statements
- Seasonality and trend hard to verify
- Slow, manual sizing of each advance
- Repayment stress spotted late
- Card settlements read live from the account
- Revenue trend and seasonality derived automatically
- Advances sized on real, categorised takings
- Repayment pace monitored against revenue
AI across the advance lifecycle
From sizing to full repayment.
Revenue
Read Stripe, SumUp, Dojo and bank settlements directly from the feed.
Sizing
Set the advance and holdback on real, trended card takings.
Decisioning
Resolve business and Open Banking data into one decision.
Monitoring
Track repayment pace against live revenue, and flag slowdowns.
The business account, turned into an advance
The Open Banking enrichment behind our wider work, read as card-revenue capacity.
Insight from across the platform
Merchant cash advance decisions draw on the same modules and Open Banking depth as the rest of Credit Canary.
Open banking enrichment
How a raw feed becomes clean categories, income and risk.
Affordability assessment
Turning real cashflow into a sustainable lending decision.
Decisioning engine
Policy, data and models in one live, explainable decision.
Banking module
Connect business accounts and read categorised transactions.
Analytics
Portfolio trends and early-warning signals across the book.
All SME lending products
Term loans, revolving credit, invoice and asset finance, and more.
Advance against card revenue you can see.
See how Credit Canary sizes an advance from real card settlements.