Merchant Cash Advance (MCA) Underwriter

About the Role

Infusion Capital is seeking an experienced Merchant Cash Advance (MCA) Underwriter to join our growing business funding team. This is not an entry-level position.

Key Responsibilities

• Evaluate existing positions, outstanding advances, daily or weekly payments, and stacking exposure.
• Assess business risk, repayment ability, NSF activity, negative balances, and overall financial health.
• Determine appropriate funding amounts, terms, factor rates, and positions based on risk.
• Review credit reports, business information, and other supporting documentation.
• Identify potential fraud, inconsistencies, and red flags in submitted applications.
• Communicate with sales representatives, brokers, and funding partners to obtain additional information.
• Make timely, well-supported underwriting decisions while maintaining deal quality.
• Manage a pipeline of applications efficiently and meet underwriting turnaround expectations.

Requirements & Tech Stack

• Mandatory prior experience in MCA underwriting.
• Strong understanding of merchant cash advances and alternative business financing.
• Proven ability to analyze business bank statements and assess cash flow.
• Knowledge of MCA stacking, existing positions, payback structures, and risk assessment.
• Ability to identify fraudulent documentation and high-risk transactions.
• Strong analytical, organizational, and decision-making skills.
• Ability to work independently in a fast-paced funding environment.
• Excellent communication skills and attention to detail.

Qualifications

• Prior hands-on experience underwriting merchant cash advances or alternative business financing.
• Strong understanding of risk assessment, cash flow analysis, and deal structuring.
• Ability to independently evaluate business funding applications.