MCA underwriters spend hours per deal manually reviewing bank statements and researching merchants. Draco AI automates the analysis so you can focus on the decision.
Every MCA deal requires the same manual grind. We built tools to eliminate it.
Purpose-built tools for MCA underwriting, designed to work together.
{ "bank": "Chase", "avg_balance": 12480, "deposits": 8940, "nsf_count": 0, "neg_days": 2, "categories": [...] }
Extract structured financial data from any bank or credit union statement.
Automated research and risk analysis for every submission.
Your AI co-pilot for deal review and decision support.
See how Draco AI fits into your existing underwriting workflow.
Drop bank statements and applications into the platform
Bankminer parses and structures all financial data
Insights generates risk assessment and merchant research
Review the summary, ask questions, make your call
The MCA industry processes millions of funding applications annually, yet most underwriting is still done manually. We chose to start here because we've done this work ourselves—we know exactly where the bottlenecks are and what underwriters actually need.
MCA underwriting is complex enough to matter, standardized enough to automate, and high-volume enough to deliver real ROI. It's the proving ground for underwriting AI that will eventually serve all of small business lending.
Your financial documents are sensitive. We treat them that way.
AES-256 encryption for all stored documents
TLS 1.3 for all data transmission
Hosted on Google Cloud Platform
Your documents are never used to train models
Domain expertise meets AI engineering. We've done the underwriting work ourselves.
CEO & Co-founder
Former MCA underwriter turned ML engineer. Built underwriting systems from both sides of the table.
CTO & Co-founder
30 years in software engineering and AI. Caltech-educated ex-Googler. Drives technical architecture and AI strategy.
Strategic Advisor
Two decades leading multi-billion dollar product portfolios at IBM and Google. Guides go-to-market and growth strategy.
Bankminer works with statements from virtually any US bank or credit union. We handle PDFs, scanned documents, and various statement formats.
We maintain a catalog of known MCA lenders and identify their payment patterns automatically. For lenders not in our catalog, we flag other recurring debt payments for your review. Our system continuously learns and expands its recognition as we encounter new funders.
Yes. We're building API access for integration with your CRM, LOS, or internal tools. Early access users can work with us to shape the integration approach.
All documents are encrypted at rest (AES-256) and in transit (TLS 1.3). We host on Google Cloud Platform and never share your data or use it to train our models.
We price based on the volume of pages you process—so you only pay for what you use. Early access users get favorable pricing as we build alongside you. Let's talk about what makes sense for your volume.
As a beta user, you'll work directly with our founding team to get set up. We move fast and can typically have you processing statements within days.
We're working with a small group of MCA lenders who want to shape the future of underwriting.
Request a Demo