Append-only financial ledger
Money entries are sealed when written. Nothing is edited or deleted — corrections are reversing entries with a reason and an author. Each entry is chained to the one before it, so tampering is detectable.
NewLending infrastructure for MCA funders
Every deal, every dollar.
Every deal, every dollar.
One secure ledger.
Cadence is the operating platform funders license to run the whole book — intake, bank-statement underwriting, servicing, ACH, syndication and partner portals — on infrastructure that treats every record like money.
- Passwordless sign-in
- Append-only ledger
- You hold the keys
Submissions today0+12%
Auto-screened0shadow mode
Collected (MTD)0on plan
- Avg. monthly revenue
- $184,220
- Negative days (latest)
- 1
- Active positions
- 2 · paying
- Decision
- Refer to UW
1ledger from submission to payoff
4portals: funder, ISO, merchant, investor
0passwords stored or emailed
100%of money movements audit-logged
The platform
Built for how MCA actually runs.
Not a generic loan system with an MCA skin. Positions, splits, payback caps, refis, bounces, ISO commissions and syndicator wallets are first-class objects, not afterthoughts bolted onto a CRM.
Every submission lands. Nothing gets retyped.
Deals arrive from ISOs, email and API into one queue, with documents attached, deduplicated and matched to existing merchants.
- ISO submission portal — brokers launch deals, upload stips and see status in real time.
- Inbox capture — applications and statements pulled from your underwriting inbox, no forwarding rules.
- Duplicate & stacking check — EIN and owner match against your book on arrival.
- REST API & webhooks — push deals in from any source.
Statements read in seconds. Decisions you can defend.
Bank statements are parsed into a full transaction ledger, then scored against rules you control — with every result traceable to the line it came from.
- Statement parsing — revenue, deposits, NSFs, negative days and daily balances, by month and account.
- Debt schedule detection — existing MCA positions found, tracked and statused (paying, bouncing, slow pay, modified).
- Auto-decline rules — start in shadow mode, tune thresholds, refer close calls instead of killing them.
- Tamper checks — statements that fail integrity checks are flagged before anyone underwrites them.
An immutable ledger, not an editable spreadsheet.
Every debit, bounce, fee, reversal and payoff is an append-only entry. Corrections are new entries that reference the old one — so the history can't be quietly rewritten.
- Direct ACH — schedule and collect through your processor; returns post back automatically.
- Bounce & fee handling — default, NSF and maintenance fees kept separate from payback.
- Payoffs & modifications — reduced payments, pauses and refis with full lineage.
- Migration import — bring your payment history from your current servicing system.
Syndication that reconciles itself.
Participations, management fees and payouts are computed from the same ledger the merchant payments post to — so investor statements always tie out.
- Pro-rata allocation — every collection split to participants automatically, with cap enforcement.
- Management fees — configurable timing and rates per syndicator.
- Investor wallets — deposits, withdrawals and freeze rules with approvals.
- Portfolio reporting — RTR, collected, defaults and net returns by investor.
Your brand, in front of every partner.
White-labeled portals on your domain give brokers, merchants and investors self-serve answers — and take those calls off your team.
- ISO portal — submissions, approvals waiting on them, commissions and launch-a-deal.
- Merchant portal — balance, payment history and payoff requests.
- Investor portal — capital deployed, cleared collections and what's still coming.
- Read-only by design — partners see their data; nothing in a portal can move money.
Security model
Security isn't a feature page. It's the architecture.
Funders hold bank logins, EINs, SSNs and money movement. Cadence is built on the assumption that someone will try to get at all of it.
Passwordless access
Single-use, short-lived sign-in links. No passwords to phish, reuse or leak. Sessions are bound to the device and end after 30 minutes idle.
Encrypted everywhere
TLS 1.2+ with HSTS preload on every connection. Data encrypted at rest. Bank account and tax ID numbers masked in every view.
Least-privilege roles
Underwriters, servicing, accounting, ISOs, merchants and investors each see only what their role needs. Partners get read-only views.
Full audit trail
Every sign-in, view of sensitive data, rule change, approval and payout is logged with who, what and when — exportable for your auditors.
You own your keys
Processor credentials and API keys are yours, stored in a secrets vault — never in code, email or a vendor's shared account.
Tenant isolation
Each licensed funder runs in its own isolated environment and database. Your book is never co-mingled with anyone else's.
Controlled change
Protected branches, reviewed deploys and rollbacks. No one pushes straight to production — including us.
We hold this website to the same standard. These are the headers this page was served with:
Strict-Transport-Security: max-age=63072000; includeSubDomains; preload
Content-Security-Policy: default-src 'none'; script-src 'self'; frame-ancestors 'none'; …
X-Content-Type-Options: nosniff
Cross-Origin-Opener-Policy: same-origin
Permissions-Policy: camera=(), microphone=(), geolocation=(), payment=() …How it works
Live on your book in weeks, not quarters.
- 01
Scope
We map your products, pricing rules, processors and partner structure.
- 02
Provision
Your isolated tenant, your domain and branding, your processor credentials — held by you.
- 03
Migrate
Deals, positions, payment history and syndicator balances imported and reconciled to the penny.
- 04
Run in parallel
Shadow your current system until the numbers tie out. Cut over only when you're ready.
Licensing
License the platform. Keep your brand.
Cadence is licensed to funders, not sold to merchants. You run it under your name, on your domain, with your processors — we keep it secure and moving forward.
Talk licensing- Full platformIntake through syndication and all four portals.
- ModulesStart with underwriting or servicing and add the rest later.
- API accessPlug statement analysis or the ledger into what you already run.
- IntegrationsSalesforce, ACH processors and your existing servicing data.
Architecture
Engineered like a ledger, not a CRM.
Every layer is built around one rule: money records are permanent, provable and visible only to the people who own them.
01
Secure edge
TLS-only, HSTS-preloaded, strict content policy, rate limits and passwordless, device-bound sessions.
02
Platform services
Intake, underwriting, servicing, syndication and portals run as separate services behind one role-aware API.
- Intake
- Underwriting
- Servicing
- Syndication
- Portals
03
Append-only ledger
Every dollar is a sealed, hash-chained entry. Balances, payouts and reports are computed from it — never typed over it.
04
Isolated tenant data
Each funder gets its own environment and database, encrypted at rest, with keys and processor credentials the funder controls.
FAQ
Questions funders ask first.
Who is Cadence for?
Direct MCA and revenue-based financing funders, and syndicators who service their own book. It isn't a marketplace and doesn't lend to merchants.
Can we use our own ACH processor?
Yes. You connect your own processor account with your own credentials. Returns and settlements post back to the ledger automatically.
Do we have to replace our CRM?
No. Cadence can sync with Salesforce, or run standalone if you want to move off it over time.
How do you migrate our existing payment history?
We import deals, payments, bounces, fees and syndicator balances, then reconcile them against your current system before anything goes live. You can run both side by side until the numbers match.
Who can see our data?
Only the users you grant access to. Each funder runs in an isolated tenant, sensitive fields are masked, and every access is logged.
How is it priced?
Every license is tailored — full platform or individual modules. We'll walk through options with you on a demo.
Book a demo
See your book on Cadence.
Thirty minutes. We'll walk through intake to payoff on a live environment and show you what Cadence looks like for your team.
- Your details are sent over TLS and never shared.