VantedgeAI
Advanced AI Solutions for Merchant Underwriting
What is VantedgeAI? Complete Overview
VantedgeAI offers an advanced AI-driven solution designed to revolutionize merchant underwriting. By leveraging OCR and AI-Agentic workflows, the platform automates the extraction, analysis, and risk assessment of merchant application forms and bank statements. This enables businesses to cut review time by 80%, standardize decisions, and fund merchants faster and more confidently. Target users include merchant cash advance funders, private credit providers, and ISOs looking to enhance operational efficiency and reduce defaults. The platform supports various document formats, provides real-time underwriting insights, and integrates seamlessly into existing workflows without requiring process changes.
VantedgeAI Interface & Screenshots
VantedgeAI Official screenshot of the tool interface
What Can VantedgeAI Do? Key Features
Extract & Analyze
Upload 3+ months of bank PDFs, and VantedgeAI automatically extracts (OCR) and structures the data, supporting all bank statement formats. This eliminates manual data entry and ensures accuracy.
KYB and KYC
Global KYB validation verifies legal entity, UBO ownership, and company registries with sanctions/AML screening. Instant KYC verification includes ID/document validation, ensuring compliance and reducing fraud risk.
Highlight What Matters
Merchant AI identifies revenue patterns, seasonality, and suspicious activity, presenting actionable insights without the noise. This helps underwriters focus on critical signals for decision-making.
Detect Risk in Seconds
The platform flags NSFs, overdrafts, phantom deposits, loan stacking, and cash flow volatility, enabling quick identification of high-risk merchants before funding.
Shareable Reports
Generate one-click underwriting reports that are ready to share with team members for quick funding calls, streamlining collaboration and approval processes.
Plug-In Integrations
Connect with CRM, LOS/LMS, LGS, DMS, accounting, and KYB/KYC systems via API & webhooks, ensuring seamless data synchronization across platforms.
Ongoing Monitoring
Track cash-flow shifts and repayment burden with proactive alerts and portfolio health scores, ensuring continuous risk management post-funding.
Best VantedgeAI Use Cases & Applications
Merchant Cash Advance Underwriting
MCA funders use VantedgeAI to automate the underwriting process, reducing review time by 80% and catching risky merchants before funding. The platform ensures consistent, audit-ready reviews, improving portfolio quality.
Private Credit Risk Assessment
Private credit providers leverage the AI-driven risk detection to identify loan stacking, phantom revenues, and cash flow volatility, enabling accurate pricing and reducing defaults.
ISO Partner Collaboration
ISOs integrate VantedgeAI into their workflow to standardize underwriting across partners, speeding up approvals and enhancing trust with funders through transparent, evidence-based decisions.
How to Use VantedgeAI: Step-by-Step Guide
Upload or email bank statements and merchant applications in any format (PDFs, Word, XLS). The platform supports secure browser uploads or email submissions.
AI reviews, flags, and summarizes risks, trends, and anomalies, surfacing critical insights instantly for underwriters.
Generate a decision-ready underwriting report, which can be shared with funders and syndicates immediately for quick approvals.
Collaborate with team members by assigning roles, commenting, and approving deals with SLAs and an audit trail, ensuring transparency and accountability.
VantedgeAI Pros and Cons: Honest Review
Pros
Considerations
Is VantedgeAI Worth It? FAQ & Reviews
VantedgeAI supports PDFs, Word, and Excel formats for bank statements and merchant applications, ensuring flexibility for users.
Yes, you can start a free trial without providing a credit card. This allows you to explore core features before committing.
By automating data extraction, risk detection, and report generation, the platform eliminates manual steps, cutting review time by up to 80%.
Yes, the platform offers API and webhook integrations for CRM, LOS/LMS, and other systems, ensuring seamless workflow synchronization.
Yes, the platform is SOC 2 Type II compliant, ensuring high standards of data security and compliance.