Plans from $99/month. True revenue, positions, and 27 fraud signals included.
See every position before you fund
ClearStaq names 100+ MCA funders from their debits, catches unknown lenders by payment pattern, and tracks each advance month by month.
of 3,184 new deals at one multi-state broker already had an open MCA position.
had a position with OnDeck, Forward, Kapitus or CFG.
MCA funders recognized from their debits.
How it works
Three ways a position gets caught
Known funders
Debits are matched to 100+ MCA funders by how they appear on the statement.
$705.83 · weekly · pattern
Payment patterns
Fixed amounts on a daily or weekly rhythm are flagged, even from a lender we don't know.
New position
New funding
Money a lender pays in is tracked separately, so a fresh stack mid-period stands out.
Per lender
One card per lender, with the numbers that matter
- ✓Payment amount and frequency
- ✓First seen and observed payments
- ✓Paid to date and withhold %
- ✓One click to the exact transactions
Monthly breakdown
A new stack shows up as new funding
Payments and funding for each lender, one row per statement month. When fresh money arrives mid-period, you see it.
| Month | Payments | Withhold | Funding |
|---|---|---|---|
| Jul 2026 | $2,823 | 3.1% | $0 |
| Aug 2026 | $2,823 | 2.9% | $0 |
| Sep 2026 | $4,240 | 4.1% | $25,000 |
| Oct 2026 | $6,000 | 4.8% | $0 |
Stacking alert
Debt service and risk, in one line
Every application shows open advances, estimated monthly debt service, debt-to-revenue and a risk level. Advance deposits are also kept out of true revenue.
For brokers
Price, pitch or pass before you submit
Funders will find every position. See them first so you send the right deal to the right funder.
For funders
Know the debt load before you fund
Debt-to-revenue and withhold on every file, so a stacked deal never reaches approval by accident.
FAQ
Stacking detection questions
What is MCA stacking?
A merchant taking a new advance while older ones are still being repaid. Each new position raises the risk that none get paid back.
What if the lender isn't one you know?
It's still caught by its payment pattern and shown as pattern detected, with the same numbers as a named lender.
Can it tell if a deal I already funded got stacked later?
Yes, if you upload statements from after the funding date. The statements you underwrote with can only show what existed then.
Which plans include stacking detection?
Every plan. Fraud checks, MCA positions and true revenue are part of every analysis.