LenderAnalyzer is the self-serve Heron Data alternative for MCA funders, brokers and business lenders: true revenue net of transfers, NSF and negative days, and stacked-position detection from any bank statement, on a flat plan from $99 a month. Analyze a live statement on this page.
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Heron Data is built for the MCA pipeline. It takes submissions in by email forwarding, API or bulk upload, classifies the documents, enriches every transaction to separate true revenue from transfers and debt, flags positions and fraud signals, and syncs the result into Salesforce, Zoho, Cloudsquare or LendSaaS. For a funder processing hundreds of submissions a month through a broker network, that intake automation is the product, and it is good at it. Funders and brokers who look for a Heron Data alternative usually hit one of two walls. Heron is sales-led with no published pricing and no self-serve signup, so a smaller shop cannot simply start; and the intake-and-CRM machinery is more than a team needs when the real job is reading the statements on the deals already in front of them. LenderAnalyzer is the analysis half without the pipeline project. Drop in three to twelve months of statements, get true monthly revenue, deposit frequency, NSF and negative days, average daily balance and every detected advance payment grouped by funder, then pull the same object over a REST API if you want it in your own workflow. Flat $99 to $399 a month, no demo. Where Heron wins, the table below says so.
MCA shops lose time in two different places, and buying the wrong fix for your bottleneck is an expensive mistake. Work out which one is actually costing you deals.
Some funders drown before underwriting starts. Brokers email submissions as zip files and photographed PDFs, someone opens each one, works out which document is which, renames them and keys the merchant into the CRM. That is an intake problem, and intake automation is what solves it. Other funders have a clean submission process and lose their day inside the statements themselves, tallying deposits, spotting transfers masquerading as revenue and hunting for existing positions. That is an analysis problem. Heron addresses both and prices accordingly. If only the second one is real for you, you are paying for a pipeline you already have.
Whatever you buy, the metric that decides whether the advance performs is true revenue: gross credits minus internal transfers, minus refunds and chargeback reversals, minus loan and advance proceeds landing as deposits, minus owner capital injections. A merchant showing $180,000 of monthly deposits might have $110,000 of real sales once a $40,000 advance, $18,000 of transfers between their own accounts and $12,000 of reversed charges come out. Size a holdback against the $180,000 and the merchant defaults, not because they were dishonest but because the money was never theirs. Any tool that cannot show you which credits it excluded, and why, is asking for trust it has not earned.
Detecting existing positions means recognizing that a fixed $487.50 debit hitting Monday through Friday, under an ACH descriptor that looks like a generic payment processor, is another funder's daily remittance. Doing it well requires grouping debits by counterparty, matching descriptors against known funder patterns, and totaling the combined daily burden across every position found. Doing it badly means missing the second position and funding a merchant whose account is already surrendering 22% of daily deposits. Test this specifically: take a file where you know the merchant was stacked, and see whether the tool finds every position or only the obvious one.
MCA underwriting starts with statements and rarely ends there. Larger advances pull in tax returns, financial statements, a business debt schedule, sometimes pay stubs for a personal guarantee. A tool scoped tightly to MCA bank statement enrichment leaves those to a second vendor or a manual desk. Before choosing, list every document type that touches a file above your typical advance size, then check which tools read all of them and return the figures in one place. Running one platform across statements, returns and financial statements usually beats running a specialist plus a spreadsheet.
How LenderAnalyzer and the main Heron Data alternatives compare for US MCA funders and brokers. Last updated July 2026. Heron Data, Ocrolus and Inscribe do not publish pricing, so confirm current figures with each vendor.
| Software | Pricing | Self-serve | What it does for MCA | Best for |
|---|---|---|---|---|
| LenderAnalyzer This page | Flat $99 to $399/mo, published, 50% off annual | Yes, free live trial, no sales call | True revenue net of transfers, NSF and negative days, average daily balance, stacked-position detection, plus tax returns and financial statements | Funders and brokers who want statement analysis without an intake project |
| Heron Data | Quote-based, scaled to monthly deal volume | No, demo required | Submission intake by email, API or bulk upload, document classification, transaction enrichment, revenue and debt detection, fraud checks, CRM sync | Higher-volume funders automating broker intake through to underwriting |
| Ocrolus | Metered per document, rates not published | Signup and a free trial up to 100 pages | Lending-grade extraction plus cash flow, income and fraud analytics across document types | Larger lenders standardizing on one reference extraction vendor |
| Inscribe | Quote-based | No, sales demo | Document fraud detection first; cash flow analytics secondary | Funders whose primary loss driver is doctored statements |
| DocuClipper / MoneyThumb | Low-cost, self-serve | Yes | Converts statement PDFs to a spreadsheet of transactions; no revenue, stacking or NSF analytics | Getting transactions into Excel cheaply, then analyzing by hand |
| Manual review | Staff time | Yes | An analyst tallies revenue, positions and NSF counts from the PDFs | Low submission volume, or files that need human judgment anyway |
Comparison compiled by LenderAnalyzer from public vendor materials, June 2026. Competitor names are trademarks of their respective owners; figures may change, so verify current details with each vendor.
Computed deterministically from every extracted transaction, every figure traceable to its source line.
Computed across the full statement period, carried forward day by day.
Deposits vs withdrawals and net flow, broken down month by month.
Every insufficient-funds and overdraft incident counted, with fees totaled.
Recurring deposits grouped into income streams with estimated monthly amounts.
Debits to other lenders and funders detected and totaled per month.
Days below zero across the period, a direct stress signal.
The biggest credits with dates and sources, concentration flagged.
Automatic red and yellow flags your analysts can review in seconds.
Drop in PDFs, scans or photos, one statement or a multi-month package, from any bank.
Every transaction is extracted, then cash flow, balances, income streams, NSF activity and debt payments are computed.
Read the underwriting snapshot, download the Excel report, or pull structured JSON into your LOS via API.
28 lending document types extracted out of the box, build the complete picture of an applicant's financial situation.
Common questions from lending and credit teams.
Heron Data is a US software platform that automates submission intake and underwriting for alternative finance, primarily merchant cash advance funders and brokers. It ingests submissions by email forwarding, API or bulk upload, classifies the documents, enriches each bank transaction to identify revenue and debt, flags fraud signals and positions, and syncs results into CRMs such as Salesforce, Zoho, Cloudsquare and LendSaaS. It reports serving more than 150 firms.
Heron Data does not publish pricing. It is quote-based and scaled to your monthly deal volume, and the site directs buyers to book a demo or talk to sales rather than offering self-serve signup. Funders processing anywhere from roughly 50 to over 1,000 deals a month are served at correspondingly different rates. LenderAnalyzer publishes flat plans at $99, $199 and $399 a month with no per-deal metering.
It depends on your bottleneck. If you need bank statement analysis (true revenue, NSF and negative days, stacked positions) without building an intake pipeline, LenderAnalyzer covers that self-serve from $99 a month. If you need broad document extraction across statements, returns and pay stubs at enterprise volume, Ocrolus is the reference vendor. If doctored statements are your main loss driver, Inscribe leads on fraud detection.
Heron Data is narrower and deeper on the MCA workflow: it automates broker submission intake, classifies documents, enriches transactions for revenue and debt, and pushes results into your CRM. Ocrolus is a broader lending document platform used across mortgage, small business and consumer lending, with mature extraction and analytics across many document types and metered per-document pricing. Heron suits an MCA pipeline; Ocrolus suits a lender standardizing extraction across products.
Yes. LenderAnalyzer scans statement debits for advance-style repayment patterns, fixed daily or weekly withdrawals to financing counterparties, groups them by counterparty against known funder ACH descriptors, and totals the combined daily burden so every open position is visible before you fund. The difference is not the detection, it is the surrounding workflow: Heron pulls submissions out of your inbox and into your CRM, while LenderAnalyzer analyzes the statements you upload or send through the API.
Not out of the box, and it would be dishonest to imply otherwise. LenderAnalyzer does not read your broker inbox or ship prebuilt CRM connectors. It exposes a REST API with webhooks that returns the full metrics object as JSON, so teams wire it into their own pipeline or CRM, and it offers Excel and CSV exports for manual desks. If automating the inbox is your main problem, an intake platform is the right purchase.
As many as your credit policy requires. Three, four, six or twelve months process in a single batch, with a month-by-month breakdown of revenue, average daily balance, NSF events and negative days, plus gap detection that flags any missing statement period. Most MCA funders run three to six months; larger advances and seasonal merchants usually justify twelve so the revenue trend and the seasonal low point are both visible.
Analyze your first statements free, plans from $99/month, 50% off billed annually.
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