Our Work
Case Studies
Every project below is live, handling real users and real transactions.
Circular Payments
FinTech — Merchant Cash AdvanceFull-stack MCA portfolio management — from zero to $900K+ funded
From spreadsheet chaos to $902K+ funded with a 3% default rate — 4x below the industry average of 7-12%.
$902,500+
Total Funded
143+
Active Fundings
3%
Default Rate
34%
Renewal Rate
Portfolio Growth
Default Rate vs Industry
The Challenge
Circular Payments was managing their entire Merchant Cash Advance operation across spreadsheets, email, and manual reconciliation of daily batch settlements from multiple credit card processors. With 80+ merchants and growing, the manual process was creating reconciliation errors, delayed collections follow-up, and no real-time visibility into portfolio health.
What We Built
We designed and built a complete operations platform from scratch. The system handles the entire MCA lifecycle: merchant applications with AI-powered document analysis (Claude and Gemini), multi-processor batch reconciliation (Payzli, Maverick, GoACH), automated holdback calculation from daily card settlements, default escalation workflows, a unified communications hub (SMS via Twilio, email via Postmark, voice calls), internal ticketing, and a broker management portal.
The Impact
The platform now manages 143+ fundings totaling over $902K in principal with a 3% default rate (well below industry average of 7-12%). Daily batch reconciliation that used to take hours is now automated. The broker portal streamlined application intake, contributing to a 34% merchant renewal rate.
34
Migrations
4
Processors
40-60
Weekly Apps
40 days
Avg Payoff
Key Features Delivered
Technology Stack
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