Renewal Detection Automation That Flags the 50-60% Repaid Window.
A merchant who's paid down roughly half to sixty percent of an existing MCA balance is one of the highest-probability renewal candidates in your entire book — funders like re-funding a merchant with a proven repayment track record, and the merchant is often already thinking about additional capital for the next busy season. Most shops have no systematic way to catch that window; it depends on a rep remembering a specific merchant's file, months after the original deal closed. We build the automation that watches repayment progress and triggers renewal outreach the moment a merchant crosses into that window.
Merchants who've repaid roughly 50-60% of an existing MCA balance are widely regarded across the industry as prime re-fund candidates — a proven repayment track record most funders view favorably — yet most ISO shops have no systematic mechanism to flag and act on that window.
MCA renewal/re-fund industry practice, as commonly described by funders and ISOs regarding re-fund eligibility thresholds — not a Scaler client result.
Your best renewal candidates are aging out of the window unnoticed.
- 01Renewal-eligible repayment progress is a moving target across every active file in your book, and tracking it manually means someone has to check balances across every merchant, every week, on top of everything else on their plate.
- 02By the time a rep happens to notice a merchant is near renewal-ready, that merchant may have already gone to a competing ISO, a direct funder relationship, or a different funding product entirely.
- 03Renewal deals are typically faster to underwrite and close than new business — a merchant with a proven repayment history is a known quantity — so a missed renewal window is lost revenue that should have been easier than new-business acquisition, not harder.
- 04Without systematic tracking, renewal outreach happens reactively (a merchant calls asking for more capital) instead of proactively (you reach out right as they become eligible and receptive), which cedes the timing advantage to whoever else is watching that merchant.
- 05Renewal revenue compounds — a merchant renewed once is likely to renew again — so every missed first renewal is also a missed future one.
Live in days, not months.
Track
We build the tracking layer that monitors repayment progress against original funded amount across every active file in your book, automatically.
Flag
Merchants crossing into the renewal-eligible window (typically 50-60% repaid, tunable to your funders' actual re-fund thresholds) get flagged the moment they cross it.
Reach out
Automated, on-brand outreach goes to the merchant and/or the rep who owns that relationship — timed to land right as renewal eligibility opens, not weeks after.
Route
Merchants who respond route straight into a renewal-specific deal flow, so re-underwriting and re-offer happen fast, leveraging the repayment history you already have on file.
Renewal-ready merchants get caught the moment they become eligible.
- Every active file gets watched automatically, so no renewal candidate depends on a rep remembering to check a specific merchant's balance.
- Outreach lands right as the merchant becomes eligible and receptive, not reactively after they've already gone elsewhere.
- Renewal deals move faster because the merchant's proven repayment history is already on hand, instead of re-qualifying from scratch.
- A proactive renewal program instead of a reactive one — the phone call comes from you, not just from the merchant when they happen to think of it.
- Renewal revenue becomes a predictable, repeatable pipeline instead of an occasional lucky catch.
Questions, answered.
Book a free scoping call.
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