Every Renewal-Ready Merchant In Your Book, Flagged The Day They Qualify.
A merchant who's paid down 50–60% of their advance is the single best deal in your pipeline — proven payment history, no new underwriting from scratch, a warmer conversation than any cold call you'll make today. The problem isn't finding renewal candidates; it's that nobody's checking every file every day to catch the exact moment a merchant crosses that line. Scaler watches your book continuously and flags renewal-ready merchants the day they qualify — not the day a rep happens to remember to check.
Renewal-stage tracking is already a recognized product category in MCA funding software — vendors like MCA Suite ship a dedicated "Renewal Opportunity Dashboard" that surfaces merchants by percentage repaid specifically because ISOs and funders were losing renewal deals to whoever noticed the paydown level first. The mechanic is proven; what most shops lack is the daily discipline to run it on every file.
MCA Suite product documentation — industry practice, not a Scaler client result.
Renewal-ready merchants are getting called by someone else first.
- 01Paydown is tracked in a spreadsheet, a whiteboard, or a rep's memory — so a merchant who crosses 50–60% repaid sits unnoticed until a competing ISO's renewal offer beats you to it.
- 02Your funders' portals show remaining balance and payoff figures, but nobody logs in and checks every open file every morning — renewal timing is being guessed at, not tracked.
- 03Offer too early and you spook a merchant still mid-advance; offer too late and you lose the deal to whoever called first. Getting that window right by hand means catching it on exactly the right day, for every file, every time.
- 04Your best closers end up doing manual portfolio reviews — scrolling deal files looking for who's close — instead of dialing, because that's the only way anyone catches a renewal at all.
- 05When a rep with the paydown numbers in their head leaves, the renewal pipeline they were quietly tracking walks out the door with them.
Live in days, not months.
Connect
We pull in your funding platform or CRM's deal data — funded amount, factor rate, daily or weekly remittance, payments collected — whatever paydown data your shop already has, from a single system or several.
Set the threshold
You set the paydown percentage that defines "renewal-ready" for your book — 50%, 60%, or your own cutoff, adjustable per funder or program instead of one blanket rule.
Flag & route
Every day, merchants who cross your threshold get flagged automatically and routed to the assigned rep with the deal file already pulled — no manual portfolio review required.
Track & report
Every flag is logged with the date it triggered, so you can see renewal contact rate and close rate by rep, and prove the pipeline is actually being worked.
Your book gets worked every day — not reviewed once a quarter.
- A standing renewal queue instead of a memory exercise — every merchant who crosses your paydown threshold shows up automatically, the day it happens.
- Reps spend their time on the call, not the portfolio review that used to eat the morning before any calls got made.
- Renewal offers go out inside the window that actually converts, instead of a few weeks early or a few weeks late because nobody checked.
- A renewal pipeline that survives rep turnover — it lives in the system, not in one person's head.
- A reportable trail of exactly which merchants were flagged, when, and what happened, so renewal performance is visible instead of anecdotal.
Questions, answered.
Book a free scoping call.
Twenty minutes, no pitch deck. We'll map exactly how this would run for your business and what it'd recover. Prefer to read more first? See our AI automation services.