Scaler Technologies_
    [01]_STIP COLLECTION

    Stip Collection Automation That Stops Deals From Stalling on Paperwork.

    Reading three or four months of bank statements to verify deposits, average daily balance, and NSF activity by hand is the single slowest step in most MCA underwriting flows — and that's before you count the days spent chasing a merchant for the statements in the first place. We build automation that requests, tracks, and chases outstanding stips (bank statements, voided checks, driver's license, business license, lease agreement) on a set cadence, then routes complete packages straight into underwriting the moment they're ready.

    Free scoping consult

    See what it would recover

    Tell us where to reach you and we'll show you exactly how it'd work — no cost, no pressure.

    Manually reading months of bank statements to verify stips is widely cited as the single slowest manual step in MCA underwriting — most shops still do this document-by-document, by hand, rather than automating collection and extraction.

    MCA underwriting operations dynamic, as reflected across MCA-focused underwriting-software vendor marketing and broker workflow discussions — not a Scaler client result.

    [02]_The cost of doing nothing

    A fully qualified deal is stuck behind an unread email asking for statements.

    • 01A merchant who's ready to fund can sit for days waiting on a single missing document, because chasing stips competes for rep time against every other file and every new inbound lead.
    • 02Manually tracking what's outstanding per file — which of four requested documents came in, which didn't — falls apart once you're running more than a handful of files at once, and something always slips.
    • 03Merchants lose momentum (and sometimes interest) the longer a deal sits waiting on paperwork after they've already said yes to moving forward.
    • 04Reps re-request the same document multiple times because there's no single source of truth for what's already been collected, wasting merchant goodwill and rep time both.
    • 05Files that go stale waiting on stips are exactly the files a competing ISO can still poach — a slow stip cycle isn't just an efficiency problem, it's a lost-deal risk.
    [03]_How it works

    Live in days, not months.

    01

    Define

    We map your standard stip checklist per deal type — bank statements, voided check, ID, business license, lease — and where collection currently bottlenecks.

    02

    Request

    We build the automation that sends stip requests to the merchant immediately after approval, on whatever channel gets the fastest response — email, text, or a secure upload link.

    03

    Chase

    Outstanding stips get automatic, scheduled follow-up — no rep has to remember to nudge a merchant who hasn't uploaded a document yet.

    04

    Route

    Once a package is complete, it routes straight to underwriting (or into the AI underwriting triage step, if you're running that too) — no manual hand-off delay.

    [04]_What changes

    Stips stop being the bottleneck between offer and funding.

    • Every merchant gets an immediate, clear stip request the moment they're approved, instead of waiting for a rep to find time to send it.
    • Outstanding documents get chased automatically on a schedule, so nothing depends on a rep remembering which files are still incomplete.
    • One source of truth for what's been collected per file, so merchants stop getting asked for the same document twice.
    • Complete packages move into underwriting the moment they're ready — no lag between "stips done" and "underwriter notified."
    • Fewer stale files sitting in limbo, which means fewer approved deals lost to a competing ISO simply because paperwork took too long.
    [05]_FAQ

    Questions, answered.

    This service is focused specifically on the collection and chasing workflow — getting the documents in the door faster and with less rep effort. If you also want the statements themselves extracted and analyzed automatically once collected, see our AI underwriting triage automation, which is built to sit right after this step.

    The cadence escalates and varies channel (email, text, upload link) automatically, and any merchant who's genuinely unresponsive after the full cadence gets flagged to a rep for a personal follow-up — automation handles the routine chasing so reps only step in where a human touch is actually needed.

    Yes — we build the checklist logic around your actual requirements, which can vary by funder, deal size, or merchant industry, so the automation requests exactly what's needed for that specific file rather than one generic list.

    Yes — stip collection is built with a secure upload channel appropriate for financial documents and personal identification, not an open email inbox, so sensitive merchant data is handled with the same care your compliance obligations require.

    It's built to trigger off your existing approval stage and update the same deal record your team already tracks, so stip status is visible in the pipeline you're already using — not a separate system to check.

    We look at your current stip checklist and where collection actually slows down today — which documents take longest, how much rep time goes into chasing — and map what automated collection would save on your real file volume.
    [07]_Related pages

    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.

    Free scoping consult

    See what it would recover

    Tell us where to reach you and we'll show you exactly how it'd work — no cost, no pressure.