Bank statements examined & evaluated
Lender agreements reviewed & analyzed
Repayment plans created
Businesses served
Fincopia: The SaaS Platform Smarter MCA Payment Solutions for Merchants & Funders
AI-Driven Payment Planning
Generate tailored proposals based on real merchant cash flow data — optimized for sustainability and completion.
Merchant Portal
A guided experience that makes it easy for business owners to connect accounts, upload files, and stay informed.
Real-Time Insights
Instantly view participation levels, plan progress, and projected returns — updated as data flows in.
Funder Control Center
Fincopia eliminates the need for costly debt settlement companies, sketchy advice, or aggressive legal battles.
Secure & Compliant
All communication is encrypted and tracked, so nothing gets lost and everything stays professional.
Integrated Stack
Works seamlessly with your existing CRM and financial tools, including the industries leading software.
Payment Plans That Work for Your Business
Cash Flow Improvement Tools
Connect your bank data securely and get real-time payment plan options.
Custom Payment Plans
View terms you can actually follow — based on your cash flow.
Risk Management
Get updates and support every step of the way.
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Manage Payements for your business
Monitor Cash Flow
This involves staying on top of accounts receivable, accounts payable, and other key financial metrics.
Diversify Funding Sources
Relying on a single source of funding can expose your business to risks.
Build a Financial Cushion
Unforeseen circumstances can impact your business at any time.
Become a partner today
Got more questions?
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Your burning question, answered
What is MCA reconciliation?
Reconciliation in MCAs is the process of adjusting repayment terms based on a merchant’s actual revenue to ensure fair and accurate funder distributions.
How long does the reconciliation process take?
The timeline varies depending on the Funders. Our streamlined platform ensures a quicker resolution than traditional methods.
Do I have to stop making payments during reconciliation?
No. Fincopia encourages maintaining regular payments while reconciliation is under review.
Does this work for every business?
All funders have their own guidelines regarding the restructuring or modification of terms and conditions of an agreement. Fincopia serves as an intermediary for merchants, funders and lenders.