FundingTracker is business financing tracking software for merchants, brokers, and advisors who need an independent record of merchant cash advances, term loans, lines of credit, payment schedules, contract documents, and payoff timelines. Instead of checking funder portals one at a time, teams can keep expected debits, actual bank activity, remaining balances, and renewal readiness in one place.
The platform is especially useful when a business has stacked funding or multiple repayment cadences. A merchant can compare daily ACH exposure, see which advance is closest to payoff, document missed or duplicate debits, and prepare cleaner records for accountants, brokers, funders, and consolidation discussions.
For planning before a new offer is signed, use the MCA calculator to estimate factor-rate cost, APR, daily payment impact, and payoff timing. For active positions, the MCA tracker explains how to monitor daily ACH, remaining RTR, payoff timing, and stacked advances. For education and comparison, the MCA guides explain common contract terms, and the funder directory helps teams keep provider context organized.
FundingTracker is not a lender and does not replace formal payoff letters from funders. It gives operators a practical tracking layer for the numbers that matter every week: total payback, amount paid, remaining balance, payment frequency, expected debit amount, renewal thresholds, documents, notes, and exception history.
Because each record is tied back to a contract and payment schedule, the tracker can support day-to-day cash management as well as longer planning cycles. A merchant can monitor active obligations before payroll, a broker can review whether a renewal conversation is realistic, and an advisor can compare tracked balances against bank activity before requesting updated payoff letters.
Over time, that structure creates a cleaner financing history. If a funder changes a debit, a payment posts late, or a payoff quote does not match tracked payments, the team can review original terms, bank evidence, notes, exported history, and open exceptions without rebuilding the story from scratch.
- MCA tracking
- Follow purchased amount, RTR, factor rate, daily or weekly debit, paid-to-date, and estimated payoff timing.
- Payment review
- Compare expected debits with connected bank transactions so duplicate, missing, or unusual withdrawals are easier to spot.
- Document control
- Keep contracts, payoff quote requests, notes, disputes, and exported payment history close to the deal they belong to.
- Cash-flow planning
- Understand how stacked advances, loans, and credit lines affect tomorrow's balance before taking on new financing.