Fintech · Alternative Lending SaaS
Flowvance
A multi-tenant SaaS CRM built for the MCA industry
Live — started in 2025, enhanced this year with AI features
Flowvance is a purpose-built, multi-tenant SaaS CRM for the Merchant Cash Advance (MCA) industry. Developed end-to-end by Ozer Tech Solutions on Bubble.io, it lets MCA funders manage their entire deal lifecycle — from broker onboarding and intake through AI-powered bank-statement analysis, offer generation, contract execution and funded-deal accounting — under one white-label-ready product. Started in 2025 and enhanced this year with AI features.
The product on screen
The Challenge
MCA funders relied on fragmented toolchains — spreadsheets for underwriting, email for brokers, separate PDF tools for contracts, no unified data model. The client needed a vertically integrated platform that could:
- ▸Serve multiple funders (tenants) from one codebase with strict data isolation.
- ▸Automate the most labor-intensive steps — bank-statement review, offer math, contract prefill.
- ▸Give brokers a self-service portal to submit and track deals in real time.
- ▸Give merchants a branded portal to monitor advances and communicate securely.
- ▸Scale without engineering work for each new tenant.
The Solution — five purpose-built portals
- ▸Funder CRM — full deal lifecycle (Submitted → Underwriting → Offer → Contracts → Final UW → Funded), per-tenant underwriting thresholds, auto-assigned commission tiers.
- ▸AI bank-statement analysis — automated PDF extraction (Gemini), per-document validation, financial metrics (deposits, ADB, NSF, MCA-pull detection), an auto-decline engine over 6 thresholds, and a Claude BSA chat agent.
- ▸Broker portal — self-service submission, ISO agreement signing, onboarding doc upload, offer accept/decline/negotiate, deal messaging.
- ▸Merchant portal — branded per tenant, advance status and payment schedule, OTP login.
- ▸Super Admin (Nucleus) — full SaaS billing lifecycle (prospect → onboarding → subscription → overage → suspension), tenant management, white-label add-ons.
Key integrations & results
- ▸Integrations: Gemini AI + Anthropic Claude (BSA), Middesk (business verification), Proof (e-signature), SendGrid (email), Cloudflare Workers (contract PDF prefill), Dialpad (CTI).
- ▸Bank-statement analysis from hours to under 2 minutes per deal; 100% deal-lifecycle coverage.
- ▸Real-time auto-decline over 6 configurable thresholds; zero cross-tenant data exposure via privacy rules.
- ▸Full SaaS billing automation and per-tenant white-label readiness (branding, subdomain, email identity).
Architecture highlights
- ▸Backend-first: all critical logic runs in async Backend Workflows, never in the browser.
- ▸Parallel processing of statement documents; strict multi-tenancy via a Tenant_Ref on every table.
- ▸Decoupling roadmap: complex AI and pricing logic migrating to a Railway-hosted Core API while Bubble keeps UI + orchestration.