How a Direct Funder Grew Average Deal Size 54%, Adding $800K to Monthly Funding by Allowing His Team to Focus on the Highest-ROI Deals

Overview

Fundtel, the automated underwriting platform for the revenue-based financing industry, partnered with Carlos Mesa, a direct funder operating within CFG Merchant Solutions, to automate the underwriting workflow that was bottlenecking his deal flow.

Challenge

Carlos's underwriting team was constrained by human capacity. Every loan application coming in required manual review: bank statements parsed, transactions categorized, lender criteria checked, position-stacking flagged. The team could only evaluate a fraction of incoming files, which forced a daily tradeoff between speed and depth on each deal. In the merchant cash advance industry, the fastest funder with a competitive offer wins the deal. That capacity ceiling directly limited the business.

"Human capacity has always been the bottleneck in our operations, and managing the deal flow has always been one of our biggest hurdles."

Solution

Fundtel ingests bank statements and loan applications automatically, runs a multi-agent pipeline that handles parsing, transaction classification, lender policies, and credit decisioning, and surfaces the highest-ROI opportunities to the underwriting team. Carlos worked directly with Fundtel's engineers to configure custom criteria and filters specific to his funding appetite, so the team focuses only on the deals worth prioritizing.

"Closely working with their developers, we use Fundtel's customization to create our own criteria and filters in order to focus on the most important files. This has allowed us to remain fast and accurate, while growing our business."

Results

Since onboarding to Fundtel:

+54% average deal size growth

+$800K added in monthly funding

5,000+ submissions monthly

• Grew average deal size 54%, from $22K to $34K, by routing capacity toward higher-value deals and getting offers out faster.
• Increased monthly funding volume 23%, from $3.5M to $4.3M.
• Automated 5,000 monthly submissions, up from 2,000 manually reviewed before, with no change in team headcount.

"Fundtel enables us to focus on the deals with the highest potential ROI. By automating the initial screening process, we can evaluate far more opportunities than before. In this industry, being the fastest is sometimes the difference between winning or losing a deal."