Merchant cash advance operations

An AI operator for the MCA floor.

Ophelia turns connected pipeline facts into a short operating list: what moved, what stalled, what needs a person, and what can wait. Every deployment begins read-only and earns its write permissions one workflow at a time.

Live in the current private deployment

Start with eyes, evidence, and a short morning list.

Live

Read-only work awareness

  • Watches notable pipeline transitions and announces each event once.
  • Answers work-domain questions through a separate read-only specialist boundary.
  • Produces current status, daily activity summaries, and a kanban view of owner-authorized work.
  • Keeps raw business data out of Ophelia’s personal memory store.

Configured desks

One operation, four workflow chapters—not twelve doorway pages.

The following capabilities are scoped and tested against each client’s inboxes, CRM, sheets, guidelines, and approval rules. They are not a universal lender feed and are not switched on merely because a site visitor submits an interest form.

01 · INTAKE

Intake and data hygiene

Turn a shared submissions stream into a consistent review queue.

  • Classify and name applications, statements, and supporting files
  • Extract the merchant, request, and contact with review on ambiguity
  • Check duplicates across legal name, DBA, EIN, phone, and address
  • List missing documents before a file moves forward
02 · UNDERWRITING SUPPORT

Guidelines and offer comparison

Use the rules the business provides, with the source visible.

  • Search approved lender guidelines and explain exclusions
  • Compare amount, factor, term, payment, fees, and position
  • Flag inconsistent or stale guideline data for human review
  • Draft plain-language summaries without inventing an approval
03 · PIPELINE

Status, stips, and closing

Surface the deal that stopped moving while people were busy.

  • Track stage changes and age from trustworthy event sources
  • Build a live checklist from approval conditions
  • Escalate the one missing item blocking a file
  • Prepare a morning list of movement, stalls, and exceptions
04 · PORTFOLIO

Renewals and performance

Keep follow-up and reporting current without editing the source of truth by hand.

  • Surface eligible renewal and recontact candidates
  • Respect a controlled do-not-contact list
  • Report submissions, approvals, funded volume, and stage loss
  • Watch scheduled payments only where the authoritative data exists

Write boundaries

The useful answer is sometimes “I am not allowed to do that.”

No mystery authority

Ophelia is not a lender feed, credit bureau, law firm, or substitute underwriter. Recommendations are limited to provided, attributable material.

Human-owned decisions

Declines, funding, sensitive CRM stage moves, money movement, and external communications stay behind explicit approval and system-specific safety rules.

Source-of-truth discipline

Generated sheets and dashboards are views. Operational facts land in the authoritative store, so the next refresh cannot silently erase them.

Availability

A working deployment, a careful rollout, and no fake switch.

Live

Private pipeline watch

Read-only event monitoring, work-specialist questions, current summaries, and board visibility operate in the current configured environment.

Beta

Client-specific desk automation

Intake, document, guideline, offer, renewal, and reporting workflows require a mapped source of truth, dry-run evidence, and owner acceptance.

In development

Broader inbox management

More proactive work-email and front-desk actions remain gated until identity, consent, deduplication, and outward-send controls are complete.