Is AI About to Disrupt the Merchant Underwriting Game?
Spoiler: It already is.
In alternative finance, speed has always been the edge.
➤ Faster approvals
➤ Faster funding
➤ Faster payback
But in 2025, speed alone isn’t enough.
The real advantage is shifting to something smarter:
AI-powered underwriting.
The Traditional Playbook Is Breaking
For years, underwriting has been a hands-on, instinct-driven process.
You review bank statements.
Spot deposit trends.
Look for red flags and lean on gut feel.
But gut feel doesn’t scale. And in a high-risk, high-volume game, bias and bottlenecks are expensive.
That’s where AI steps in.
Forward-thinking finance leaders are already embracing this shift.
According to Deloitte, 42% of companies are now experimenting with generative AI in finance—and 15% have embedded it into core strategy.
Their goal?
✅ Fewer manual bottlenecks
✅ Faster insights
✅ Smarter decisions
All of which directly align with the pressures and priorities in modern underwriting.
What Smart Underwriting Looks Like Now
Today’s AI tools aren’t just scanning documents.
✅ Spotting behavioral trends
✅ Learning merchant patterns
✅ Scoring risk based on more than what’s on paper
Here’s what’s already happening:
🧠 Dynamic Risk Scoring – Adjusting funding decisions in real time based on merchant behavior.
🔍 Deep Data Analysis – Using non-traditional inputs like refund rates, review sentiment, and web traffic.
🚩 Fraud Detection – Flagging synthetic IDs, doctored docs, and mismatched ownership.
The goal isn’t just faster funding—it’s smarter, more sustainable funding.
Brokers & Funders: What This Means for You
If you’re brokering or underwriting deals, you’re already seeing the shift:
✅ Funders are trusting machine-led flags
✅ Underwriters are using real-time dashboards
✅ Models—not people—are driving early-stage decisions
AI won’t replace judgment, but it’s redefining the rules.
Those who adapt will win.
Where Nexi Fits In
At Nexi, we’re not chasing buzzwords—we’re building smarter, more sustainable funding solutions.
Take, for example, a recent success story from @AngieMarks, Director of ISO Relations: a health & wellness/anti-aging brand in Orlando, FL, secured $391K through Nexi’s Reverse Consolidation weekly purchase program. This wasn’t just capital—it was a vote of confidence in their mission and a catalyst for helping people look and feel their best.
By integrating AI-powered analytics into our underwriting process, Nexi accelerates funding decisions, enabling brokers to offer their merchants faster access to capital while minimizing exposure to risk.
For brokers, Nexi’s AI-enhanced underwriting means less time spent on manual assessments and greater confidence in funding decisions, allowing them to focus on building stronger client relationships
This strategic solution:
✅ Streamlines Payments – Streamline multiple MCA payments into one manageable plan, reducing complexity and stress.
✅ Frees-Up Cash Flow – More working capital for new equipment, expansion, and other business needs.
✅ Simplifies Debt Management – A structured repayment plan for long-term financial stability.
💡 Our Reverse Consolidation solution can even help merchants save up to 50%, putting them in a stronger position to succeed—and return for future funding.
Bottom Line
AI is changing the way we evaluate risk—and the way we support brokers and their merchants.
At Nexi, we’re using that intelligence to restructure, not just refinance.
If your clients are juggling multiple MCA payments, we can help simplify and stabilize their cash flow.
👉 Let’s talk.
📞 1-800-499-NEXI (6394)
📅 Book a Call with our ISO Relations team
💼 Register as a New ISO/Broker
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