Ocrolus Alternative for MCA Funders: DueDeal vs Ocrolus (2026)
Ocrolus turns documents into data, prices by the document and relies on human review for the files machines struggle with. DueDeal audits every statement three ways with no human in the loop, returns an analyzed submission in 6 minutes, and then runs the rest of the deal — offers, contracts, funding, servicing and renewals — from $250 a month. One subscription replaces the document vendor and the tools that sit around it.
The short version
- Choose DueDeal if you fund or broker MCA and small business deals and want the analysis, the decision and everything after it in one system at one price.
- Choose Ocrolus if you process a very wide range of document types beyond small business lending and only need the data back.
DueDeal vs Ocrolus at a glance
| Ocrolus | DueDeal | |
|---|---|---|
| Pricing | Per document, by document type, extraction needs and volume; not published | From $250 a month for the whole workflow |
| Typical contract | Median about $98,000 a year (Vendr) | From $3,000 a year |
| Speed | Seconds on Instant; longer when files go to human review | 6 minutes per submission, fully analyzed |
| Setup time | N/A | 6 weeks, including your credit policy |
| Accuracy method | 99%+ claimed; human-in-the-loop review for hard documents | 3-way audit on every statement: transactions tie to totals, balances carry across months, grand totals reconcile |
| Human review needed | Yes, on hard documents | No human in the loop |
| Document types | Over 2,100 document types | Bank and credit card statements, applications, IDs, tax returns, P&Ls, balance sheets, personal financial statements, K-1s, credit reports |
| True revenue | Cash flow analytics | True revenue per month, with transfers, MCA fundings, owner infusions, reversals and returned deposits netted out and shown by category |
| Positions and stacking | N/A | Every detected position linked to the exact debits and credits behind it; funder's stacking limits enforced |
| Fraud and verification | Detect | Statement tampering and balance mismatch flags; DecisionLogic and Plaid data checked against the documents; soft credit pull; Secretary of State and court record searches |
| Credit policy and offers | N/A | Your policy applied on every deal; priced offer matrix (program, term, factor, commission, payback, fees) |
| Exception and stip resolution | N/A | Exceptions become gates with evidence attached, decided from a queue; missing statement months flagged automatically |
| Audit trail | N/A | Every decision stores who made it and a frozen snapshot of the evidence |
| Lender submission | Encore referral and syndication network | Lender matching and submission to your funder panel |
| Contracts and e-signature | N/A | Contract packages through DocuSign, Adobe Sign, RightSignature or OpenSign |
| Funding and ACH | N/A | ACH collections through Actum with Plaid enrollment |
| Syndication | Encore partner network | Participants and distributions on every advance |
| ISO commissions | N/A | Commission plans and payouts |
| Servicing and collections | N/A | Payment schedules, returned payments, balance transfers, amendments, portfolio reviews |
| Renewals | N/A | Renewal eligibility tracked on every advance; renewal deal created from the original in one click |
| Works with | API into your lending platform | CRM: Salesforce, HubSpot, Zoho, Pipedrive · LOS: Downhome · Bank data: DecisionLogic, Plaid · Credit: Soft Pull Solutions · Funders and marketplaces: Credibly, Lendr, LoanSifter · E-signature: DocuSign, Adobe Sign, RightSignature, OpenSign · Payments: Actum · Accounting: QuickBooks · Email: Gmail, Outlook · Phone: Kixie, RingCentral · Automation: Zapier, public API |
Different layers of the MCA stack
Ocrolus is a document layer. It reads the file and hands structured data to whatever system the funder uses to make the decision and run the deal.
DueDeal is the operating layer, with the document layer built in. The same system that reads the statement applies the credit policy, resolves the exceptions, prices the offer, sends the contract, collects the payments and tracks the renewal. The number an underwriter checks on day one is the same record the servicing team collects against on day ninety.
Why funders choose DueDeal over Ocrolus
1. Proof of accuracy, not a review queue
Ocrolus's own FAQ explains that humans review the documents machines struggle with — phone photos, scans and faxes. A human queue protects accuracy, and it also means difficult files wait.
DueDeal proves every statement with arithmetic instead:
- Transactions tie to the statement. Every credit and debit is summed and matched to the statement's own totals.
- Balances carry across months. Each month's ending balance must match the next month's beginning balance, so a missing page or altered month is caught.
- Grand totals reconcile. Totals across the full statement set are rebuilt from the transactions and matched.
Anything that does not reconcile is flagged with the exact discrepancy. No human is in the loop, and the submission is fully analyzed in 6 minutes.
2. The decision, not just the data
Structured data still leaves an underwriter to apply the matrix. DueDeal runs the funder's credit policy — industry caps, term matrices, deposit multiples, stacking limits, program tiers — on every deal and returns a priced offer matrix. When a file falls outside policy, it becomes a gate with the evidence attached, and the approval is recorded with who made it and what they saw.
3. Everything after the decision
Ocrolus stops when the data is delivered. DueDeal keeps going: contract packages and e-signature, ACH collections, payment schedules and returned payments, syndication distributions, ISO commissions and renewals — all on the same advance.
4. One price instead of a per-document bill
Ocrolus prices by document, and Vendr's procurement data puts the median Ocrolus contract at about $98,000 a year — before the CRM, e-signature, ACH and servicing tools around it. DueDeal starts at $250 a month for the whole workflow.
Choose Ocrolus if
- Your document mix goes far beyond small business lending, and you need one vendor to read thousands of document types.
- You only want structured data back and already run decisioning, contracts, funding and servicing in systems you are happy with.
Before you sign, ask both vendors
- What will we pay in a typical month at our volume — and what does that exclude?
- How is each statement proven correct, and does that proof depend on a human reviewer?
- How long does a hard file (a scan or a phone photo) take to come back?
- Does the output include a decision and priced offer, or only data?
- What happens after approval: contract, funding, servicing, syndication, commissions?
- How long from signed agreement to the first live deal?
Try it on 20 deals
Keep your current setup running. Send DueDeal 20 live submissions alongside Ocrolus. Together we measure what still takes manual work between submission and servicing: touches per deal, time to decision, time to funding, exceptions and missing documents. You decide on the numbers.
Book a demo to start the pilot.
Frequently asked questions
What is the best Ocrolus alternative for MCA funders? DueDeal is the Ocrolus alternative for MCA funders who want the decision and the rest of the deal, not only the data. DueDeal analyzes each submission in 6 minutes, audits every statement three ways and runs offers, contracts, funding and servicing from $250 a month.
How much does Ocrolus cost? Ocrolus does not publish pricing. Its FAQ says pricing depends on document type, extraction needs, volume and contract terms. Vendr's procurement data reports a median Ocrolus contract of about $98,000 a year.
Does Ocrolus use human reviewers? Yes. Ocrolus's FAQ describes human-in-the-loop processing for documents machines struggle with, such as phone photos, scans and faxes. DueDeal verifies every statement with a 3-way audit and needs no human in the loop.
How does DueDeal check bank statement accuracy? DueDeal ties every transaction to the statement totals, checks that balances carry correctly from one month to the next, and reconciles grand totals across the full statement set. Any mismatch is flagged with the exact discrepancy.
Is DueDeal cheaper than Ocrolus? DueDeal starts at $250 a month for the whole workflow, including analysis, offers, contracts, funding and servicing. Vendr reports a median Ocrolus contract of about $98,000 a year for document processing alone.
How long does it take to switch from Ocrolus to DueDeal? DueDeal setup takes 6 weeks, including encoding the funder's credit policy. Most funders run a 20-deal parallel pilot first.
Sources
Competitor information checked September 2026.
- Ocrolus pricing basis, accuracy claim and human-in-the-loop processing: ocrolus.com/faq
- Ocrolus Instant, results in seconds: PR Newswire, 20 September 2023
- Ocrolus document types: Ocrolus blog, 9 May 2024
- Ocrolus Encore referral and syndication network: ocrolus.com/small-business-funding
- Ocrolus contract values: Vendr marketplace