GERO AI · UNDERWRITING FOR SMALL-BUSINESS FUNDING
Open any deal. It's already been read.
Bank statements labeled line by line, the business checked with the state, the whole file run through your pipeline. You get a decision and how sure it is.
| 08/01 | SQUARE DEPOSIT | +2,140.55 | |
| 08/01 | ACH DEBIT NORTHSTAR CAP | −389.00 | MCA |
| 08/02 | PAYROLL RUN 0802 | −3,812.10 | |
| 08/02 | ACH DEBIT NORTHSTAR CAP | −389.00 | MCA |
| 08/02 | BRIGHTLANE FDG DEBIT | −275.50 | MCA |
| 08/05 | STRIPE TRANSFER | +1,906.20 |
- Query
- Harbor Line Roofing LLC
- State
- FL
- Status
- ACTIVE
- Formed
- 2019-03-14
- Type
- Florida LLC
- Agent
- Coastal Agent Services
- Officers
- 2 on file
- Searched
- Harbor Line Roofing LLC and 2 officers
- Courts
- FL state and federal
- Filings
- 0
- Judgments
- 0
{
"deal": 88213,
"decision": "review",
"confidence": 0.71,
"threshold": 0.80,
"reasons": [
"2 daily ACH debits to MCA funders",
"entity active since 2019",
"debits = 31% of deposits"
],
"next": "manual_qa"
}
Three programs in every deal folder
Reads each transaction on a merchant's statements and finds merchant cash advance positions, funder by funder, following your underwriting SOP.
- Reads
- statements, enriched txns
- Returns
- labels, positions, reasons
One API call returns entity status, formation date, registered agent and officers. Send a CSV of accounts and get the whole file back.
- Covers
- 47 state registries
- Modes
- single call · bulk CSV
Runs every deal through the same ordered steps, parks it for manual QA when a rule or the model says so, and resumes once someone approves.
- Steps
- search to offer
- Holds
- below your threshold
How a deal moves
Every deal takes the same path, in the same order. Each step writes its result into the deal folder, so the next step and the underwriter both see what happened.
If the model's confidence lands under the threshold you set, the deal stops at manual QA. Once someone approves it, it picks up at the next step.
- 01Deal searchNo prior deal on fileOK
- 02Secretary of StateActive in FL since 2019OK
- 03LitigationNo filings or judgmentsOK
- 04Bank statements2 MCA positions foundOK
- 05ModelConfidence 0.71, threshold 0.800.71
- 06Manual QAWaiting for an underwriterHOLD
- 07OfferRuns after approvalNEXT
One real statement run
In September 2026 we ran GustavoAI on four months of statements from a single opportunity and compared every label with the Ocrolus flags for the same file.
Read Me
Does Gero AI make the funding decision?
It makes a recommendation with a confidence score. You decide which scores go straight through and which wait for a person.
Can I see why a transaction was flagged?
Yes. Each label comes with the rule that fired and a written reason, and the full trace is kept with the deal.
Which states does GeroSOS cover?
47 state registries today. The rest need a login or have no public search, and we list them for you.
Do I have to use all three programs?
No. Each one works on its own through its API. Gero Decides is how they run together.
How do I get access?
Send us your monthly deal volume and the states you fund in. Request access.