DataMerch tells you who already defaulted. Comet at $299/mo works both ways: spot which merchants in your portfolio are renewal-ready before competitors poach them, and catch stacking exposure before a second position becomes your default.
Demo uses your actual merchants. We pull live signals on businesses you've already funded.
Defense and offense from the same data feed — catch the merchants about to blow up, and find the ones ready to re-fund profitably before your competition calls them first.
Comet tracks monthly revenue trends from banking and processor data, surfacing merchants with accelerating growth — and flagging the ones quietly declining before you'd ever notice in a standard underwrite.
A composite risk score built on 40+ behavioral signals: NSF frequency, days-cash-on-hand, processor chargeback velocity, and industry-specific stress markers. Updated weekly on every merchant in your portfolio.
Comet detects MCA stacking before it becomes your problem. See when a merchant you've funded has taken on additional advances — so you can get ahead of over-leveraged defaults instead of reacting to them.
Comet scores every merchant in your existing portfolio for renewal probability — identifying who is most likely to re-fund profitably before their advance term ends. Call the right merchants first, before a competitor does.
Most MCA tools are purely defensive — they tell you who already failed. Comet's renewal-probability signal flips the model: your funded portfolio is a revenue pipeline. Comet tells you which merchants are ready to re-fund with strong repayment likelihood, so you can call them proactively instead of waiting for a competitor's offer to show up first.
We pull live Comet signals on merchants from your actual portfolio — not generic examples. Brokers who see the demo get it immediately.
All signals. All merchants. Unlimited users. Cancel anytime.
Comet is signal-based underwriting intelligence for merchant cash advance (MCA) brokers and funders. It tracks renewal-ready merchants, catches stacking before it becomes a default, and surfaces risk signals before you fund.
Default databases are backward-looking — they tell you who has already defaulted. Comet is forward-looking: it highlights which merchants are renewal-ready and flags stacking exposure before you commit capital, so you can grow your book while avoiding preventable losses.
MCA brokers and funders who want to underwrite on forward-looking signals — fundability, renewal timing, and stacking risk — instead of relying only on historical default lists.
Comet is one flat price for full access. You can request a personalized demo that runs against your own merchant book at comet.jonlynchfinancial.com.