Match every debit
We ingest your bank feed and MCA agreement, then compare every pull against the contracted factor rate, schedule, and fee structure.
Services — Reconciliation
Get Your Fucking Money Back
We compare the total debits pulled from your bank against the factor rate and terms in your contract — then automate the audit and fight funders to get your money back.
When daily debits exceed what your contract allows, you lose margin every week — and most businesses never catch it until they've stacked another advance.
The foundation of fair payoffs
Every debit should match the contract
Merchant cash advance reconciliation is the process of comparing what your funder contracted to charge — factor rate, fees, schedule — against what they actually pulled from your account.
- Line-by-line debit matching against contract terms
- Factor rate and fee verification
- Identification of double debits and unauthorized pulls
- Recoverable amount calculated automatically
Contract says
Factor 1.35 · $950/day
Bank shows
Factor 1.40 · $1,050/day
Contract says
Mon–Fri debits only
Bank shows
Weekend debits detected
Contract says
5% origination (disclosed)
Bank shows
Hidden admin fees
What you get
Find overcharges. Recover them. Move on.
Flag contract violations
Double debits, incorrect factor rates, unauthorized fees, and miscalculated payoffs — surfaced automatically with dollar amounts attached.
Automate recovery
From audit to funder dispute, Alic handles the process so you don't spend hours on hold or hire a lawyer for every overcharge.
How it works
From contract to refund in four steps
Connect accounts
Link your bank and upload MCA agreements. Read-only access — we never move money without you.
Parse contract terms
We extract factor rates, fee schedules, debit frequency, and payoff terms from your agreements.
Compare every debit
Each transaction is matched against what your contract allows. Overcharges are flagged with recoverable amounts.
Recover overcharges
Our team disputes with funders on your behalf. No upfront cost — we only win when you do.
Two paths. One goal.
See the audit yourself — or let us handle recovery
Dashboard audit
Connect your accounts and see a live reconciliation summary — every overcharge categorized with recoverable totals.
- Real-time debit matching
- Contract vs. actual breakdown
- Exportable audit report
Full-service recovery
Our reconciliation team takes your audit, disputes with funders, and fights to get every overcharged dollar back.
- Direct funder disputes
- Illegal practice identification
- No upfront cost
Live reconciliation
See exactly what they overcharged
Your reconciliation dashboard breaks down every recoverable category — double debits, factor rate errors, hidden fees, and payoff penalties — with a running total you can act on.
- Full audit of MCA agreements and debits
- Identification of overcharges and illegal practices
- Direct recovery — we fight the funders for you
Reconciliation Summary
Double debits detected$2,840
Incorrect factor rate$4,120
Unauthorized fees$1,890
Early payoff penalty$3,500
Total recoverable
$0
$0
Avg. recovery per audit
$0
Largest single recovery
$0
Upfront cost to you
The reconciliation team found $18,000 in double debits I never would have caught. That paid for a year of Alic and then some.
Stop leaving money
on the table.
Upload your MCA agreements and bank data. We'll show you what's recoverable — and fight to get it back.