High Rise Capital

Syndicated private equity real estate investments

Experienced Merchant Cash Advance Underwriter

Retail & Commercial BankingConfirmed live in the last 24 hours

Full-timeNew York, NY, USA$50k - $90kIn-person

About the Job

Requirements

Mandatory prior experience in merchant cash advance underwriting.
Strong understanding of merchant cash advances and alternative business financing.
Ability to analyze business bank statements and assess cash flow.
Knowledge of merchant cash advance stacking, existing positions, payback structures, and risk assessment.
Ability to identify fraudulent documentation and high-risk transactions.
Strong analytical, organizational, and decision-making skills.
Ability to work independently in a fast-paced funding environment.
Excellent communication skills and attention to detail.

Responsibilities

Evaluate existing positions, outstanding advances, daily or weekly payments, and stacking exposure.
Assess business risk, repayment ability, non-sufficient funds activity, negative balances, and overall financial health.
Determine appropriate funding amounts, terms, factor rates, and positions based on risk.
Review credit reports, business information, and other supporting documentation.
Identify potential fraud, inconsistencies, and red flags in submitted applications.
Communicate with sales representatives, brokers, and funding partners to obtain additional information.
Make timely, well-supported underwriting decisions while maintaining deal quality.
Manage a pipeline of applications efficiently and meet underwriting turnaround expectations.

Experienced Merchant Cash Advance (MCA) Underwriter

High Rise Capital · New York, United States · Full-time · Posted 2026-10-29

Salary: USD 50,000–90,000

Workplace: on_site

Description

Highrise Capital is seeking an experienced Merchant Cash Advance (MCA) Underwriter to join our growing business funding team. The ideal candidate must have prior hands-on experience underwriting merchant cash advances or alternative business financing and possess a strong understanding of risk assessment, cash flow analysis, and deal structuring.

This is not an entry-level position. Candidates must have previous MCA underwriting experience and the ability to independently evaluate business funding applications, analyze bank statements, assess risk, and make informed funding decisions.

Evaluate existing positions, outstanding advances, daily or weekly payments, and stacking exposure.
Assess business risk, repayment ability, NSF activity, negative balances, and overall financial health.
Determine appropriate funding amounts, terms, factor rates, and positions based on risk.
Review credit reports, business information, and other supporting documentation.
Identify potential fraud, inconsistencies, and red flags in submitted applications.
Communicate with sales representatives, brokers, and funding partners to obtain additional information.
Make timely, well-supported underwriting decisions while maintaining deal quality.
Manage a pipeline of applications efficiently and meet underwriting turnaround expectations.

Requirements

Mandatory prior experience in MCA underwriting.
Strong understanding of merchant cash advances and alternative business financing.
Proven ability to analyze business bank statements and assess cash flow.
Knowledge of MCA stacking, existing positions, payback structures, and risk assessment.
Ability to identify fraudulent documentation and high-risk transactions.
Strong analytical, organizational, and decision-making skills.
Ability to work independently in a fast-paced funding environment.
Excellent communication skills and attention to detail.

Benefits

Health Care Plan (Medical, Dental & Vision)
Retirement Plan (401k, IRA)
Life Insurance (Basic, Voluntary & AD&D)
Paid Time Off (Vacation, Sick & Public Holidays)
Family Leave (Maternity, Paternity)
Training & Development

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About the Company

High Rise Capital

Syndicated private equity real estate investments

High Rise Capital offers passive, syndicated investments in commercial real estate, mainly multifamily properties, to investors. Investors buy direct fractional ownership in specific opportunities while the firm handles deal sourcing, financing, and project management, with a third-party manager running daily operations; tax benefits are passed through via depreciation on Schedule K-1. It differentiates itself by offering fractional ownership in individual deals (not a public REIT) and by emphasizing value-add renovations, operational improvements, and education about CRE. Its goal is to help investors build generational wealth and create passive income while supporting safe, clean housing and community needs.

Company size: 1-10
Company stage: Not listed
Total funding: Not listed
Headquarters: New York City, New York
Founded: Not listed

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