The operating systemfor MCA brokers
The texting, the applications, the bank statement reading, the lender offers.
We built every piece ourselves, so it all just works together.
We do everything.
And it's all ours.
Lyte runs your whole deal, start to finish. And we didn't plug any of it in — the SMS is ours, the apply form is ours, the underwriting engine is ours, the automations are ours. One login does it all.
Scroll — the deal unfolds one stage at a time.
AI That Texts Back
The AI answers every reply in seconds and qualifies the lead.
See it in the productThe Built-In Dialer
Reps call every lead from the browser and hand live calls to closers in one click — AI writes the call notes.
See it in the productBranded Apply Forms
Your own apply form collects the application, docs, and e-signature.
Sub to Lenders
Send the file to your lenders in one click — offers automatically route back into the system.
See it in the productFunding & Commissions
Contracts e-signed, the wire lands, commissions tracked.
Renewals on Autopilot
Renewal windows surface themselves — the cycle restarts.
And every stage
works while you don't.
Any status on any deal can fire an automation. Chase the missing statements daily until they land. Nudge a contract that's sat out too long. Send the approval the second the numbers come back. Reopen a renewal at halfway paid down. A few clicks and it's live.
lyte SMSStages 01–02 · Outreach & Conversations
You hit send.
The AI does the talking.
Blast thousands of leads from numbers that live inside Lyte — no third-party texting app. When they text back, the AI answers every single one, in seconds.
Answers in seconds
“who's this?” gets a reply in 4 seconds — every lead, every time, around the clock.
Qualifies & sends the app
It asks revenue, captures the email, and sends the application over — hands-free.
Never lets a lead go quiet
Follow-ups and callbacks book themselves until the application is in.
One real thread — the AI qualified it, sent the application, and answered the objection
The real inbox — pins, labels, AI controls, follow-up flows, and the lead pipeline in one screen
lyte DialerStage 03 · On the phone
The dialer built into Lyte.
It takes its own notes.
Reps call every lead straight from the browser and hand live calls to closers in one click. Lyte records, transcribes and summarizes every conversation — straight onto the deal.
One click and it's ringing
Every lead carries a Call button. The browser is the phone — your number is the caller ID.
AI writes the call notes
Every call recorded, transcribed and summarized — the numbers the merchant said land on the lead by themselves.
Transfer to a closer in one click
Inbound rings the right rep with the lead attached — and any live call hands off to a closer mid-conversation. Ring out? Voicemail and instant alerts.
Recorded · transcribed · summarized · transferred — every call, on the lead, by itself
lyte UnderwritingStage 05 · Underwriting
Underwriting, done for you
Drop in the bank statements and Lyte does the reading — pulls the numbers, finds hidden positions, catches tampered files. Our own engine, so statements never leave the platform.
Bank statement analysis
Underwrite in seconds, not hours.
A merchant's statements land in your inbox — but pulling revenue, withdrawals and balances by hand takes forever, and a fat-fingered number can blow the deal.
Now Lyte reads every page automatically — monthly revenue, withdrawals, average daily balance and negative days — and flags NSF events, tampered PDFs and other red flags before a lender ever sees them.
Bank Statement Analysis
3| Period | Bank / Acct | Revenue | Withdrawals | Txns | Neg Days | Avg Daily Bal | Ending Bal |
|---|---|---|---|---|---|---|---|
| May 2026 | Chase, ····4471 | $142,800 | $125,100 | 226 | 0 | $21,300 | $28,750 |
| Apr 2026 | Chase, ····4471 | $145,200 | $129,800 | 231 | 1 | $19,900 | $24,500 |
| Mar 2026 | Chase, ····4471 | $138,500 | $121,400 | 214 | 2 | $18,600 | $22,150 |
| Avg | $142,167 | $125,433 | 224 | 3 | $19,933 |
Position detection
See every stacked advance.
The merchant swears they only have one position — but stacked advances hide in the transaction history and quietly tank your approval.
Now Lyte surfaces every active and closed position — payment cadence, balance remaining, and the funding deposit that proves it, down to the page.
Positions
2Lender offers
Place the deal faster.
You blast a deal out to lenders — then live in your inbox chasing replies and re-keying terms into a spreadsheet to compare them.
Now every offer streams back into one view: amount, factor, term and payment, side by side, so you pick the best and fund.
Lender Offers
3Watermark & fraud detection
Flags tampered PDFs and altered figures before they reach your lenders
NSF & overdraft tracking
Every negative-balance event counted and highlighted automatically
Multi-statement merge
Upload 1–12 months across multiple accounts — Lyte merges them correctly
Works with any bank
Chase, BofA, Wells Fargo, TD, Regions — PDF or CSV, Lyte reads them all
lyte SubsStage 06 · Placement
Submit by API & email.
Lender offers come back into the system on their own.
01Pick your lenders
02One send
Ryan Brooksryan@sunrisecapital.comvia GmailHi {lender_name},
Please see the attached submission for Sunrise Auto — Automotive Repair, FL.
Requested $150,000 · avg revenue $142,167/mo · 6 yrs TIB · FICO 682.
API lenders get a direct submission · email lenders get this package
03Offers land — on their own
read from your inbox · logged automaticallyA working miniature of the real flow — the full modal carries all 34 lenders, grades, and your notes on every funder
lyte AutomationsRun any automation
on any status or deal.
A few clicks and it's live — six ship ready to turn on.
Missing documents chase
Email the merchant every day until their statements arrive.
Stips reminder
Chase outstanding stips daily so funding never stalls.
Contract signing nudge
Remind merchants to sign while the contracts are out.
Approval follow-ups
The moment an offer with numbers lands, the merchant gets your approval email and SMS — then it re-sends until they move.
Renewal outreach
Reach out the moment a funded deal is halfway paid down — prime renewal territory.
Deal completed check-in
Congratulate merchants who finish their payback, and open the door to the next deal.
Or build your own — any stage, any delay, any repeat, down to the days of the week and the hours you're allowed to send.
Get startedYou've seen the surface.
It goes a lot deeper.
More tools, more automation, more ways to run and grow a shop — the rest of the platform is shown once you're inside.
Shown to signed-up shops only