ConvergeHub and MCA Track are both used by merchant cash advance businesses, but they are designed around different parts of the operation. MCA Track is purpose-built MCA software focused on the funder side: underwriting, syndication, ACH servicing through its sister product GoACH, and portfolio reporting. ConvergeHub is an all-in-one MCA CRM that combines sales, marketing, service, and billing, with an MCA edition built to move merchants from inquiry to funding and renewal. The better choice depends on whether your priority is managing money after funding or managing deals and merchant relationships before and around it.
This comparison of ConvergeHub and MCA Track uses information published by each vendor and by software directories as of September 2026. For a wider view of the market, see our guide to the best merchant cash advance CRMs for brokers and funders.
| Category | ConvergeHub | MCA Track |
|---|---|---|
| Product focus | All-in-one small business CRM with a dedicated MCA edition | MCA-specific CRM and servicing platform for funders, ISOs, and syndicators |
| Company | ConvergeHub, founded 2013 | Unity FI Solutions LLC, Charlotte, NC; serving the MCA industry since 2010 |
| Best fit | Brokers, ISOs, and small to mid-size funders focused on deal flow, documents, and renewals | Funders and syndicators managing portfolios, syndication splits, and ACH collections |
| Pricing model | Published, per user per month | Usage based by deal volume and modules; quote required |
| Free trial | Yes, no credit card required | Directories list a free version; demo on request |
| Deal workflow | Inquiry-to-funding workflow, deal cases with owners and milestones, document checklists, offer letter tracking | Deal pipeline and lead management with routing to underwriting |
| Underwriting | No built-in underwriting module or native bank statement or credit report integration listed; connects outside tools through its REST API and webhooks | Stip standardization, bank statement review, and risk scoring |
| Syndication | Syndication and commission tracking in the MCA edition | Multi-funder splits, syndicator positions, returns, and management fees |
| ACH servicing | Invoicing and payment tracking; collections reminders | Remittance scheduling and reconciliation, with ACH processing through GoACH |
| Renewals | Renewal and collections tracking on the deal record | Automated renewal detection |
| Marketing and service | Native email marketing automation, SMS, case and ticket management, knowledge base | Not a focus of the product |
| Portals | Customer portal on Premium and Enterprise plans; agency portal on Enterprise | White-label ISO and syndicator portals; branded merchant portal |
MCA Track is merchant cash advance software built by Unity FI Solutions, the same company behind the GoACH payment processor. It has served the MCA industry since 2010, and the company says more than 150 funding companies run on the platform. MCA Track describes itself as a CRM and servicing system for funders, ISOs, and syndicators.
On its MCA CRM page, MCA Track lists deal pipeline and lead management, underwriting tools for stips, bank statement review, and risk scoring, funder and syndication management that splits one advance across multiple parties, ACH remittance scheduling and reconciliation, renewal tracking, and real-time portfolio and ISO production reporting. GoACH handles the money movement, while MCA Track manages the deals, portfolios, and syndication behind it.
ConvergeHub is an all-in-one CRM for small and mid-size businesses that brings sales, marketing, customer service, and billing into one platform. Its merchant cash advance CRM edition is built around the front office of an MCA shop: capturing merchant inquiries, collecting documents, sending offer letters, moving deals to funding, and bringing merchants back for renewals.
Each MCA deal in ConvergeHub is a trackable case with an assigned owner and milestones. Document checklists trigger automated reminders to merchants, offer letters are tracked with an audit trail, every call and email sits on one merchant timeline, and renewals and collections are tracked against the original deal. Plans include custom fields, mandatory fields, role-based permissions, audit logging, a REST API, webhooks, and integrations with DocuSign, Twilio, Stripe, Outlook, Zoom, and Calendly.
Both platforms manage a deal pipeline. ConvergeHub puts more weight on what happens around each deal: owners, milestones, document follow-ups, offer letters, and a complete communication history. It also includes native email marketing, drip sequences, SMS, and case management, so outreach, support, and renewals live in the same system as the pipeline. MCA Track’s pipeline is designed to route submissions from ISOs and brokers into underwriting and funding.
MCA Track advertises underwriting tools for standardizing stips, reviewing bank statements, and scoring risk. ConvergeHub does not advertise a native underwriting module; its document checklists collect statements and stips, flags missing documents, and checks for stacking before funding. Its published integrations (DocuSign, Stripe, Twilio, Outlook, Zoom, Calendly, and AI assistants) do not include a bank statement analysis provider, so teams that need automated statement analysis connect a dedicated tool through the REST API or webhooks. MCA Track’s sister product, MCA Verify, covers that step with AI bank statement analysis and stacking detection.
This is MCA Track’s core strength. It splits advances across funders and syndicators, tracks each party’s position and return, calculates management fees, and schedules and reconciles daily or weekly remittances through GoACH. ConvergeHub’s MCA edition includes syndication and commission tracking, but it does not advertise ACH remittance processing or management fee calculations. It covers invoicing, payment tracking, and collections reminders, which suits brokers and funders that service advances in a separate system.
ConvergeHub publishes its plan limits, including custom fields, automation rules, and reports, and supports phased adoption, starting with intake and deal tracking before adding automation. MCA Track is built around MCA entities such as merchants, advances, factor rates, holdbacks, and syndicator positions, so it needs less configuration to model funder-side accounting.
The two platforms price in very different ways.
ConvergeHub publishes per-user pricing for every plan. As of September 2026, Sales CRM plans cost $29, $45, and $59 per user per month billed annually, and bundles that add marketing, service, and billing cost $59, $75, and $81 per user per month billed annually. The MCA edition is one of ConvergeHub’s industry-specific solutions, so it falls under the Industry plan, which adds guided product onboarding and white-glove premium support and is priced on request. A free trial requires no credit card.
MCA Track uses usage-based pricing. Its vendor listing on GetApp and Software Advice says pricing scales with deal volume and enabled modules, ranging from $0 to $2,500 per month, and recommends contacting MCA Track for a quote. Because cost is tied to volume rather than seats, a funder with a small team and a large book may pay a different amount than a broker with many reps and fewer funded deals.
MCA Track is likely the better fit if you are:
ConvergeHub is likely the better fit if you are:
Because the two products focus on different stages of the MCA lifecycle, some funders run a CRM for the front office and a servicing platform for the back office. If you are weighing that setup, start with what a merchant cash advance CRM does and map which system should own each step.
MCA Track uses usage-based pricing tied to deal volume and the modules you enable. Its vendor listing on GetApp and Software Advice shows a range of $0 to $2,500 per month, with a quote required for your specific operation.
Both. MCA Track describes itself as a CRM and servicing platform, with particular strength in syndication, ACH remittance, and portfolio reporting for funders.
MCA Track and GoACH are both products of Unity FI Solutions. GoACH processes the ACH payments, and MCA Track manages the deals, portfolios, and syndication behind them.
For most brokers and ISOs focused on submissions, merchant follow-up, documents, and renewals, ConvergeHub’s front-office workflow and built-in marketing tools are a strong fit. Brokers tied closely to a funder’s servicing operation may prefer the funder’s platform.
They cover different stages, so running a CRM for intake and merchant relationships alongside a servicing platform is a common setup. ConvergeHub does not list a native MCA Track or GoACH integration, so data would move through ConvergeHub’s REST API and webhooks, which are included on every plan. Map which system owns each record, such as the merchant, the funded advance, and the payment history, before connecting them.
Yes. ConvergeHub offers a free trial with no credit card required, and lists per-user pricing for each plan on its website.
The fastest way to compare MCA software is to run one real deal through it, from first inquiry to funding and renewal. See how ConvergeHub handles your workflow when you book a ConvergeHub demo, then compare the experience with any platform on your shortlist.
