Leon, welcome to the forum. Pardon me, but I have to deconstruct your post. I don't mean to say you're a bad guy, nor do I doubt you mean well, but I have to stand up for the truth here.

1) If you're working 100% for the client, then you have a conflict of interest taking any money from the lender (or funder). To be "100% for the client" then you must get a signed fee agreement from the client prior to doing any work, or be getting a salary, and then completely disclose all fees from all sides, and never ever up-sell, and describe the process to the merchant. Anyone involved with MCAs will NEVER do that.

As a broker, that's not my job.
Read my article about it here: https://www.linkedin.com/pulse/how-l...cah-markowitz/

We are middleman who works for ourselves to create a good relationship between the merchant and the lender. We work to cement that relationship, and get paid upon its consummation, sometimes only from one, sometimes a double-dip.

2) If you are looking only for "licensed" lenders, then you're probably going to be short on them. Lenders don't necessary need to be licensed. Banks do in order to be banks, brokers for personal homes do, certain industries provide licenses but they're not recognized by the state, and in California you need to be licensed in order to lend or do an MCA. For example, in NY, you only need a license in order to lend to individuals, or to charge businesses more than the legal interest rate. https://www.dfs.ny.gov/apps_and_lice...censed_lenders

Factors don't need to be licensed, they're buying existing AR. MCAs don't need a license, they're buying future on-existent-yet AR. Etc.

3) Also, as far as "your own app," that's not necessarily going to work. For real estate lenders, for sure not. For factors, I've only found 2 that can use your app (out of the dozens I've worked with). For SBA or banks, definitely not. 0 APR credit card stacking.... nope. I haven't found an equipment lender that can use your app. For most solutions, it probably doesn't have what they need on it (equipment info, real estate info, existing AR and clients, etc). MCAs are about it that you can use your own app really successfully.

There's really no one-size-fits-all lender out there. It's too broad to be selling too many things. And if they did...... they're probably a broker.

Happy to help direct you in the process here, but those are my thoughts.