What Xalber does

Xalber is a privately held U.S. software company founded in 2015 and headquartered in Hewlett, New York, that builds a modular Business Transaction System purpose-built for the Merchant Cash Advance (MCA) industry. The platform is architected natively within the Salesforce Sales Cloud ecosystem and is delivered as eight integrated modules — GOTO-MARKET, SELL, ANALYZE, PRICE, REMITTANCE, TRACK, OPTIMIZE, and RAISE FUNDS — that together cover the full MCA funding lifecycle: marketing attribution and media bidding, in-house sales with ClickWrap eSign, document collection and risk analysis, dynamic pricing, investment execution and account servicing, transaction and remittance-to-runner (RTR) pacing tracking, real-time ROI and workforce performance reporting, and static pool analysis with borrowing base reporting for capital raising. The company reports that its engineers have experience with contact center integrations, eContracts, and scalable storage within the Salesforce ecosystem, and that its customer base spans the full operating-size range of the MCA vertical, from single-operator shops to teams of six or more underwriters and twelve or more salespeople.

Xalber's go-to-market is direct, with sales and support handled via a single published phone number and a general [email protected] inbox; the website lists no published pricing tiers, customer counts, or case studies. Its technology stack extends beyond Salesforce through formal integrations with DocuSign (eSign), Experian (credit and risk data), GoCardless (payment processing and remittance), and Amazon (cloud infrastructure), each referenced as a partner on the company's About page. The company does not disclose revenue, funding, ownership, or management in the available source data, and reports a headcount of 1-10 employees. The revenue model is therefore opaque, but the SaaS-style modular platform, Salesforce-native delivery, and vertical-specialist positioning are consistent with a subscription or per-seat licensing structure sold to MCA funders, with no publicly disclosed tiers, contract terms, or transaction-based pricing components.

Name

Xalber

Legal name

Xalber

Website

https://xalber.com

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

1–10 employees

Short description

Xalber builds a modular Business Transaction System on the Salesforce Sales Cloud for U.S. Merchant Cash Advance funders, covering campaign tracking, sales, underwriting, pricing, remittance, and investor reporting across the full funding lifecycle.

Ownership category

akta.pro rank

Product category

Merchant Cash Advance Operations Software

NAICS

Software Publishers (5132)

SIC

Services-Prepackaged Software (7372)

akta.pro primary industry

Merchant Cash Advance (MCA) Marketplaces (FSAKAHAI)

akta.pro secondary industries

Merchant Cash Advance & Payment-linked Lending (CRAFALAK), Loan Origination Platforms (LOS) & Digital Application Journeys (FSAGAHAA)

Keywords

• Merchant cash advance software
• MCA funding operations
• Salesforce sales cloud platform
• Underwriting risk analysis
• Transaction tracking system

Headquarters

HQ city

New York

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales

Core offering

Xalber offers a modular cloud-based Business Transaction System built within the Salesforce Sales Cloud ecosystem for companies in the Merchant Cash Advance (MCA) industry. The platform covers the full MCA lifecycle including go-to-market campaign tracking, in-house sales management with ClickWrap eSign, document collection and risk analysis, dynamic pricing, investment remittance, real-time transaction and RTR pacing tracking, workforce performance analytics, and automated fund-raising reporting.

Product overview

Xalber offers a modular Business Transaction System built for the Merchant Cash Advance industry. The platform consists of eight integrated modules: GOTO-MARKET (campaign tracking and conversion optimization), SELL (in-house sales and ClickWrap eSign), ANALYZE (document collection and risk analysis), PRICE (pricing determination and risk), REMITTANCE (investment execution and account servicing), TRACK (transaction and failure monitoring), OPTIMIZE (real-time ROI and workforce performance), and RAISE FUNDS (pool analysis and borrowing base reporting). These modules work together to support operations ranging from small single-person teams to large operations with multiple underwriters and salespeople.

Differentiator

Problem solved

Functional benefit

Products and services

• Business Transaction System A modular business operations platform built for high-volume transaction processing, sales management, risk assessment, and reporting in the Merchant Cash Advance industry. It is purpose-built for MCA funders and serves operations ranging from single-operator teams to large enterprises with multiple underwriters and salespeople.

Segments1 record

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature5 records

Partnerships

Four partnerships are on record, tiered core.

• SalesforcecoreTechnology or IntegrationXalber's platform is built within the Salesforce Sales Cloud ecosystem, leveraging its components and infrastructure for contact center integrations, scalable storage, and eContract capabilities.
• DocuSigncoreTechnology or IntegrationIntegration for ClickWrap electronic signature functionality within Xalber's sales workflow and contract processing capabilities.
• ExperiancoreTechnology or IntegrationCredit data and risk assessment integration partner for document collection, issue flagging, and risk analysis features in the MCA underwriting process.
• GoCardlesscoreTechnology or IntegrationPayment processing and remittance integration for investment management and account servicing within the platform.

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• Salesforce Financial Services Cloud: Salesforce Financial Services Cloud is the platform Xalber is built on and the most important incumbent. It is comparable as an enterprise platform serving financial institutions with CRM, onboarding, and relationship-management capabilities, and it represents both Xalber's foundation and a potential competitive threat as Salesforce expands native lending features.
• Temenos: Temenos is a global core banking and lending platform serving retail, commercial, and SMB lenders. It is comparable to Xalber as a broad enterprise vendor of lending software, although Temenos operates at significantly larger scale and serves banks rather than MCA funders specifically.
• nCino: nCino is a publicly traded, Salesforce-native banking platform offering loan origination, account opening, and portfolio management. It is a strong comparable to Xalber because it is also built on Salesforce and serves commercial/SMB lenders with end-to-end lending workflows, but at a much larger scale and broader scope than Xalber's MCA focus.

Direct peers

• Abrigo: Abrigo provides commercial lending, credit risk, and loan origination software to community banks and SMB lenders. It is comparable to Xalber as another SaaS vendor selling workflow and credit-decisioning software into small-business lending institutions, with overlapping modules for underwriting, document collection, and portfolio reporting.
• LendingPad: LendingPad is a loan origination system (LOS) widely used by mortgage and small-business lenders. It is comparable to Xalber as a workflow platform that handles document collection, risk/pricing decisions, and pipeline tracking for non-bank lenders, even though LendingPad's primary focus is mortgage rather than MCA.
• Baker Hill: Baker Hill delivers commercial loan origination, risk analysis, and portfolio management software to banks and alternative lenders. It is comparable to Xalber because both target small-business and commercial lenders with workflow tooling for underwriting, pricing, and ongoing portfolio tracking.

Emerging players

• Lendio: Lendio operates an MCA and small-business financing marketplace, connecting applicants with funders. It is comparable to Xalber as a participant in the same MCA ecosystem, though Lendio is a marketplace/funding platform rather than a back-office software vendor.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks4 records

Key highlights5 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Xalber