Underwriting Criteria
Know before you submit
No guessing games. These are the same rules our underwriters use, published so you only send files that stand a real chance.
$8K–$15K
Typical ISO payout on a $100K deal
90 min
Offers during business hours
Same day
Approvals are common
15 business days
Commission payout window
Minimum requirements
We fund
- 6+ months in business
- $15,000+ monthly revenue
- 500+ personal FICO score
- Active business checking account
- All 50 states
- 60+ industries
We don't fund
- Startups under 6 months old
- Under $15,000 monthly revenue
- Under 500 personal FICO
- No business banking relationship
Approval rate: 65–75% on complete applications · offers in 90 minutes during business hours · same-day approvals are common.
Larger deals: files up to $5,000,000 are considered for qualifying files — typically 12+ months in business and $50,000+ in monthly revenue.
What to send with every deal
- Signed one-page application
- Last 3–4 months of business bank statements
- Driver's license or government photo ID
- Voided business check
- Merchant processing statements (if card-heavy)
What makes a file stronger
- Average daily balance above $2,000
- Fewer than 5 negative days per month
- Consistent month-over-month deposits
- No more than 2 existing advances
- Clean landlord and tax status
Deal timeline
- 1Deal submitted with 3 months of bank statementsAny time
- 2Formal offer generated and sentWithin 90 minutes
- 3Approval decisionUsually same day
- 4Client signs electronicallyNext day
- 5Funds wired to the merchant48–72 hours
- 6Commission paid to you15 business days
Need funding for your business?
$10K–$2M, offers in 90 minutes, funding in 48–72 hours.
Apply as a Merchant →Have deals to send us?
Refer a business with no signup, or register as an ISO partner. Competitive commission, paid on a set schedule after funding.
Become an ISO Partner →