For ISOs & brokers
ISO programs by paper grade and position
Find the lane your file fits and send it to the right desk the first time. Every number is a range — terms are set per file.
Programs
First Position — A/B Paper
Established businesses with clean banking and no open advance. Monthly deposits from about $15,000; 6–12+ months in business; fair to strong credit; $10,000 to $1,000,000+; 1st position (some 2nd); terms about 4–18 months.
Submit a deal in this programB/C Paper — 0–2 Positions
Our biggest need: healthcare, contractors and service businesses with some bumps on the statements. Monthly deposits about $15,000–$50,000+; 12+ months preferred; credit 500+ considered; $10,000 to $500,000; 1st or 2nd position; terms about 4–12 months.
Submit a deal in this programSmall & Early-Stage (Micro)
Smaller requests and younger businesses. Monthly deposits from about $10,000–$20,000; from 3–6 months in business; all credit grades considered; $2,500 to $25,000; terms about 2–9 months.
Submit a deal in this programLarger Deals — up to $5M
Strong-revenue files that need more capital. Monthly deposits from about $120,000; 6–12+ months in business; $250,000 to $5,000,000 for qualifying files.
Submit a deal in this programHard-to-Place Industries
Trucking, construction and other industries many programs pass on, when revenue is strong. Monthly deposits from about $50,000; 12+ months in business; fleet size and equipment confirmed per file.
Submit a deal in this programProgram questions
What ISO programs does Workable Funding offer?
Five programs: First Position A/B paper, B/C paper with 0–2 positions, Small & Early-Stage (micro, $2,500–$25,000), Larger Deals up to $5M for qualifying files, and Hard-to-Place Industries such as trucking and construction when revenue is strong. Terms are set per file.
Which deals does Workable Funding most want from ISOs?
First- and second-position B/C paper files with about $15,000–$50,000 a month in deposits and 0–1 existing positions — mostly healthcare, contractors and service businesses.
What industries are not offered?
Gambling, adult entertainment, cannabis, auto dealerships, credit repair, debt collection, check cashing and bail bonds.
What factor rates and commission apply?
Factor rates are about 1.15–1.50, set per file. Partners may earn up to 12 points on eligible deals, confirmed per file and not guaranteed.
How fast do program files fund?
Typically 48–72 hours after approval. Workable Funding funds directly or through our capital partners. All partner contact is in writing.
Related: ISO partner program · Become a broker · Canadian ISOs · Funding answers
Questions? Email the desk.
Everything is handled in writing: hello@workablefunding.com.