Submission to funding, same day.
The same three steps whether the file comes from an ISO shop or straight from a business owner.
The three steps
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01 · Submission
Submission
Our submissions email receives your application: three months of recent bank statements and a completed one-page funding application. ISOs submit on behalf of the merchant; merchants can apply directly on this site.
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02 · Review
Review
The underwriting team reviews the file for an approval or a decline. Because we are purchasing future receivables, we look at bank statements to size an offer that maximizes the business's profitability while respecting its current expenses. Approvals come back in about an hour.
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03 · Funding
Funding
You receive our offer. If you accept, we need two more items: a color copy of the driver's license and a voided check. Once signed agreements and stipulations are in, funds are wired within 24 hours, usually the same day.
If you're an ISO
Sign up once (about 15 minutes), then submit files as they come. Your sales team owns the merchant relationship; we own underwriting, funding, and servicing. Commission is paid on funded deals.
If you're a business owner
Fill out the application, attach statements, and our team reviews it the same business day and follows up. No obligation until you accept an offer.
Timing at a glance
| Step | Typical time |
|---|---|
| ISO sign-up and set-up | 15 minutes |
| Approval or decline | About 1 hour |
| Funding after stips | Same day |
| Latest funding after signed agreements | Within 24 hours |