Start With the Question You Need to Answer
These resources help business owners understand funding and help ISO partners prepare better submissions and operating processes. Read the current product and submission guidelines alongside any general article; program availability and actual offer terms can change.
Preparing a deal?
Start with the core documents and check for missing information.
Use the submission checklistComparing offers?
Understand who provides capital and how to compare the full obligation.
Compare funder and broker rolesGrowing an ISO?
Build a repeatable plan for partners, people, lead sources, and follow-up.
Read the ISO business playbookBrowse the Resource Library
Business Opportunity Brief: Take Advantage of Your Season
Five seasonal revenue plays — gyms in January, tax pros at the Dec. 31 deadline, HVAC at the first heat wave, landscapers at spring sign-ups, wedding vendors in engagement season — each with the season, the play, and the sale to advertise before the spike hits.
Read the brief →How to Build a 13-Week Cash Flow Forecast
Map weekly receipts, bills, and financing payments with a worked cash-flow example, a downside scenario, and a practical weekly review process.
Read guide →How Much Working Capital Does Your Business Need?
Estimate a working-capital request from cash timing, a reserve, and available resources rather than choosing the largest advertised funding amount.
Read guide →Planning Funding for a Seasonal Business
Prepare for a seasonal cash gap with a month-by-month plan, inventory milestones, slower-sales scenarios, and an off-season payment review.
Read guide →Inventory Funding: A Purchase Planning Checklist
Evaluate inventory financing needs using landed cost, sell-through, gross margin, supplier deadlines, and a slower-sales cash-flow scenario.
Read guide →How to Assess a Payroll Cash Flow Gap
Separate a temporary collection delay from a recurring payroll shortfall, calculate the gap, and review funding against the next payroll cycle.
Read guide →Repair or Replace Business Equipment? A Funding Checklist
Compare repair, rental, and replacement using downtime, installation costs, useful life, and payment timing before financing business equipment.
Read guide →Build a Business Expansion Budget Before Applying for Funding
Budget for a new location or added capacity with startup costs, a cash runway, opening milestones, and a delayed-revenue scenario.
Read guide →How to Compare Business Funding Offers Side by Side
Compare written offers using net cash, total payments, payment dates, fees, security obligations, and early-payoff terms—not a headline rate alone.
Read guide →Factor Rate vs. APR: Understanding Funding Cost
See how a factor-rate calculation differs from an annualized rate, with an illustrative example and the cash-flow details needed for a comparison.
Read guide →Net Funding Proceeds: How Much Cash Will Reach Your Business?
Reconcile a funding amount with fees, prior-balance payoffs, direct vendor payments, and the cash actually available for your business project.
Read guide →Daily vs. Weekly Business Funding Payments
Translate daily and weekly obligations into a cash calendar, compare collection timing, and test the effect of a slower-revenue week.
Read guide →Preparing Business Bank Statements for a Funding Review
Prepare complete statements, explain unusual deposits, reconcile business names, and share records through the approved submission channel.
Read guide →Questions to Ask Before an MCA Renewal
Review a renewal's new cash, prior payoff, full obligation, and current revenue before assuming another advance improves the business's position.
Read guide →Business Term Funding vs. Line of Credit: Match the Funding Need
Compare a defined lump-sum project with recurring draw needs, and review fees, availability, repayment, and cash timing in actual offers.
Read guide →How to Verify a Business Funding Provider Before Sharing Documents
Check a funding company's identity, written offer, document channel, and disbursement instructions before sharing business records or accepting terms.
Read guide →MCA Submission Checklist
Prepare four complete statements, a signed application, and clear deal notes.
Read guide →MCA Underwriting Explained
Understand cash-flow review, existing obligations, verification, and common delays.
Read guide →Direct Funder vs. Broker
Compare roles, offer terms, commissions, and servicing responsibilities.
Read guide →Build an ISO Business Plan
Plan merchant focus, partner relationships, costs, lead sources, and operating controls.
Read guide →How to Scale Your ISO Business
Strengthen submissions, train representatives, and measure the path from inquiry to funding.
Read guide →MCA Industry Outlook
Review practical industry developments and questions for evaluating market claims.
Read guide →Explore Business Financing by Product
Learn about merchant cash advances, term fundings, business lines of credit, and equipment financing. Compare net proceeds, total cost, payment timing, security, and how the product fits the intended use.
Submission Basics to Keep Handy
- Use the $25,000 monthly revenue starting requirement and check product-specific guidelines.
- Prepare a signed application and four recent complete business bank statements.
- Disclose existing financing and provide requested verification.
- Send sensitive documents only through the approved secure channel.
- Confirm the assigned contact and next action after submitting.
Review the full guidelines and contact the team for file-specific questions. Educational articles do not guarantee eligibility, approval, savings, or funding timing.
A Short MCA Glossary
- Factor rate: A multiplier used to calculate a contracted remittance amount; it is not APR.
- Holdback: The agreed share of sales collected toward an advance. Scheduled debits and reconciliation procedures require separate review.
- Position: Industry shorthand for an advance's place among existing obligations. Disclose every balance and payment schedule; the label alone does not establish legal priority or eligibility.
- Buy rate: A pricing term used in some provider-partner arrangements. Confirm how it relates to the merchant offer and commission in the written agreement.
- NSF days: A term used when reviewing insufficient-funds activity. Definitions and counting methods vary; ask the reviewer what is being measured.
- Reverse consolidation: A marketing term for arrangements intended to help manage existing advance payments. Structures, costs, and obligations vary. It does not automatically reduce debt or total cost, and availability through Logic Advance is not implied.
Have Better Merchant Conversations
If a merchant questions a factor rate or payment burden, compare net proceeds, total remittance, frequency, and alternatives using the actual offer. Explain holdbacks and reconciliation before signing. Do not promise savings or a better closing rate from a sales script.
When a merchant describes a poor prior experience, listen, clarify your role and compensation, and explain where the application will go. Give the merchant time to review the agreement, ask questions, or decline. A complete file and honest expectations support a useful review; they do not guarantee approval.
Full, uncropped statements let the reviewer see the complete record. Flag seasonality, unusual deposits, and all existing positions early. Ask what credit checks are required rather than promising no credit impact. To refer a business or submit as an ISO, start with the partner program and confirm the onboarding process and written terms.
Frequently Asked Questions
Where should a new ISO partner start?
Read the ISO business playbook, partner program, and current submission guidelines. Confirm the written partner agreement and approved submission process before sending files.
Where can I find the current document checklist?
Use the MCA submission checklist and current guidelines. The starting package includes a signed application and four recent complete business bank statements; additional records may be requested.
Are the articles personalized financing advice?
No. They explain general concepts and preparation steps. Your program eligibility, pricing, obligations, and timing come from the actual review and written agreement.
How do I compare different financing products?
Compare the same funding need using net proceeds, total cost, payment frequency, expected duration, security obligations, and early payoff or reconciliation terms. Review the individual product pages for context.
How can I ask a question about an article or application?
Use the contact page or your assigned Logic Advance contact. Do not include passwords, financial account details, or sensitive documents in a general message.
Availability, pricing, approval, and funding timing depend on the program and underwriting. Review your written offer and agreement before accepting financing.