Explore Logic Advance's merchant cash advance ISO program for brokers and independent sales organizations. Work with a direct MCA funder, review commission and renewal terms, and learn how to prepare a complete merchant submission. Ready to join? Start your ISO partner registration.
Decisions in hours · Commissions same-day or next-day · Simple one-page merchant application
Work directly with the team reviewing your merchant's application. Logic Advance routes MCA submissions to its underwriting desk, giving your brokerage a clear point of contact for documentation, offers, and funding updates.
We've been in the alternative funding space since 2015, and we've built our entire operation around making the ISO experience as efficient and profitable as possible. Our proprietary FundingScore™ engine analyzes merchant data faster than traditional review, giving your merchants faster approvals and your pipeline cleaner flow.
Our proprietary underwriting platform processes bank statement analysis in minutes, not hours — giving your merchants faster answers and your pipeline less friction.
Logic Advance maintains a 5.0 rating on both Trustpilot and Google Reviews. ISO partners consistently highlight our communication speed and reliability as top differentiators.
Maximize commissions across your whole book. We fund MCA, business lines of credit, equipment financing, and term fundings — so you can match every merchant to the right product.
Every ISO partner gets a dedicated account manager — a real person who knows your portfolio and is available to discuss deals, answer questions, and help you close more business.
An ISO, or independent sales organization, introduces businesses seeking capital to a funding provider. In an MCA ISO program, the broker helps the merchant prepare an application, understand an offer, and communicate with the funder. The funding team reviews the business and determines whether it can make an offer; the ISO receives compensation under its partner agreement when an eligible deal funds.
A merchant cash advance provides business capital against future sales. The amount, cost, payment structure, and any early payoff provisions depend on the specific agreement. Brokers should review those details with the merchant before accepting an offer.
Your merchant gains a point of contact who can explain the submission requirements, help organize complete bank statements, and relay questions to the funding team. A useful broker compares the proposed funding amount, total cost, and payment schedule with the business's cash flow and intended use of capital.
Beyond MCA, explore our business line of credit, equipment financing, and term-funding pages. Product availability and qualifications vary; your account manager can help identify which options to discuss for a particular merchant.
Start your ISO partner application, call (800) 403-3170, or email apply@logicadvancegroup.com to discuss your business and current program terms.
Ask any experienced ISO broker what changed the business over the last few years and you will hear the same story: banks tightened, approvals slowed, and good merchants started looking elsewhere. The brokers who kept growing were the ones who added a merchant cash advance ISO program to their offering — because MCA fills the exact gap traditional financing left behind.
Here is why ISO brokers partner with MCA funders, and why the smart ones partner directly:
A merchant with strong revenue but a thin credit file is a dead end at a bank — and a funded deal with an MCA ISO program. Brokers who can only offer one lane watch merchants walk away. Brokers with a direct MCA funder behind them fund the merchants everyone else turns down.
When a merchant needs capital for inventory, payroll, or an expansion opportunity, waiting weeks is the same as a "no." MCA ISO programs are built for decisions in hours and funding in as little as the same day. That speed is what makes merchants remember your name — and send you their friends.
The best MCA ISO programs do not end the relationship at funding. Performing merchants renew, and each renewal pays the ISO again. A book of renewing merchants becomes compounding residual income — the closest thing this industry has to a salary that grows itself.
Too many "ISO programs" are just brokerages reselling someone else's capital: slower answers, thinner commissions, and nobody accountable when a deal stalls. A direct MCA funder underwrites with its own capital, so your submissions go straight to the decision-makers. Faster answers, better commissions, and an account manager who actually picks up the phone.
If you are comparing MCA ISO programs, the question is simple: do you want to be the broker who finds funding, or the broker who watches someone else fund your merchant? Partner directly with Logic Advance and be the first kind.
How ISO brokers actually get paid on merchant cash advance deals
Compensation is the first thing sharp ISO brokers ask about — and the first thing weak programs hide. Here is an honest breakdown of how MCA ISO broker compensation works and what separates the best ISO commission structures from the rest.
The core of ISO broker compensation is the commission earned when a deal funds. It is typically calculated as a percentage of the funded amount and spelled out in your partner agreement before you submit your first deal. The best programs pay it fast — same-day or next-day after funding — because your cash flow matters as much as your merchant's.
When a performing merchant takes a second or third advance, strong MCA ISO programs pay the ISO a commission on every renewal. This is where careers are built: a growing book of renewing merchants produces residual-style income month after month, without new prospecting. If a program does not pay on renewals, you are leaving your biggest long-term income on the table.
Look for four things: transparency (a written rate sheet, not verbal promises), speed (same-day or next-day payouts), renewals (paid on every renewal, not just the first funding), and escalation (better economics as your volume grows). Be wary of programs that quote eye-catching percentages but bury fees, delay payouts for weeks, or cut you out of renewals — the headline number is meaningless if the structure works against you.
Logic Advance publishes its economics in writing, pays commissions same-day or next-day, and pays ISOs on every renewal. Ask for the current commission schedule and compare it line by line with whatever you are earning now.
Everything you need to know before submitting your first deal
We fund merchant cash advances from $5,000 to $1,000,000. Larger advances are available for seasoned businesses with strong cash flow history.
Competitive commission rates paid same-day or next-day after funding. Renewal commissions are available for eligible performing accounts. Rates depend on the product, deal, and partner terms. Ask your account manager for the current commission schedule and a written breakdown of any applicable fees.
Keep it simple: 1-page application, 4 months of bank statements, and a voided check. Additional documents may be requested for larger deals.
Receive a funding decision within hours of complete submission. Same-day approval and funding is available for qualifying merchants.
We consider stacking on a case-by-case basis. Our team evaluates the merchant's position and cash flow to ensure responsible funding that protects your client relationship.
Logic Advance actively renews performing accounts. ISOs earn commissions on every renewal, building a growing residual income stream over time.
Shopping for an MCA ISO program? The strongest programs share the same nine traits. Here are the questions that separate programs worth your pipeline from programs that will cost you money — ask us all nine, then ask whoever you are with now.
Put us to the test: request the commission schedule in writing, ask how renewals are paid, and compare the answers with your current program line by line.
Before you sign anything, scan for these signals. One red flag deserves a hard question; several deserve a pass.
| Feature | Logic Advance ✓ | Broker / Marketplace | Other Direct Funders |
|---|---|---|---|
| Same-Day Funding Decision | ✓ Yes | Sometimes | Varies |
| Same-Day Commission Payout | ✓ Yes | ✗ No (days/weeks) | Varies |
| Dedicated ISO Account Manager | ✓ Yes | ✗ No | Some |
| Renewal Commissions | ✓ Yes | ✗ Rarely | Some |
| All 50 States Funded | ✓ Yes | Depends on funder | Some restrictions |
| Multiple Products (MCA, LOC, Equipment) | ✓ Yes | Marketplace only | Often MCA only |
| Transparent Buy Rates | ✓ Yes | ✗ Hidden layers | Varies |
| Partner Portal / Deal Tracking | ✓ Yes | Some | Some |
Two ways to earn with Logic Advance — pick the one that matches how you work.
You run the brokerage. Submit merchant files, work your dedicated account manager through underwriting, and earn on every funding — plus every renewal from your book.
You know business owners who need capital. Make the introduction — we run the process, keep you in the loop, and pay referral compensation when your referral funds.
A clear path from partner registration to your first funded deal
Complete the ISO partner registration form on our For Partners page with your company and contact details, company type, monthly deal volume, and industry focus. Our team will review your profile and explain the next onboarding steps.
Your dedicated account manager will explain the submission package, current commission schedule, underwriting guidelines, and portal setup. Review any partner agreement or requested documents, return them through the channel your account manager specifies, and confirm your account is ready before submitting a merchant file.
Prepare the signed merchant application and four months of complete business bank statements. Provide a voided check and any other verification requested for the file. Follow the current submission guidelines and include the merchant business name and your ISO company name when submitting by email. Complete files can receive a decision within hours.
Once approved and the merchant signs the agreement, funds are deposited directly to their business bank account. Same-day funding is available for qualifying deals submitted early in the day.
Your commission is processed immediately after funding. Same-day or next-day commission payouts, every time. As your merchant performs and renews, you continue to earn.
"We closed two deals in our first week — $50K and $70K. The speed of Logic Advance's underwriting team is something I haven't seen at any other funder. They actually pick up the phone."
"The renewal program is a real differentiator. I have a growing book of business that generates residual commissions every month. Logic Advance treats their ISO partners like real business partners."
"I've worked with a lot of funders. What makes Logic Advance different is the transparency. I know exactly where every deal stands, what my commission will be, and when it'll hit my account. No games."
Confirm the operating details with your account manager so your team and merchant know what to expect.
Describe your brokerage, merchant industries, typical funding requests, and expected deal volume. Confirm which partner documents are needed, who reviews your registration, and when you can begin submitting. Merchant qualification benchmarks apply to the merchant file; they do not automatically approve an ISO account.
Request the current buy-rate and commission schedule. Confirm the calculation, payout timing, adjustments, renewal compensation, and any fees in your partner terms. A merchant's net proceeds and payment obligations should be clear before you discuss the offer.
Confirm your submission channel, account-manager contact, and portal instructions during onboarding. Keep a record of outstanding documents and the next status update. Ask how to raise an underwriting question or proposed offer adjustment before promising a change to the merchant.
Specific features such as soft credit checks, electronic signatures, white-label contracts, volume bonuses, or reduced-document programs vary across funders. Confirm availability for your Logic Advance relationship and the individual file before including them in your merchant pitch. For practical broker preparation, use our MCA ISO training workflow, submission checklist, and funding-cost guide.
Logic Advance is growing fast, and that growth is deliberate: we are investing in the ISO and broker partners who bring us strong merchants. When you join this merchant cash advance ISO program, you are not signing up with a funder that treats partners as an afterthought. You get a dedicated account manager who knows your pipeline, clear submission guidelines you can plan around, current rate and commission information in writing, and straight answers on where every file stands. As our volume grows, our partner resources grow with it — better communication, clearer tracking, and support that helps you close instead of chase. That is growth shared with partners.
If you have spent months sending files into a black hole — no status, no reason, no call back — you already know how much that costs you with merchants. Here, the search for a funder that respects your work ends. Submit a complete file, get a real review, present a clear written offer, and keep the merchant relationship you built. Your renewals stay connected to your book, your questions get answered, and your next deal gets the same attention as your first. Bring us your best merchants, and grow with a team that is building for partners first.
The Logic Advance ISO program is built around how brokers actually work: register with your company details, get a dedicated account manager, submit a signed application with four months of bank statements, and receive clear underwriting updates and a written offer you can present with confidence. Commissions are paid same-day or next-day after a deal funds, and renewals keep paying on the merchants you brought in. Same-day review and funding may be available for qualifying complete deals, partners fund in all 50 states, and stacking is considered case by case with the full picture disclosed. Everything a broker needs to sell with confidence is confirmed up front, in writing, before the first file moves.
If you have sent deals to funders who sat on files, changed terms at the last minute, or left you explaining delays to merchants you worked hard to win, that search ends here. Here the communication runs both ways: you hear what underwriting sees, what a file still needs, and where an offer stands. Your program specifics are confirmed in writing during onboarding, so the deal you sell is the deal that funds. Bring your best merchants, submit complete files, and build a book with a funder that answers.
A complete ISO submission at Logic Advance is a signed one-page merchant application plus four months of complete business bank statements, and qualifying complete deals can receive a same-day funding decision. The published funding range runs from $5,000 to $1,000,000, with larger advances available for seasoned businesses with a strong cash flow history. Merchant guidelines start at $25,000 in monthly revenue, six months in business, and a 500+ credit score, and partners submit for merchants in all 50 states. Same-day review and funding may be available for qualifying complete deals, and stacking is considered case by case with the full picture disclosed.
Logic Advance is growing fast by investing in the partners who bring those deals: a dedicated account manager, written commission terms, commissions paid same-day or next-day after a deal funds, and renewal commissions on every renewal. If funders have sat on your files, changed terms at the last minute, or left you explaining delays to merchants you worked hard to win, you found them, finally. Your search ends here. Send the complete file, present the written offer with confidence, and build a book with a team that answers. Start with the merchants you believe in most, keep every file complete, and grow with a funder that keeps putting new resources behind the partners who create its growth.
A merchant trusts the offer they understand, so present every deal from the same four numbers, in the same order, every time: the funded amount, the net proceeds the merchant actually receives, the total remittance they will repay, and the payment schedule their cash flow has to carry. Those four numbers are all in the written offer, and walking them in a fixed order does two things. It lets the merchant compare this offer with anything else on the table on the same basis, and it protects you, because a deal explained plainly at the start is a deal that does not unravel at the funding call. Your account manager can confirm any figure before you present it, so nothing you say is a guess.
Build the habit into your pipeline. A complete submission, a signed one-page application plus four complete bank statements, can receive a decision the same day, commissions are paid same-day or next-day after a deal funds, and renewal commissions are paid on every renewal, so clean presentation compounds into a book that keeps paying. Logic Advance is growing fast precisely because it keeps investing in partners: dedicated account managers, written terms confirmed before the first file moves, and resources other funders do not give their ISOs. If funders have sat on your files or changed terms at the last minute, you found them, finally. Your search ends here. Present the four numbers, keep every file complete, and grow with a team that answers.
Compare any ISO program on what a complete file earns across its whole life: commission paid same-day or next-day after the first funding, commission again on every renewal, and a decision within hours on a signed one-page application plus four complete bank statements. A weekly pipeline review is how a partner actually collects that value. Walk every open file once a week and sort it into four places: waiting on the merchant, waiting on documents, waiting on a decision, and waiting on you. Files rarely die in review; they die in the waiting nobody owned. The portal shows where each submission stands, your dedicated account manager can confirm anything unclear, and merchants can receive from $5,000 to $1,000,000 across all 50 states, so a stalled file is almost always a follow-up, not a verdict. Four buckets, one pass, every week, with no open file left unnamed and unowned between reviews.
That habit compounds the same way renewals do. A file chased in week one funds in week one, a merchant kept informed sends the next referral, and a book reviewed weekly shows you which industries and deal sizes are actually closing. Logic Advance is growing fast precisely because it keeps investing in partners: real tracking, real answers, and resources other programs do not give their ISOs. If other funders have sat on your files in silence or changed terms at the last minute, you found them, finally. Your search ends here. Picture a pipeline with no forgotten files, merchants who always know the next step, and a book that grows because you work it on a rhythm.
Judge a partner program by what your first five files can become: at Logic Advance a complete file is a signed one-page application plus four complete bank statements, merchants can receive $5,000 to $1,000,000 across all 50 states, commissions are paid same-day or next-day after a deal funds and again on every renewal, and a complete submission can receive a decision within hours. Your first five files are where that structure either becomes a book or becomes a pile. Choose them the way a portfolio is built: different industries, different deal sizes, and amounts each merchant's statements genuinely support, so one slow industry or one oversized request never decides your first month for you.
Five varied files also teach faster than five similar ones. Each industry shows you a different statement pattern, each size tests a different part of the review, and your dedicated account manager and the partner portal show you where every file stands while you learn. Logic Advance is growing fast precisely because it keeps investing in partners: real tracking, written terms confirmed in your partner agreement, and resources other programs do not give their ISOs. If other funders have sat on your files in silence or changed terms at the last minute, you found them, finally. Your search ends here. Picture five clean files moving, the first commissions landing within days, and renewals already written into the book you are building. That is the difference between submitting deals and owning a portfolio: the book was designed from the first week, not gathered by accident.
Our partner registration form welcomes inquiries from ISOs, brokers, funding companies, and other businesses that help merchants access capital. Share your company type, typical deal volume, and industry focus so the team can review the fit. Registration is an inquiry, not automatic approval; your account manager will confirm the required onboarding steps and partner terms.
Commission rates are discussed during onboarding and vary with factors such as product type, deal volume, and the partner relationship. Ask for the current rate sheet and confirm how the commission is calculated, when it is paid, and which renewal terms apply. Request any applicable fees in writing and distinguish merchant costs from ISO compensation. Do not quote a fixed commission percentage or syndication fee until the team confirms it.
Start with our published submission process: a signed application and four months of complete business bank statements, plus any verification requested for the file. Same-day review and funding may be available for qualifying complete deals. A two-stipulation or escrow arrangement must be confirmed with your account manager for the specific submission; do not promise a program or funding sequence based on another funder's requirements.
The MCA product page describes daily, weekly, and biweekly payment frequencies, with the available schedule set by the approved offer. It also describes early repayment without a penalty and possible discounts. Ask for the actual written payoff terms before quoting savings: a 30-, 60-, or 90-day discount schedule should not be assumed. Other products may have different payment structures.
Our partner program serves businesses such as restaurants, retailers, e-commerce sellers, contractors, healthcare practices, transportation companies, auto businesses, professional services, salons, manufacturers, and wholesalers. The guidelines describe Elite, Premium, Standard, and High-Risk tiers, including review of credit challenges, past defaults, or settlements. Industry alone does not determine the outcome; revenue, cash flow, obligations, and the complete file matter.
Eligibility is specific to the product and current underwriting criteria. Our MCA product requirements exclude open bankruptcies. If a business operates in a regulated or unusual sector, describe its activities to the account manager and confirm eligibility before collecting a full package. Use Logic Advance's current guidance rather than a competitor's restricted-industry list.
Use accurate, complete documents with the merchant's authorization and protect the information entrusted to you. Explain the offer's costs, fees, payment schedule, and obligations clearly. Disclose existing advances and other funding commitments so underwriting can evaluate any proposed stacking. Avoid unconfirmed approval promises or undisclosed charges, and follow your partner agreement and current submission guidelines.
Logic Advance is a true direct funder — not a broker or marketplace. This means your submissions go directly to our underwriting desk, resulting in faster decisions, transparent communication, and better commission structures than working through an intermediary.
ISO commissions are paid same-day or next-day after a deal funds. We understand that fast commission payouts are critical to running a profitable MCA brokerage, and we don't make you wait.
Standard submissions require a completed one-page merchant application, 4 months of complete business bank statements, and a voided check. Larger deal sizes may require additional documentation such as a lease agreement or business license.
Yes. We actively renew performing accounts and pay ISO commissions on every renewal. This creates a compounding residual income stream as your book of business grows over time.
Logic Advance funds businesses in all 50 US states. As a direct funder with our own capital, we have no geographic restrictions on deal flow.
Yes, on a case-by-case basis. Our underwriting team evaluates the merchant's overall position, cash flow, and current obligations to determine if a stacked position makes sense for both the business and the merchant. We prioritize responsible funding that protects your client relationships.
Qualifications vary by product. Our general MCA criteria include at least six months in business, $25,000 in monthly revenue, and a 500+ credit score, with a review of revenue, bank activity, and existing obligations. Check the current broker guidelines and confirm any additional product requirements with your account manager before submitting. Meeting a minimum does not guarantee approval.
After your ISO account is set up, your dedicated account manager will provide portal access credentials. The portal allows you to submit deals, track their status from submission to funding, and view your commission history in real time.
MCA ISO stands for a merchant cash advance independent sales organization program: the ISO or broker introduces merchants to a direct MCA funder, helps prepare the application, and earns a commission when the deal funds. With Logic Advance, submissions go straight to our own underwriting desk — no middleman — which means faster decisions and better commission economics for the broker.
ISO brokers earn a commission calculated on each funded advance, paid according to the partner agreement — Logic Advance pays same-day or next-day after funding. Brokers also earn commissions on renewals when performing merchants take additional advances, which builds a compounding income stream over time.
The best ISO commission structures share four traits: a written rate sheet with no hidden fees, same-day or next-day payouts, commissions paid on every renewal (not just the first funding), and better economics as your volume grows. Ask any program for these four things in writing before you submit your first deal.
Start by partnering directly with an MCA funder rather than a middleman: register through the funder's ISO partner application, complete onboarding, learn the submission requirements (typically a one-page application and recent bank statements), and begin introducing merchants. A direct funder gives you faster decisions, transparent commissions, and an account manager to guide your first deals.
A direct funder underwrites with its own capital, so your deals go straight to the decision-makers: faster approvals, clearer communication, and stronger commissions. Middleman programs add a layer between you and the capital, which means slower answers, thinner payouts, and nobody accountable when a deal stalls.
Nine things: a written commission schedule, renewal economics, clawback clarity, relationship ownership, product range, submission simplicity, payout speed, compliance standards, and decline transparency. Get each answer in writing and compare programs side by side before your first submission.
Commissions quoted verbally, payouts on a vague schedule, no pay on renewals, the funder contacting your merchants directly, and declines with no explanation. One warning sign deserves a hard question; several deserve a pass.
An ISO partner submits merchant files and earns commissions plus renewals. An affiliate refers merchants without running submissions and earns referral compensation when the referral funds. Pick the track that fits how you work — you can switch lanes as your business grows.
Your merchant relationships are covered in the partner agreement. You work with a dedicated account manager on every file rather than handing merchants to a faceless queue. Confirm the relationship terms in writing during onboarding before submitting your first deal.
A clawback adjusts your commission if a deal defaults early or the funding is reversed. The triggers, timing, and calculation should be spelled out in your partner agreement — never assume a commission is final until you have read that language.
The upfront commission is the one-time payment you earn when a merchant cash advance deal funds, calculated under the commission schedule in your partner terms. Residual income is the ongoing side of this MCA ISO program: when merchants renew or take additional funding, renewal compensation can keep paying you on business you already placed. Confirm how both are calculated, and when each is paid, in writing during onboarding.
A complete submission — signed application plus four months of complete business bank statements — goes straight into review, and your account manager confirms receipt and flags anything missing. Timing depends on verification and file complexity, so ask for the expected update window on each deal. The practical rule: complete files move fastest, and you should never have to guess whether your submission arrived.
Expect to know the stages that matter: whether the file is complete, what underwriting still needs, whether an offer is ready, and what the offer contains — amount, net proceeds, total cost, and payment schedule. Your account manager is your tracking point on every ISO broker program file. If a deal stalls, you should get the reason and the next step, not silence.
Complete partner registration, review and sign the partner agreement, confirm your commission schedule and payout details, and get your submission channel and account-manager contact confirmed. Then prepare your first merchant file: signed application and four months of complete bank statements. Finishing these onboarding steps first means your first merchant cash advance ISO program submission is reviewed as a partner file, not held up on paperwork.
Renewals are where a strong merchant cash advance ISO program pays off over time: when your merchant qualifies for additional funding, the renewal terms in your partner agreement set how you are compensated on that new funding. Ask during onboarding how renewal splits are calculated, whether they differ from first-deal commissions, and how long renewal eligibility lasts. Keep merchants close after funding — a well-kept book renews.
Partners work with a dedicated account manager for submission questions, offer reviews, and deal-status updates, and use our published submission guidelines and training workflow to prepare cleaner files. Ask what current materials are available for explaining funding costs and payment options to merchants. Support in this ISO broker program is built around one idea: you should spend your time selling and serving merchants, not chasing a funder for answers.
Have your company and contact information, your company type — ISO, broker, funding company, or another business that helps merchants access capital — your typical deal volume, and your industry focus. Registration is an inquiry, not automatic approval. Your account manager confirms the required onboarding steps and partner terms, including the current rate sheet, before you submit your first deal.
Send a signed application and four months of complete business bank statements, plus any verification requested for the file, following the published submission guidelines. Your dedicated account manager confirms receipt and keeps you updated as the file moves through review. Complete files move fastest: most delays brokers remember from other funders come from missing pages and undisclosed obligations, not from underwriting itself.
Through your dedicated account manager, who handles submission questions, offer reviews, and deal-status updates. Expect to hear what the file still needs, what underwriting is weighing, and when an offer is ready — the standard for this program is communication you do not have to chase. If an update feels late, ask for the current stage and the next step, and you will get a straight answer.
Describe the business to your account manager first — its industry, revenue pattern, time in business, and any existing funding obligations. Eligibility is specific to the product and current underwriting criteria, and regulated or unusual sectors should be confirmed before you collect a full package. A short fit check protects your merchant's expectations and keeps your pipeline full of files that can actually fund.
A clear written offer you can walk through line by line: the amount, the costs, and the payment structure the merchant is agreeing to. The MCA product page describes daily, weekly, and biweekly payment frequencies, with the available schedule set by the approved offer. Present only the terms in the written offer — including any early payoff terms — rather than estimates, so the deal you sell is the deal that funds.
Commission terms, including how adjustments or clawbacks are handled, are set in your partner agreement and confirmed during onboarding — ask for them in writing before your first deal, alongside the current rate sheet. Merchants may discuss early payoff options and possible discounts under their own agreement, but a discount schedule should never be assumed. If a merchant raises payoff, loop in your account manager early so everyone works from the same numbers.
The published funding range is $5,000 to $1,000,000, and larger advances are available for seasoned businesses with a strong cash flow history. The amount a merchant is approved for is set during review of the complete file, including revenue, bank activity, and existing obligations. The written offer shows the actual amount, so present that number rather than an estimate.
Yes. A bank decline does not decide a submission here, because the review focuses on the revenue the business is generating now, its bank activity, and its existing obligations. Check the starting guidelines first: $25,000 in monthly revenue, six months in business, and a 500+ credit score. If the merchant fits, send the complete file and let underwriting judge the business in front of it.
Hold the submission until the file is complete. A standard submission is a signed application plus four months of complete business bank statements, and missing pages are one of the most common reasons a review slows down. Ask the merchant for the missing month, include every page, and then send the file once, complete, so underwriting can move without pausing for follow-up requests.
Same-day review and funding may be available for qualifying complete deals. After the merchant accepts the written offer and any remaining verification and closing steps are finished, funding follows final approval and processing. Keep the merchant reachable during closing, because a fast confirmation can be the difference between funding today and funding tomorrow.
Your file goes to the underwriting desk, where the team reviews the signed application and bank statements alongside the merchant's revenue, bank activity, and existing obligations. Your dedicated account manager relays what underwriting sees, what the file still needs, and where the review stands. When the review finishes, you receive a clear written offer you can walk through with your merchant line by line.
Keep submitting complete files for merchants you believe in, and stay close to the merchants who fund. Commissions are paid same-day or next-day after a deal funds, and renewal commissions are paid on every renewal, so a book of performing merchants keeps paying for work you already did. Logic Advance keeps investing in partner resources and support as partners grow, and your account manager can help you plan the next industry or deal type to pursue.
Confirm the funded amount, the net proceeds the merchant actually receives, the total remittance, and the payment schedule, all from the written offer. Presenting the same four numbers in the same order on every deal lets merchants compare fairly and keeps your explanation consistent from the first call to the funding call.
Say it as one multiplication: the funded amount times the factor rate equals the total remittance, and the difference is the total cost. Then show the payment schedule it produces against the merchant's real weekly revenue. Plain multiplication a merchant can check on their own phone builds more trust than any percentage comparison.
Show what the review weighed: revenue, cash flow, and existing obligations, and walk the payment the larger amount would require against the merchant's slowest normal weeks. A smaller amount that fits is a deal that performs and renews. Your account manager can explain what would strengthen a future request.
Your dedicated account manager relays what underwriting sees, what a file still needs, and where the review stands, so a missing item surfaces as a specific request instead of silence. Complete files, a signed application plus four complete bank statements, are the ones that can receive a decision the same day.
Yes. Partners submit merchants across industries in all 50 states, and the review is built around each merchant's revenue, cash flow, and obligations rather than a single industry template. Starting guidelines are $25,000 in monthly revenue, six months in business, and a 500 credit score guideline, subject to full review.
Renewal commissions are paid on every renewal from your book of business, under the written terms confirmed during your onboarding. A merchant who funds, performs, and renews keeps paying for work you already did, which is why complete files and honest offer presentations compound: performing merchants are the book that renews.
Once a week at a minimum, and sooner for any file a merchant needs urgently. Most stalled files are waiting on one statement page or one signature, and a short weekly chase keeps a small missing item from quietly costing the whole deal.
The merchant, the amount and purpose requested, what has been sent, what is still missing, the last contact date, and the next step with a date on it. If a file has no next step, it is not in a pipeline; it is in a pile.
Go back with something useful, not just a check-in: name the one item still needed, what it unlocks, and how fast a complete file can be decided. Merchants respond to a clear next step far more often than to a general follow-up.
Tell them what stage the file has reached, what happens next, and when you will update them again, then keep that promise. Honest timing builds the trust that survives an extra document request; silence is what sends merchants shopping for another broker.
Yes. The ISO partner portal lets you track submissions, approvals, and funding in real time, and view your commission history. Pair the portal with your own weekly list, so files waiting on you are as visible as files waiting on a decision.
It shortens the distance between submission and funding, which is where commissions and renewals come from. Funded merchants who were kept informed perform and refer, and a partner who reviews weekly spots both problems and repeat business a month earlier than one who does not.
Pick complete files you can document well, across more than one industry and more than one deal size, with amounts the statements support. Five clean, varied files teach you the review faster and build a steadier start than five copies of the same deal.
A mix that does not rise and fall together: for example, a service business, a store, and a practice each move on different calendars. Partners submit merchants across industries in all 50 states, and variety is what keeps one slow season from pausing your whole book.
Keep one short note per file: what the review asked for, what slowed it, and what the merchant needed explained. The portal shows each submission's status, and your own notes turn that history into a checklist your sixth file benefits from.
After your first few decisions, while the lessons are fresh and before habits set. A short review of what arrived complete, what needed follow-up, and what priced well will save more time than any single deal in the batch.
A small complete deal proves your process end to end: clean statements, a clear summary, and a merchant kept informed. That track record, and the renewal it can produce, is the evidence that carries into a larger submission later.
Send it with everything your first five taught you already attached: the documents earlier files were asked for, the explanation earlier reviews needed, and the amount sized from the statements the first time. The sixth file should move like you have done this before, because you have.
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