Institutional funding for ISOs and brokers
Charge Up gives your ISO team a route into revenue-based funding, lines of credit, term and property loans, and equipment finance. Send the scenario, and a rep who stays with the file tells you what it can do.
We onboard ISOs and take file submissions. Merchant lead brokerage isn't what we do.The operating standard
You shouldn't have to guess what to send, who has your file, or when an answer is coming. Every submission runs the same way here, which is the whole point of a funding relationship you can build a pipeline on.
Your rep tells you where the file fits and what the desk still needs. If there's no path, you hear it on the first call instead of the fourth day.
One named rep owns your file from the first scenario through funding and commission. Same person, same number, every time.
You see the structure, the conditions, the merchant payment, and your commission in writing before anyone signs anything.
Send a complete file and you get an answer the same day, plus a decision timeline your team can build a week around.
Products
Send the whole scenario and your rep routes it to the structure the merchant, the collateral, and the timeline actually support. If none of them do, you'll hear that too.
Use this when the file needs speed more than it needs the lowest cost. Send current statements, positions, balances, and the story behind the request.
Stronger-credit merchants can carry a lower-cost structure here. They'll also sit through a heavier document process, so set that expectation early.
When a merchant is buying a building, a business, or a decade of runway, the term should match the life of what they're buying.
Titled equipment and hard assets can finance themselves. Include the invoice, the asset details, and how the merchant plans to use it.
Deal appetite
We look at every industry, but the industry line is the smallest thing on the page. What decides the file is how the deposits look, how the merchant has handled payments, what's already sitting in front of us, and why they need the money now.
Send the complete package, and flag the ugly parts before underwriting has to dig them out. Ten minutes of honest context beats a week of email.
How we quote
Before the merchant signs, you should be looking at one page that shows the structure, the conditions, the payment, the total payback, and what you make on it.
Deal proof
This is where the desk shows its work: what it funded, and how it treated the broker who brought it in.
“$85,000 revenue-based advance for a three-location auto repair group, second position behind a bank line. Submitted Tuesday, approved Wednesday, funded Thursday. Commission was quoted at approval and paid the week after funding.”
“The appetite here is what they say it is, so I’m not burning a week to find out a file was never going to fly. Offers come back clean, the conditions are listed up front, and my rep actually picks up.”
Every number on this page came off a funded file, not a rate sheet.
Who you're dealing with
You're trusting this desk with your merchant, so you should be able to see who works here. Reps and underwriters have names, the office has an address you can look up, and the phone rings through to a person during business hours.
Partner with Charge Up
Tell us what your shop submits and where you keep running out of appetite. We'll put you with a rep who works the way your team does.
