Merchant Cash Advance ISO Program
When a merchant is too stacked or over-leveraged to fund, you refer the file to Debt Resolve Pro. Our attorney-backed corporate debt settlement program takes it from there, and you earn on a deal you could not otherwise place.
One declined file, four steps
An established, attorney-backed corporate debt settlement program with millions in business debt restructured.
Corporate debt settlement, exclusively Corporate defense attorney coverage Built for COJs, UCC filings, and aggressive B2B fundersThe broker's problem
You do the work to place a deal, and then the file goes nowhere. Here is where the money leaks out of an ISO's book.
You worked the file and pulled the statements, and every primary and secondary funder came back with a no. The deal dies and the lead is worth nothing.
The merchant is taking another MCA position at a brutal factor rate just to make payroll this Friday. You know where that ends, and there is no funding left to sell them.
Once a merchant is over-leveraged, the relationship goes cold. No residual, no back-end, and eventually they leave for a competitor.
You already know this world
As an ISO partner you live in the merchant cash advance world every day. You pull business bank statements and processing statements, you read the factor rate instead of an annual percentage rate (APR), and you know which direct funders and MCA providers will say yes. You are in business to fund more deals and get merchants fast funding, not to babysit files that already died.
But some MCA files cannot be funded. The merchant has burned through every business loan, SBA loan, business line of credit, equipment financing, and working capital loan available to them, and another business cash advance or revenue-based financing only deepens the hole. Beyond a punishing factor rate, administrative fees pile on, the daily payments and fixed payments have swallowed their future sales, and their monthly deposits no longer cover the sweeps. No small business loan and no flexible repayment is coming, and no funder will refinance a stacked position. That is the file this program is built for.
Merchant cash advance ISO program
Refer the decline, keep the relationship, and get paid when the file works out. The program carries the merchant through an attorney-backed corporate settlement process built for commercial debt, not consumer debt.
How the ISO program works
You refer the file
Submit the over-leveraged or declined merchant you cannot fund through the online partner portal, by email, or by calling the lead in. Intake captures everything from basic lead details to lender agreements and loan docs, and the portal tracks status as the file moves.
The program qualifies and protects the merchant
Debt Resolve Pro reviews the file and, where it fits, moves to protect the merchant's operating revenue while the process begins. Best-fit files are stacked, over-leveraged merchants with multiple receivables and payments they can no longer sustain.
Attorney-backed settlement does the heavy lifting
The program uses its bulk leverage to negotiate and settle the corporate debt, with corporate defense attorney coverage assigned to the merchant's case if and when a funder takes legal action.
You get paid
When the file works out, you earn on a merchant you could not otherwise place. Payouts run weekly, issued the Friday after the customer's payment is received.
What makes a good file
The best referrals are stacked, over-leveraged merchants with multiple receivables and payments they can no longer sustain. Here is the quick read on fit.
Send these
- Residential and blue-collar construction, plumbers, electricians
- Restaurants, delis, bars, lawn care, trucking, farming
- Any business with many small receivables and multiple payees, which keeps lien risk low
- Merchants stacked across multiple positions who can no longer sustain the payments
- Files already declined by primary and secondary funders
Usually not a fit
- Practices paid through private health insurance, unless Medicare, Medicaid, or government-backed
- Auto dealerships with floor plans
- Amazon or Shopify e-commerce, unless the merchant holds a first-position Shopify
- Single-lender merchants who can comfortably sustain the payment
The common thread on exclusions: their receivables can be frozen or leaned, which the program cannot get in front of.
Fit guidance derived from the program's sales and customer service teams. [FLAG: quick accuracy check by Matt before publish.]
A file the program took on
Illustrative of one file handled by the program. Individual results vary; settlement is a goal, not a guarantee. [FLAG for Matt/Elliott: replace or supplement with a verified, named partner case once one is cleared for use.]
The switch
Stop eating your declines
Every over-leveraged file your funding side turns down becomes a referral you earn on, instead of a lead worth nothing.
Keep the merchant, keep the relationship
You stay the person who found them a way out. The relationship stays warm instead of walking to a competitor.
Real muscle, not a retail settlement shop
Consumer agencies have no answer for aggressive B2B funders, personal guarantees, Confessions of Judgment, or UCC filings. This program handles commercial files exclusively, with corporate defense attorney coverage.
Get paid without changing your business
You keep originating. The declines that used to die just start paying a back-end.
Debt Resolve Pro
Refer the files you cannot fund and earn on the merchants you would otherwise lose.
- A back-end revenue stream on files you could not place.
- An attorney-backed program built for commercial debt, not consumer debt.
- Your merchant relationship stays intact.
- Institutional leverage to resolve stacked, over-leveraged files.
- Reliable payouts, exactly as agreed.
The back-end, at a glance
Partner questions answered
Who is this program for?
MCA ISOs, brokers, and referral partners who have over-leveraged or declined merchants they cannot fund and want to earn on those files.
Is Debt Resolve Pro a law firm?
No. Debt Resolve Pro is an attorney-backed corporate debt settlement program. It does not practice law or form an attorney-client relationship. A corporate defense attorney is assigned to the merchant's case if and when a funder takes legal action.
Will I lose my merchant relationship?
No. You remain the partner who referred them. The program handles the settlement process while you keep the relationship.
How is this different from a consumer debt settlement company?
Consumer agencies are not built for aggressive B2B funders, Confessions of Judgment, or UCC filings. This program handles corporate debt exclusively, with corporate defense attorney coverage from the start of any legal action.
What kind of merchant qualifies?
Over-leveraged, stacked merchants carrying business debt they can no longer sustain, typically across 2 to 4 or more positions, often already declined by primary and secondary funders. Businesses with many small receivables and multiple payees fit best, such as construction, trucking, and restaurants. Merchants paid mainly through private health insurance, auto floor plans, or Amazon and Shopify tend not to fit, because their receivables can be frozen or leaned.
How and when do I get paid?
Payouts are weekly. After a customer's payment is received, the partner is paid the following Friday. You can submit and track referrals and follow status in the partner portal.
What if the merchant can still get funded?
If a merchant still qualifies for a business loan, an SBA loan, or another advance, they may not need this program. It is built for over-leveraged files that direct funders and MCA providers have already declined, where the merchant cash advance companies that funded them will not restructure on their own.
The merchant's payments are crushing them. Can this help?
That is the core use case. When the factor rate and daily payments on stacked positions have overtaken a merchant's future sales, the program works to restructure and settle the corporate debt so the business can survive.
Is there a cost to refer or join?
No. There is no cost to join or refer. The program is deal-focused, so you earn on the files you send.
What support do I get as a partner?
Signed partners work through the online partner portal, where you submit and track referrals, follow deal status and updates, and get direct follow-up on the leads you send.
The declines you cannot fund are the merchants you can still get paid on. Send them to a program built to resolve commercial debt.