ISO funding partner · B− and C paper

Send the files that need a more aggressive home.

Pawn Funding works with ISOs on tougher paper. You get a straight read on appetite, underwriting that talks to you directly, and terms you can actually take back to the merchant.

Become an ISO partner See the deal box

We built this desk for ISOs who submit every week, not for one-off merchant applications.

Small to mid-size funding requests Paperless applications and contracts Daily or weekly repayment options

Structure a scenarioISO planning tool

Proposed amount $50,000 Proposed term 9 months Cost you’re modeling 25¢ per $1 Product

You set the cost you want to model. Nothing here is a published rate — underwriting prices the file, and your rep confirms it.

Illustrative total payback

$56,245

Illustrative cost$6,245

Cost modeledYour input

Weekly payment$1,443

Per $1 borrowed12.5¢

Planning illustration only — nothing here is an approval or an offer. Underwriting issues the final terms, payment frequency, conditions, and commission in writing.

Deal box

The files we want to see.

Pawn is built for brokers working below the prime box. Send the full story, and your rep tells you fast whether there's a structure worth chasing.

Short-term working capital

Simple-interest pricing set per file, repaid daily or weekly. Your rep confirms the terms.

Line of credit

Weekly cost priced to the file, repaid weekly. The merchant draws and repays as the business needs it.

Merchant cash advance

Factor priced to the file, with remittance tied to sales. We structure it around what the merchant actually deposits.

SubmissionAppetiteWhat helpsResponse

B− paperCore appetite Priority review

C paperCore appetite Scenario review

Asset-supported filesCase by case Direct feedback

Complex storiesSend the notes Honest answer

The published baseline is a year in business, more than $5,000 a month in revenue, a business bank account, and a US citizen or resident owner. Past that, a complete package moves faster than a thin one, so send current balances, positions, recent funding history, and the reason this file deserves a second look.

Underwriting

Give the desk what it needs to make a decision.

Good notes won't rescue a bad file. They will keep a workable one from dying in the first pass, which is where most of these files die.

What to send

Send the full package your rep asks for, plus a short note on what the money is for and anything underwriting will spot in the first thirty seconds.

Lead with the story: what happened, what changed, and why this structure works now.

How we read the file

We read the deposits, the payment history, the positions, the open balances, and the recent funding. Then we ask one question: can this business carry the payment you're proposing?

Don't bury the negative. Explain it before the bank statements explain it for you.

What moves faster

Clean statements, accurate positions, and a merchant who picks up the phone let underwriting spend its time on structure instead of chasing you for facts.

If a document is coming later, say what it is and when your rep will have it.

What you get back

Your rep comes back with a yes, a no, or exactly what it would take. Then the approved structure and your commission go in writing before close.

If the file sits outside the box, you'll hear why, and what would have to change to bring it back in.

Why Pawn

A funding desk you can put in your rotation.

Your rep should know the appetite cold, answer for the file, and still be there at funding. That's the relationship this desk was built around.

2167 E 21st St, Suite 252 · Brooklyn, NY 112291 (855) 884-7910 · Monday–Friday, 9:00 AM–5:00 PM.

You get a named rep and a funding team who pick up.

Underwriting talks to you about what can work and what can't.

Your commission goes in writing before the merchant signs.

Pawn Funding team reviewing an ISO submission

How the partnership works

One relationship, and a submission process that runs the same way every time.

Open the relationship

Tell us about your shop, the paper you place, and how much you expect to send.

Send the complete file

Your rep reads the package, walks the scenario into underwriting, and keeps you posted.

Work the terms

You get the approved structure, the conditions, and your commission before the merchant signs.

ISO PARTNER

“Most desks stop reading once they count the positions. Pawn works the file instead, and I get a structure back on paper the rest of my lenders won’t touch. My decline pile shrank the month I opened the relationship.”

Andre WhitfieldOwner, Southbridge Commercial · Newark, NJ

FUNDED DEAL

“$120,000 across two tranches for a regional HVAC contractor, C paper, third position. Paper grade was called honestly on day one, the structure held, and the merchant renewed at month five.”

$120,000 · commercial HVACC paper · 3rd position · funded in 4 days

B− / C

ISO-focused appetite

Where the rest of the market stops reading, this desk starts working.

Partner with Pawn

Put Pawn in your funding rotation.

Tell us what your shop submits and where your current funding stack runs dry. We'll put you with the rep who covers that paper.

This desk works with ISOs. Merchants apply through their broker, not here.

Clear appetite. Your rep tells you where a file lands before you burn a day on it.

Clear economics. You confirm terms, conditions, and commission before close.