Get Started >>>
By the time a merchant arrives from The Merchant Desk, the W9 is in. The bank statements are reviewed. The business is checked. You are evaluating a merchant who has already passed our screen.
That is the standard we hold ourselves to on every referral. Not volume for its own sake. Quality that your underwriting team can work with.
We screen merchants before they reach you. We collect the documents, review business history, check for red flags, and make a judgment about fit. Merchants who do not meet our threshold do not get referred. They get declined or redirected elsewhere.
The merchants who do not meet our threshold do not get referred.
They do not reach you.
Our vetting process is the same for every merchant, regardless of industry. We are looking for businesses that represent a referral worth making.
Service merchant programs involve larger contract values, more complex documentation, and deeper risk assessment. We have worked in these verticals long enough to know what a qualified service merchant looks like and what a problem one looks like before an introduction is ever made.
Product merchants move faster and agreements are more straightforward. Volume potential is higher and average contract values are lower. We know the credit profiles and program structures that fit product merchants and we match accordingly.
We know which program structure fits each merchant before the introduction is made. Service merchants and product merchants have different risk profiles, different documentation requirements, and different program needs. We apply that distinction to every referral.
When we introduce a merchant to you, the groundwork is done. Documents are assembled. The merchant has reviewed the program structure and committed to moving forward. The introduction is a handoff, not a first contact.
During onboarding, we stay involved. We handle portal training with the merchant. We participate in the welcome call. We remain the point of contact for the merchant so your team is not fielding relationship questions that belong on our side of the desk.
A merchant who is set up correctly from day one is the goal on our end.
A lender relationship that holds because the referral was worth making is the goal on yours.
The network we are building is one where every introduction has been filtered on both sides. We are selective about the merchants we bring on. We are selective about the lenders we refer them to. The fit has to be right before we make the introduction.
That is the standard we hold on every referral, in every category, with every lender we work with. The introduction reflects us. We take that seriously.
If you are looking for a source that sends you merchants worth talking to, we would like to start that conversation.
Fill out the form below. We will review what you fund, research your company, and come back to you with a clear sense of whether there is an origination relationship worth exploring. Most people hear back within one business day.