For ISOs & direct lenders

Better-matched submissions,
with consent and context.

Credit Orchard collects business-funding inquiries and compares them with partner product criteria before routing. Applications include the information the applicant authorized us to share. Commercial terms, data handling, permitted contact, and compensation are defined in the signed partner agreement.

Book intro callHow the partnership works

What lender partners get.

Structured applications

The intake captures business identity, industry, operating history, self-reported revenue, requested amount, purpose, and approximate credit range before routing.

Only what fits your product

Each partner specifies product type, deal-size range, industry preferences, state coverage, and qualification floors. Routing uses those stated criteria but does not guarantee approval.

Standard ISO commission

Commercial terms are documented in the partner agreement. Applicant charges, if any, must be disclosed in the actual financing documents.

Clean submission packet

Every lead arrives with AI-generated qualification notes, pulled business data, and our match-reason so your underwriters start 10 minutes ahead.

Compliance-first

The intake records the applicant-authorized submission and referral source. Any credit check or regulated outreach requires the appropriate separate consent and partner compliance process.

No exclusivity

The relationship is nonexclusive unless a signed agreement says otherwise. A request may be compared with more than one partner when the applicant has authorized that sharing.

Product types we route.

MCA (Merchant Cash Advance)$5k – $2M; timing varies
Term loans$10k – $5M; timing varies
Business lines of credit$5k – $500k; timing varies
SBA 7(a) & 504$50k – $10M, weeks
Equipment financing$5k – $1M; timing varies
Revenue-based financing$10k – $20M; timing varies
Invoice factoring / AR$10k – $5M; timing varies

How the partnership works.

1

Intro call (15 min)

We confirm product fit, deal-size ranges, state coverage, industries you do and don't underwrite. No hard sell.

2

ISO agreement (1 week)

Standard ISO/broker agreement — commission schedule, data-handling, non-exclusivity, termination rights. We send ours; you counter.

3

Integration

We add your approved product criteria and delivery workflow to the routing engine. Volume depends on applicant flow and fit.

4

Quarterly review

Look at funded rate, quality, decline reasons. We tune routing to send you more of what funds and less of what declines.

Ready to talk?

15 min. We walk through your product box, you see how our AI triage works. If it's a fit, we move fast. If not, we part clean.

Book intro callEmail Credit Orchard