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PIRS Capital

Partner with PIRS

Let's grow
together.

PIRS Capital is a direct lender built for the people who refer the deals, whether brokers, ISOs, accountants, or advisors. We grow through our partners, not around them: direct-lender pricing, same-day approvals, and renewal-friendly economics that compound your book.

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  • Direct lender since 2012
  • Up to $5M per merchant
  • Same-day approvals

The track record

A direct lender partners can build a book on.

$1B+

Deployed since 2012

100K+

Businesses funded

14 yrs

Lending since 2012

A+

BBB accredited

Two ways to partner

Pick the relationship that fits how you work.

Whether you submit deals professionally or introduce capital alongside your client relationships, there's a focused program, built around protecting your economics and the merchants you bring.

Path 1 · ISO & Brokers

Submit deals. Keep the relationship.

Direct-lender pricing, no marked-up offers, and a broker portal built around how high-volume shops actually work.

Path 2 · Referral Partners

Refer the clients you advise.

For accountants, advisors, attorneys, and consultants. A clean introduce-and-earn relationship: no broker license, no client conflict.

What partners get

Built to make you look good to your clients.

The advantages of partnering with a direct lender that controls its own underwriting, pricing, and funding, and treats your relationships as its own.

Direct-lender pricing

No middle layer marking up offers. The pricing you see is the pricing we wrote, and the team that approves your deal is the one that funds it.

Same-day approvals, fast funding

Qualified files come back the day they're submitted, with funding inside 24 hours when the merchant needs to move, so fewer deals drop.

Proprietary tech & portal

A dedicated partner portal at pirsportal.com for submissions, real-time deal status, and direct communication with the underwriting team.

Dedicated account management

One real person on every file from intake to renewal. Straight answers, not a ticket queue, from a partner manager who knows your book.

Attract & retain clients

A capital channel that lets you say yes when clients need working capital, strengthening the relationships you already have.

Renewal-friendly commission

Structures aligned to the merchant's cash cycle, so renewals compound your book and your commission instead of resetting every cycle.

How it works

From intro to funded in three steps.

The flow looks similar for both partner types; only the first step differs in formality.

  1. Apply or introduce

    ISOs and brokers submit through the partner portal. Referral partners make a warm intro: an email or our short form is enough.

  2. Same-day decision

    We review every file in-house. Qualified deals get a same-day soft offer. You're kept in the loop the whole way.

  3. Fund in 24h. You earn.

    Funding within 24 hours when needed. Renewal-friendly structures mean the merchant comes back, and your commission compounds over time.

What we look for

What makes a strong PIRS partner.

A quick picture of the partners we work best with. You don't need to tick every box to apply. These help you self-select, and a partner manager reviews every application.

Active U.S. deal flow

You work with U.S. small business owners, whether you submit deals professionally or advise clients who need working capital.

Quality over volume

We onboard on file quality and fit, not minimum volume. Clean, complete submissions earn faster decisions and stronger economics.

Compliance & ethical conduct

Honest representation of offers and terms to merchants and clients. Partners who protect the relationship are the ones we keep.

A relationship mindset

The best partners think in renewals, not one-time wins, and so do we. Our structures reward partners who build a book over time.

These are guidelines, not gates. If you advise or originate for U.S. small businesses and want a reliable direct lender behind you, apply below, and we'll find the right program together.

Become a partner

Apply in one form. We'll take it from there.

Tell us a little about how you work. A partner manager reaches out within one business day to walk through pricing, structure, and the right program for you. Already approved? Log in to the partner portal.

By submitting you agree to be contacted about your inquiry. We respect your privacy and never sell your information.

Frequently asked

Partner FAQs.

The questions most prospective partners ask first. Type-specific questions live on the ISO/Broker and Referral pages.

Why partner with a direct lender like PIRS Capital?
A direct lender controls the underwriting, pricing, and funding. That means cleaner deals, faster decisions, and stronger commissions, because there is no middle layer marking up the offer.
What kind of deals does PIRS Capital fund?
PIRS funds working capital up to $5M for established U.S. businesses across most industries. Preferred files are 3+ years in business with $500K+ in revenue, but every deal is reviewed on its own merits.
How are commissions and structures handled?
Commission and structure are part of every partner conversation. We focus on relationship-protective deals: subordination flexibility, early-pay discounts, and renewal-friendly structures so partners can rebook the same merchants for years. Specific commission tiers are shared during onboarding.
Is there a partner portal?
Yes. Approved ISOs and brokers get access to the partner portal at pirsportal.com for submissions, deal status, and direct communication with the underwriting team. Referral partners are kept in the loop directly by their PIRS contact, with no portal required.
Will PIRS market to my merchants or clients after we send them?
No. We don't market around our partners. The merchant stays your relationship. Your name is attached to the introduction, and our team treats it that way.
How do I become a partner?
Use the signup form above. One form covers both programs, and a partner manager reaches out within one business day. Want to read the program details first? See the ISO/Broker page if you submit deals professionally, or the Referral page if you introduce clients alongside your advisory work.
  • BBB A+ Accredited
  • Trustpilot

Submit deals professionally? See the ISO / Broker program · Advise clients? See the Referral program

Ready to grow together?

Apply in one form, or call partner support directly. A partner manager will reach out within one business day.

Become a PartnerCall 877-495-4979
Customer Service · 888-494-4881Partner Support · 877-495-4979