ISO & Broker partners
The funder your files
close with.
Brokers and ISOs are partners, not channels. We approve fast, fund faster, and pay commissions on time, so you can promise your merchant a close and mean it. Direct-lender pricing, structures that protect your renewals, and one dedicated rep on every file.
- Direct lender
- Same-day approvals
- Up to $5M per merchant
- Broker portal
What submitting with PIRS looks like
Speed and structure your merchants can feel.
Approvals on qualified files
Funding when it's needed
Per-merchant ceiling
Estimated terms
What you get
A funding relationship built for the way you actually work.
The reasons high-volume submitters keep PIRS in their top-three rotation.
Direct-lender pricing
Offers come from the people who fund the deal. No marked-up offers, no middle layer between you and the decision.
Same-day approvals
Qualified files come back the day they're submitted. Clean, complete files with accurate bank statements move fastest, earning same-day decisions and the better economics that follow.
Funding within 24 hours
When the merchant needs to move quickly, we move with them, funding inside 24 hours when needed.
Subordination flexibility
Stacked positions, renewals, and refinances handled with judgment, not blanket rules. Intercreditor agreements when the deal calls for it.
Renewal-friendly economics
Early-pay discounts and structures built around the merchant's cash cycle, so renewals compound your book instead of resetting it.
Funding up to $5M
From a $50K working capital deal to a $5M structure, all under one roof and one underwriter, with no handoffs between deal sizes.
How it works
Submitting a file with PIRS Capital.
The submission flow most ISOs run on autopilot within their first week.
Submit through the portal
Submit deals directly through the broker portal. We confirm receipt and assign a dedicated underwriter.
Same-day decision
For qualified files, you receive a soft offer outline the same day, usually within hours, not days.
Fund and renew
Sign docs, fund the merchant, and build toward renewals with relationship-friendly structures.
Built for high-volume submitters
Complex deals are where we do our best work.
Subordinations to senior lenders, intercreditor agreements with banks and asset-based lenders, multi-entity guarantor structures, ownership changes during diligence: these are deals our team handles every week.
We don't market around your merchants
The merchant stays your relationship. No outbound marketing, no parallel sales motion, no quiet renewal capture.
One dedicated rep
Straight answers, a dashboard that shows where every deal stands, and a real person on the file from intake to renewal.
Stacking handled with judgment
We evaluate position math on the merchant's actual cash cycle, not a generic stacking policy that kills good deals.
Renewals built in
Early-pay discounts and structures that reward the merchant's performance, turning a first-funded deal into a year of compounding economics.
Technology & partner portal
A credit firm with the technology of a fintech.
Direct-lender judgment underneath, fintech speed on top. The PIRS Portal is where approved partners run their pipeline; proprietary underwriting technology is what gets decisions back same-day.
Submit deals
Approved ISOs and brokers submit files directly through the PIRS Portal: no email chains, no faxed packets, no guessing whether it landed.
Real-time status
Track every file as it moves through underwriting. Status updates live, so you always know where a deal stands without chasing a rep.
Pipeline visibility
See your whole book at a glance (submitted, approved, funded, and up for renewal) with transparent communication to the underwriting team.
Same-day decisions
Proprietary underwriting technology surfaces the data fast, so qualified files get same-day approvals, the speed layer on top of a real credit process.
Partner criteria
Two things to know before you apply.
First, the requirements to apply: a short, hard checklist. Then, what we expect from partners once you're onboarded. The first is the gate; the second is how the relationship works.
Requirements to apply
Confirm your business meets each one before you apply. A partner manager verifies them during onboarding.
Based in the United States
Your business is U.S.-based and submits U.S. merchants.
1+ year in business
Operating as a broker or ISO for at least one year.
Active business insurance
A current, active business insurance policy in place.
Published privacy policy
A privacy policy published on your website.
No minimum funding volume required
Unlike most funders, we don't set a monthly volume floor. Submit one file a week or fifty. We onboard partners on file quality and fit, not minimums.
What we expect from partners
Approval is the start of a relationship. These are the standards we hold every partner to: how the best shops operate with us, and what keeps pricing and appetite strong across your whole book.
Consistent, quality deal flow
Send files that fit: steady, well-matched submissions, not spray-and-pray. Quality and consistency are what build the relationship.
Clean, complete submissions
Accurate bank statements and a complete file on the first pass. Clean files move from approval to fund fast; incomplete ones stall everyone.
Sound portfolio performance
Merchants who perform. We watch portfolio health across a partner's book. Sustained performance keeps pricing and appetite strong for everyone you send.
Honest merchant representation
Represent merchants truthfully: no stacking surprises, no hidden positions, clear disclosures. What you tell us is what we underwrite on.
Legal, ethical & compliant conduct
Operate within the law and to a high ethical standard: honest marketing, proper disclosures, and compliance with the rules that govern commercial financing.
Apply to become a partner
Tell us how you work.
A quick four-step application. A partner manager reviews every submission and reaches out within one business day.
Frequently asked
ISO & Broker FAQs.
How are commissions and structures handled?
Is there a broker portal?
What's your minimum submission volume?
What's your subordination and stacking policy?
Do you protect renewals?
What documents do you need to fund?
Recognized & accredited
- BBB A+ Accredited
- Trustpilot
Let's build a book together.
Apply to become an ISO/broker partner, or call partner support to walk through pricing, structure, and the broker portal.