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SystemMerchant Cash Advance

ISO Triage

ISO Submission Triage

Every ISO submission read, screened and routed within minutes of arriving, while the merchant is still shopping.

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SystemA crew of agents runs a whole process; people decide.
5specialist agents
5kinds of input
Soonfilm in production
The problem

Why it matters

ISOs send the same merchant to several funders at once and the first clean offer wins, yet submissions sit in a shared inbox until someone opens the PDFs.

What it does

How the solution handles it

An intake crew reads each ISO email and attachment, builds the merchant file and checks it against your credit box: time in business, monthly revenue, industry, state. It spots repeat submissions and asks the ISO for what’s missing. An underwriting manager sets the routing rules and owns every decline.

How it works

How a submission moves

Five agents read, screen, de-duplicate, chase and route every ISO submission; an underwriting manager sets the rules and owns every decline.

What comes in
Submissions inEvery ISO channel · email, portal, API
Agents at work
Submission readerevery attachment
Then
Credit-box screenerTIB · revenue · sector
Duplicate findersame merchant, any ISO
Then
ISO follow-up writerasks for what’s gone
Then
Queue routerby fit and value
A person decides
Underwriting managersets rules, owns declines
What comes out
Triaged file
Missing items asked
Ranked queue
In and out

What it reads, and what it hands back.

What goes in

  • ISO submission email
  • Signed one-page application
  • 3–6 months of bank statements
  • ID and voided check
  • Card processing statements

What comes out

  • Triaged merchant file with fit reasons
  • Missing-items request to the ISO
  • Repeat-submission flag
  • Ranked underwriting queue

Who uses it

UMUnderwriting managerFUFunding underwriterIRISO relationship managerSSSales support
What it changes

The difference, in numbers.

Every figure is labelled: a target the solution is built to, an estimate, a typical published result, or a proven one.

target
10min
from ISO email to a triaged file in the right queue
In the inbox2–6 hrs
With agents≈ 10 min
target
100%
of submissions checked against your credit box before anyone opens them
screened on arrival
estimated
3×
the submissions each underwriter can work, with the same team
TodayWith agents

“Target” = design goal, measured in the live solution · “Estimated” = our estimate · inbox time = typical shared-inbox delay reported by funders · TIB = time in business

Built on the engine

5 specialist agents. One person decides.

Submission readeremail, PDFs and scans
Credit-box screeneryour rules, every reason shown
Duplicate finderrepeat and shopped files
ISO follow-up writersame-hour requests to the ISO
Queue routerright file, right underwriter
Underwriting managersets rules, owns declines
Merchant Cash Advance

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Altered Statements

Every statement tested for edits before it is underwritten, each finding marked on the page.

Build this
for your team.

We’ll show ISO Triage running on your own documents.

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