Program Guidelines & Eligibility ISO Success

Pre-qualify deals efficiently by following program rules designed specifically for ISO partners.

Core Eligibility

Execution, transparency, and reliability matter more than promises. Legend Funding focuses on consistent outcomes, deal after deal
Time in Business
Minimum 3 months
Monthly Revenue

$20,000+

Bank Account
Active U.S. business checking account required
Accepted Industries
Restricted Industries
Gambling, adult entertainment, illegal services

Credit Considerations

Our credit evaluation focuses on the overall strength of the business, not just the score
Business Performance First
We prioritize cash flow and business health over personal credit scores.
Open Advances
Reviewed on a case-by-case basis. We can consolidate or position alongside existing debt.
All Credit Types
We consider all credit profiles. No strict minimum FICO for most programs.

Submission Best Practices

Key steps to ensure a smooth, accurate, and successful submission process

Revenue Eligibility Verification

Minimum Time-in-Business Requirements

Document Quality & Legibility Checks

Program Alignment & Deal Matching

Pre-Submission Compliance Review

Funding Readiness Best Practices

Latest Insights & Business Tips

Need Guidance on a Submission?

Our partner managers are here to help you navigate specific deal scenarios

Frequently asked Questions

Any U.S.-based small or medium-sized business with consistent revenue can qualify. We work with retail, restaurants, trucking, e-commerce, healthcare, construction, salons, professional services, and more. Even if your credit isn’t perfect, we can still help as long as you have steady monthly deposits.
Most clients receive approvals within a few hours and funding within 24–48 hours once documentation is submitted. We specialize in quick, simplified underwriting so business owners can solve cash-flow needs without waiting weeks
No. Our initial application uses a soft credit pull, which does not impact your credit score. Only after you accept the offer do we complete a full verification.

We only require a few basics:
– Last 3–6 months of business bank statements
– A valid ID
– Voided check / basic business details
No long paperwork, tax returns, or complex statements are needed for most approvals.

You can use Legend Funding for any business purpose, including:
– Inventory & equipment
– Marketing & expansion
– Payroll & operating expenses
– Emergency repairs
– Debt consolidation
– Cash-flow stabilization
We never restrict how you run your business.

No problem — many clients come to us while already working with another lender. We offer second-position, restructures, and consolidation options to improve cash-flow and reduce total daily/weekly stress.