A Predictable Funding Process Built for ISO Partners

From submission to funding, Legend Funding provides a clear, transparent workflow that protects your merchant relationships and speeds approvals.

Our ISO-Friendly Workflow

A fast, transparent process designed to support our ISO partners from submission to funding

Deal Submission

Complete ISO form
Upload required documents
Optional merchant notes

Underwriting Review

2–3 hour review
Performance-based evaluation
Clear follow-up if needed

Approval & Terms

Decision sent to Partner Manager
Transparent, upfront pricing
No hidden fees

Funding & Servicing

Same-day or next-day funding
Dedicated Partner Manager support
Early payoff & additional funding options

How We Evaluate Submissions

Our underwriting balances risk management with deal flow speed, focusing on long-term partnership success.

Revenue Over Credit Score

We prioritize consistent business revenue and overall operational performance over personal credit scores. A lower FICO score doesn’t automatically disqualify a strong, healthy business from receiving funding.

Open Advances Reviewed Case-by-Case

Having an existing advance doesn’t mean you’re out of options. We evaluate each situation individually to determine if additional funding can support your business without adding unnecessary strain.

Transparent Communication

We believe in clear, honest communication at every step. No hidden terms, no surprises—just straightforward guidance so you can make informed financial decisions with confidence.

Consistent Risk-Based Pricing

Our pricing is based on real business risk factors, ensuring fair and consistent rates. We tailor funding terms to match your business profile, helping you manage costs while accessing the capital you need.

How to Get Deals Funded Faster

Best practices to speed up approvals and get deals funded without delays

Provide complete, legible bank statements (all pages).

Include accurate revenue and time-in-business data.

Submit all required documents at once to avoid stipulations.

Use notes for unusual merchant circumstances.

Communicate proactively with your Partner Manager.

Ready to Place Deals With Confidence?

Join a capital partner built to support ISO success with speed, transparency, and trust.

Frequently asked Questions

1. What types of businesses qualify for funding from Legend Funding?

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.

2. How fast can I receive the funds after applying?

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

3. Will applying affect my credit score?

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.

4. What documents do I need to get started?

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.

5. What can the funding be used for?

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.

6. What if I already have an existing loan or MCA?

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.