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Glossary

ISO

Independent sales organization: a company that sources business for funders or processors.

✓ Checking what you qualify for does not affect your credit score.

What it means

As explained by Merchant Fund Express: Independent sales organization: a company that sources business for funders or processors.

ISOs introduce businesses to funders and are typically paid by the funder.

Why it matters when you apply

Ask how any intermediary is paid and who sets the final terms.

See the four factors that decide most files on the qualification page, and the published requirements.

Related terms

Broker — An intermediary that connects a business to funders without lending its own money.
Underwriting — The review that decides whether and on what terms to fund an application.
Pre-Qualification — A preliminary check of whether you are likely to qualify for financing.

Source: Merchant Fund Express. Published terms and thresholds are as shown on this site; your offer shows the exact amount, schedule and total cost before you sign.

Where this fits

Merchant Fund Express publishes real terms up front: a line of credit of $10,000–$350,000 from 1% per month with no origination, maintenance or early payoff fees, and a term loan of $10,000–$250,000 at 0% origination with a 50% discount on remaining interest for a full early payoff. See the products →

Common questions

What is ISO?

As explained by Merchant Fund Express: Independent sales organization: a company that sources business for funders or processors.

Where can I read more?

The glossary covers the main terms in funding. Each term links to related ones.

See what you qualify for

Apply with Merchant Fund Express: same-day decision, and applying takes a few minutes without affecting your credit score.

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