Fast Funding Frictionless Experience Real Results

At Money-360, we believe access to capital should be fast, clear, and built for real businesses. Whether you’re a merchant seeking working capital or an ISO submitting a deal, our process is designed to deliver results — not delays.

Here's how our streamlined, performance-driven process works

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Step 1: Submit the Deal

Everything starts with a simple submission. For merchants, the application process is brief — just basic business information, recent bank statements, and a few supporting documents. For ISOs, submissions can be done through our dedicated deal portal or directly with our underwriting team.

  • User-friendly submission process
  • Secure document upload
  • Zero fees to apply
  • No obligation offers
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Step 2: In-House Underwriting & Instant Triage

We don't just forward your deal to a lender — we underwrite it in-house first. Our experienced team reviews the deal thoroughly to ensure it's clean, strong, and optimized for the best possible outcome.

  • Faster turnaround time
  • Higher approval rates
  • Better positioned offers
  • One-on-one guidance to reshape weak files
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Step 3: Smart Routing to the Right Lenders

Once our team reviews and pre-qualifies the deal, it's routed to our exclusive network of 50+ trusted funding partners. We match your deal with the lenders it fits best — the ones we know will respond fast and fund quickly.

  • We send the right deals to the right lenders
  • Our lender network is conditioned to respond to us quickly
  • You get cleaner offers, faster
  • Dual-engine system advantage
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Step 4: Offer Review and Negotiation

We'll present the offers clearly and help you understand the details: Total funding amount, repayment structure, terms, rates, and total cost of capital. If needed, we negotiate with lenders to improve terms.

  • Clear offer presentation
  • Total funding amount breakdown
  • Repayment structure explanation
  • Lender negotiation when needed
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Step 5: Contracts & Funding

Once the offer is accepted, we move fast. Our closing team handles document coordination, banking verification, and final underwriting checks. Most deals fund within 24–48 hours.

  • Document coordination and signing
  • Banking verification
  • Final underwriting checks
  • 24-48 hour funding timeline
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Step 6: ISO Earnings & Transparency

ISOs love working with Money-360 because we pay fast — and we pay fairly. Once the merchant receives funding, your earnings are processed with zero delays.

  • Fast earnings processing
  • Zero delays
  • Performance bonuses
  • Tiered payouts
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Step 7: Post-Funding Support & Renewals

Our relationship doesn't end at funding — we keep building. We monitor merchant performance and proactively reach out when they're eligible for renewals, top-ups, or new financial products.

  • Higher retention
  • Increased ISO earnings
  • Longer lifetime value
  • Proactive renewal outreach

This comprehensive 7-step process ensures faster funding, better terms, and ongoing support throughout the entire funding lifecycle

Why Our Process Works Better

In-House Underwriting

No delays. We vet and package deals before they go anywhere.

Curated Lender Network

We only send files to funders who are a fit and they know to respond fast.

Speed & Efficiency

Most deals are reviewed within hours, not days.

Transparency

Clear communication at every step.

Real Relationships

Our lenders trust us, and that means better outcomes for you.

On-Time Payouts

ISO earnings are never delayed or disputed.

Ready to Get Started?

Whether you’re a small business owner or a high-volume ISO, Money-360 is built to help you move faster, earn more, and grow stronger.

Submit a Deal

Start your funding request now.

Refer a Merchant

Connect us with a business in need.

Become a Partner

Join our ISO network and grow.

Have questions? Connect with our support or ISO relations team any time.