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
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
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
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
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
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
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
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
Curated Lender Network
Speed & Efficiency
Transparency
Real Relationships
On-Time Payouts
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
Refer a Merchant
Become a Partner
Have questions? Connect with our support or ISO relations team any time.