ISO & Referral Partners

Don't Let a Decline End the Merchant Relationship.

When a merchant is too leveraged to fund, another advance may not be the answer. Rapid Reconciliation gives ISOs and brokers another path — helping distressed merchants work through their existing MCA obligations while you remain the relationship they trust.

Help the merchant. Protect the relationship. Create another revenue channel.

You've Seen This File Before.

The merchant still needs help. The question is what happens next.

Merchant Needs Capital
File Is Submitted
Merchant Is Overleveraged
Multiple Funders Decline
No Responsible Funding Option Exists

"Unfortunately, we couldn't get you approved."

With Rapid Reconciliation

"Funding may not be the right solution today, but I have another option that may help."

Many brokers spend years building merchant relationships. When a merchant becomes heavily stacked or financially distressed, continuing to search for another advance may not solve the underlying problem. Rapid Reconciliation gives the broker another option.

Be Their First Call — Not Just Their Funding Call.

The best merchant relationships should not exist only when a business needs capital.

When a merchant starts struggling with its MCA payments, the broker who originally helped secure financing is often one of the first people the merchant calls.

That puts you in a unique position.

Instead of sending the merchant away when additional funding is no longer appropriate, you can help guide them toward a structured reconciliation process.

IDENTIFY

Recognize when additional financing may compound the merchant's cash-flow problem rather than solve it.

REFER

Introduce the merchant to Rapid Reconciliation as a potential next step for addressing existing MCA payment obligations.

REMAIN

Stay connected to the merchant relationship instead of disappearing when the merchant becomes difficult to fund.

Become the person your merchant calls for the entire financial relationship — not only when they need another advance.

Stay With the Merchant Through the Entire Business Cycle.

Needs Capital
Receives Funding
Business Changes
Cash Flow Tightens
MCA Payments Become Difficult
Reconciliation
Business Stabilizes
Future Financing Opportunity

Most brokers participate in only one part of this cycle: funding.

Rapid Reconciliation gives referral partners a way to remain relevant when the merchant enters a period where additional capital may not be the appropriate solution.

When the merchant is financially healthier and becomes financeable again, the existing broker relationship may still be there.

Rapid Reconciliation does not guarantee that a merchant will become financeable again. Future financing depends on the merchant's circumstances and lender qualifications.

When Does Rapid Reconciliation Make Sense?

DECLINED FILE

The merchant has been declined by multiple funding sources.

OVERLEVERAGED

Existing MCA obligations are making additional financing difficult or inappropriate.

HEAVILY STACKED

The merchant has multiple MCA positions and significant payment pressure.

CASH-FLOW DISTRESS

Revenue may still exist, but current payment obligations are creating significant pressure on operating cash flow.

RENEWAL ISN'T THE ANSWER

The merchant needs assistance, but another renewal or additional position may compound the problem.

MERCHANT CALLS FOR HELP

A previous customer contacts the broker because existing payments have become difficult to maintain.

Instead of losing the file, give the merchant another path.

More Than a Referral. A Better Way to Protect the Relationship.

KEEP THE RELATIONSHIP

Continue providing value even when the merchant cannot currently qualify for financing.

EXPAND YOUR SOLUTIONS

Add reconciliation as another option in your merchant relationship without becoming a reconciliation company yourself.

CREATE ANOTHER REVENUE CHANNEL

Eligible partners can earn commissions based on successfully activated reconciliation cases and merchant payments.

DIFFERENTIATE YOUR ISO

Become more than the broker who searches for capital. Become a resource merchants can call when financial circumstances change.

BUILD LONG-TERM VALUE

A merchant who remembers who helped during a difficult period may become a stronger long-term relationship.

NO NEED TO FORCE ANOTHER FUNDING

If additional capital is not appropriate, the relationship does not have to end.

You Make the Introduction. Rapid Reconciliation Does the Work.

STEP 1

REFER

Partner submits the merchant through Rapid Reconciliation.

STEP 2

ANALYZE

Rapid Reconciliation reviews the merchant's MCA obligations and financial information.

STEP 3

RECONCILE

Where appropriate, reconciliation options are presented and participating funders can review the proposed structure.

STEP 4

ACTIVATE

Once the applicable structure and agreements are accepted, the reconciliation becomes active.

STEP 5

EARN

The partner earns the applicable commission as qualifying merchant payments are successfully made.

The partner can remain informed through the Rapid Reconciliation Partner Portal.

Partner Commission Calculator

See What Your Referral Channel Could Become.

Adjust the inputs to project your potential commission as a Rapid Reconciliation referral partner.

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Broker Commission Rate: 3% of reconciled payment

Projection Period: 90 days / 13 weeks per merchant

Adjust the inputs above to see your projected commission in real time.

Commission Forecast

Live projection based on your inputs

Est. Reconciled Payment / Week$1,000
Commission / Active Merchant (weekly)$30
90-Day Commission / Referral$390
Monthly Referral Value$1,950
Projected Annual Commission$23,400
Annual Activated Referrals60
Annual Referred MCA Volume$6,000,000

Illustrative estimates only. Actual commissions depend on accepted reconciliation payment structures, activated cases and qualifying merchant payments successfully made. Referral volume, payment amounts, reconciliation duration and actual earnings may vary.

Funding is one chapter of the merchant relationship.

Growth requires capital.

Distress requires a different solution.

Great partners know when to recognize the difference.

Rapid Reconciliation gives you somewhere to take the conversation when another advance isn't the answer.

What Rapid Reconciliation Is Not.

Transparency matters. Here's what our service is — and what it isn't.

Rapid Reconciliation Is Not

A debt settlement company
A lender
A new MCA
A recommendation to stop paying funders
A recommendation to change bank accounts to avoid payments
A guaranteed payment reduction

What It Is

Rapid Reconciliation provides financial analysis, structured communication, and the development of sustainable payment structures where accepted by participating funders.

The platform is built around reconciliation — helping distressed merchants work through existing MCA obligations while maintaining transparency with all parties involved.

Partner Portal

Built for Referral Partners.

Manage your referrals and track your commission pipeline from a single dashboard.

Submit merchants
Track applications
Monitor case progress
View projected commissions
View approved commissions
Track earned commissions

Your Merchant Doesn't Stop Being Your Client Because They Can't Be Funded Today.

Give your merchants another path when additional financing isn't the right solution — and build a relationship that extends beyond the next funding.