Your Path to Financial Success Starts Here
Independent Sales Organizations (ISOs) — Partner with Credit Card Splits to grow your business and help your clients.
We make it simple to refer funding clients to a trusted partner, specializing in sales-based working capital with high approval rates and lightning-fast funding.
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Why ISOs Choose Us
Partner with Credit Card Splits to grow your business and help your clients with sales-based working capital.
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High Approval Rates — based on revenue, not just credit.
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Fast Funding — clients funded in 0–3 business days.
Approval Rate.
Avg Funding Time.
Commission Tiers.
Support That Fits Small Business Needs
Fast, flexible working capital that protects cash flow and moves at the speed of your business.
Slow Bank Loan Approvals
Banks can take 4–12 weeks. We fund in 1–3 business days so you can act fast.
Low Approval Rates
Banks approve ~34%. We approve 70–90% by focusing on revenue, not just credit.
Collateral Requirements
Skip pledging assets. Get funding with no collateral or personal guarantees.
Credit Score Barriers
We work with scores as low as 550—your sales performance matters most.
Seasonal Cash Flow Gaps
Repay a small % of card sales—lighter on slow days, faster on busy ones.
High Payroll & Operating Costs
Bridge payroll and operating expenses quickly—keep teams paid and open.
Equipment Upgrades
Access up to $900K for replacements or upgrades—without bank delays.
Inventory Shortages
Restock fast with quick funding—don’t lose sales to empty shelves.
Marketing & Growth Costs
Fund ads, SEO, and customer acquisition without choking cash flow.
Emergency Expenses
Cover urgent repairs or surprises immediately with flexible funding.
Manual Collections & NSF Fees
Reduce failed pulls and endless follow-ups. Splits capture at source; ACH uses smart retries and alerts.
Missed Supplier Discounts
Fund fast to capture early-pay and bulk-buy discounts—improve margins without straining cash flow.
The Perfect Fit for Your Clients
Our programs are designed for merchants who:
- Process at least $10k/month in card sales
- Have been in business for 6+ months
- Need funding between $10k–$5,000,000
- Want flexible repayments tied to revenue
How It Works
- Simple ISO Workflow
- Submit Completed Client Application — provide basic info or connect us directly.
- We Handle the Rest — from application and underwriting to fast funding.
- You Get Paid — earn commissions quickly on every funded deal.
What Partners & Merchants Say About Us
“Daily credit card splits changed our risk profile overnight. Repayments are taken at the processor, so NSF events basically vanished. Funding was fast and predictable.”
“Approval rates are consistently higher than bank loans, and paydowns flex with sales. It protects downside in slower months and keeps cash flow stable.”
“Onboarding was quick, reconciliations are finally clean, and automated settlements mean fewer tickets. Our ops workload dropped immediately.”
“As an ISO, I appreciate the transparency and speed. We submit the file, their team handles underwriting and funding, and commissions arrive fast.”
“Processor-agnostic splits with PCI-aligned rails gave us confidence. Live variance alerts helped us intervene early and keep accounts healthy.”
“We used funding to cover payroll during a slow month and ramp inventory before peak season. The split model never choked cash flow.”
Let’s Grow Together
If you’re an ISO looking for a reliable funding partner with fast approvals,
strong commissions, and a reputation for transparency, Credit Card Splits is here to help.
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Approvals based on revenue — not just credit
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Funding in 0–3 business days
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Transparent pricing & dedicated ISO support