Batch Capital for Merchant Services Agents: You Already Have the Processing Statements.

Your merchants trust you with their card volume. Batch Group runs payments too, so an advance can be repaid from the same settlements you set up.

Become a Referral Partner

Merchant Services Agents and ISOs

Same day
File read by a person
$5,000 to $2M
Funding range
6
Product lines, one desk
Written
Partner agreement
Why your clients need funding

Card Volume Is the File.

Three things a merchant services agent already knows about the merchant.

Steady card volume, short on cash

Months of processing statements show the revenue a funder sizes an advance on.

The seasonal swing

A busy season needs inventory and staff funded before the volume shows up.

The merchant asked you first

When a merchant asks their processing rep about funding, you want an answer that keeps them on your book.
How the referral works

Refer the Merchant. Keep the Residual.

01

Refer the merchant

Send the merchant with their consent, plus processing and bank statements if you have them.

02

Matt reads the file same day

A person reads the statements the day they arrive and calls the client with a straight answer.

03

Funded by us, or placed

We fund advances with our own capital and place term, line and equipment where they fit better.

04

You are paid when it funds

Paid on every file that funds, under a written partner agreement, with a written disclosure you can hand the client.

Become a Referral Partner
Every line of credit

One Desk for Every Kind of Funding.

Term loans, SBA loans, lines of credit, equipment financing and advances, matched to what the business actually needs.

Term loans

Up to $5,000,000 through our bank partners, fixed payments over up to 12 years, from 8.77% APR.

SBA loans

SBA 7(a) and 504 loans up to $5,000,000 for expansion, real estate and buying a business, over 5 to 25 years.

Lines of credit

Draw what you need when you need it, and pay interest only on what is outstanding.

Equipment financing

Trucks, machines and buildouts, financed against the equipment itself over 2 to 7 years.

Working capital advances

Funded by us with our own capital, as fast as same day, repaid from card sales or a fixed transfer.

Consolidation and refinancing

Roll existing advances or high-cost debt into one structure the business can carry.
The rules for your profession

No License in NY or NJ. Check the Rest.

Most states let an agent refer an advance freely. A growing few register anyone paid to arrange one.

  • New York has no broker license. A broker who presents offers must first deliver the funder's disclosures (23 NYCRR 600.21). We present every offer ourselves.
  • New Jersey has no commercial financing disclosure law or broker license in force as of October 2026.
  • Virginia and Connecticut register anyone paid to arrange this financing in their state (Va. Code 6.2-2228; Conn. Gen. Stat. ch. 669). Check before referring there.
  • We provide a written disclosure of any referral fee so you can give it to your merchant.

Sources

A summary for orientation, not legal advice. Your licensing board and counsel have the final word.

Commonly Asked Questions

A merchant services referral partner introduces a merchant who needs capital to Batch Capital, which funds advances itself, can collect repayment from card settlements, and places term, line and equipment financing with its lending partners.

Do I need a license to refer merchant cash advances?
Not in New York or New Jersey. Virginia (Va. Code 6.2-2228) and Connecticut (Conn. Gen. Stat. ch. 669) require anyone paid to arrange sales-based or commercial financing there to register, so check before referring a merchant in those states.
Who funds the advance?
Batch Capital funds working capital advances with its own capital. Term, SBA, line and equipment financing are placed with our lending partners.
Can repayment come out of card settlements?
Yes. Batch Group also runs a payments division, so an advance can be repaid from the merchant's card settlements through the terminal rather than only by fixed transfer.
Will funding move my merchant's processing away from me?
Tell us the merchant is on your book and we work the funding around your processing relationship.
What does the merchant need to apply?
Three months of business bank statements, a voided check and a government ID. Our panel's floors as of 2026-09-28 are 3 months in business and $10,000 a month in deposits.
Referral partners

Refer the Merchant. We Will Fund Today Where We Can.

One introduction, a same-day read on the file, and offers across every product the client qualifies for.

Become a Referral PartnerCall +1 (201) 862-4048
Matt Curran
Reviewed byMatt CurranDirector of Batch Capital
Last updated

This page is general information, not financial, legal or tax advice. Talk to your accountant or attorney about your own situation.

Become a referral partner