[[email protected]]

Hey guys long time lurker here.

We’re a lean ISO shop getting crushed by inbound volume and I need advice on scaling without getting burned.


Current situation:
∙ 600-800 monthly inbound inquiries (December hit 800+)
∙ ~20% send statements/apps
∙ Close to 50% of those fund at avg $75Kish
∙ Just me + a couple guys handling everything
∙ Deals falling through the cracks due to bottleneck

The problem:

I could hire salaried help but salaried does not necessarily always work hard, and I’m concerned about commissioned brokers stealing data, backdooring deals, or poaching clients. We work with merchants who’ve never taken MCA before (also term loans, other products), so these are fresh relationships.

My question:
Is there a middle ground where I can:
∙ Farm deals to other brokers who’ll honor commission splits?
∙ Or do I need to control submissions but pay other brokers for help?

How realistic is either approach? What safeguards do you use against data theft and backdooring when scaling your team?

For first quarter I have the ability to at least double my inbound interest.


Note: I’m not looking for leads, funders, or software please do not solicit or clog the threads with advertisements. I already have a close group of funders. We have all the software neeed and we generate all our own leads and marketing. We do NOT buy or sell leads at all.

[Dassi@Dragin]

We hear this a lot especially when shops start scaling. I think you have an organization issue and I'd love to help you with this. Many points that you wrote you out is exactly how we help. Feel free to reach out - [email protected]

[[email protected]]

This literally is NOT what I’m looking for.

[Joshbboom]

sent you a DM with one option to take some load off you. I can also answer the other questions you had about the middle ground portion. best idea is to find a trust worthy broker who honors commission splits. paying brokers for help while managing submissions gets tricky. some people will think they are entitled to the control

[hawker8877]

I have been in this industry for 26 years since it started pleas reach out to me

267 467 4101 I can help with many options

David

[Sachip24]

salaried openers that handle the inbound, then it goes to a closer and they get small % of the commission if it closes, with opportunity to turn into actual agents once they reach certain benchmarks (commission only) could work. They will stay incentivized to do a good job so they get part of the commission for more money to them and once they hit next tiers sort of speak if they want to go full time, that gives you a new fully trained rep. I've seen this work at most shops maybe it helps your situation

[[email protected]]

That seem like a decent role in the middle. In terms of the opener how well educated do they have to be on the product and use cases? Are they typically strategic thinking? We probably would have to have a educational training class for a couple of weeks

 

 

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[jpctl]

It's great that you and a couple other people are able to drive that volume. Congratulations.

I love what @Sachip24 said. I'd be interested in working on a commission-only basis. Send me a private message if you're ever looking for a closer.

Congratulations on growing and looking to scale

[Finance Guru]

I'm a direct MCA Funder who has helped and guided other shops like yours with a similar same situation. Please call me if you would like to discuss some ideas and options.

[brandon_]

Hey guys long time lurker here.

We’re a lean ISO shop getting crushed by inbound volume and I need advice on scaling without getting burned.


Current situation:
∙ 600-800 monthly inbound inquiries (December hit 800+)
∙ ~20% send statements/apps
∙ Close to 50% of those fund at avg $75Kish
∙ Just me + a couple guys handling everything
∙ Deals falling through the cracks due to bottleneck

The problem:

I could hire salaried help but salaried does not necessarily always work hard, and I’m concerned about commissioned brokers stealing data, backdooring deals, or poaching clients. We work with merchants who’ve never taken MCA before (also term loans, other products), so these are fresh relationships.

My question:
Is there a middle ground where I can:
∙ Farm deals to other brokers who’ll honor commission splits?
∙ Or do I need to control submissions but pay other brokers for help?

How realistic is either approach? What safeguards do you use against data theft and backdooring when scaling your team?

For first quarter I have the ability to at least double my inbound interest.


Note: I’m not looking for leads, funders, or software please do not solicit or clog the threads with advertisements. I already have a close group of funders. We have all the software neeed and we generate all our own leads and marketing. We do NOT buy or sell leads at all.

I'm happy to share what works for us if you want to PM me.

[hawker8877]

this is David we just spoke can you please call me back

267-467-4101

ty

[[email protected]]

No we have not?

 

 

Sent From the DailyFunder Mobile App

[markthebroker]

The bottleneck you're describing is super common. I work with a bunch of ISO shops and the 600-800 inbound range is where things usually break.

A few things I've seen work for shops at your stage:

1. Triage before you even look at it
The shops that scale best have some kind of auto-scoring on inbound. Basic stuff - revenue threshold, time in business, credit floor. Anything below the line gets an auto-response with a "we'll reach out next quarter" message. Sounds harsh but one shop cut their workload by 35% doing this and didn't lose any real deals.

2. The "opener" role is underrated
@Sachip24's advice is solid. I've seen shops hire part-timers at $15-20/hr just to handle first contact - collect docs, verify info, book calls. Small commission structure (2-3% ) keeps them motivated but they can't really steal deals since they don't have funder relationships. Works well.

3. Automate the repetitive stuff first
Before you hire anyone, automate what you can. Follow-ups, doc requests, status updates - that's where most time gets wasted. Some shops I work with have saved 10-20 hours a week just by setting up basic workflows. Makes a bigger difference than you'd think.

4. The farming out thing is risky
I've heard mixed results on this. The shops that tried it said other brokers cherry-picked the easy deals and ghosted on anything complex. If you do it, only farm out deals you'd normally pass on anyway.

5. Hybrid comp structures reduce risk
The shops that have the least turnover do base + commission. Something like $2.5k-3k base + 10-15% commission. High enough they don't leave, low enough they have to close deals. Pure commission attracts people who are just testing the waters.

The volume you're hitting is actually a good problem. Most shops never get there. Sounds like you've got the fundamentals down, just need the operational side to catch up.

[Magicmike18]

we work with a couple shops doing this right now would love to work out a fair split if you’re looking for help still with the workflow

[Anya From Xuper Funding]

Hope you can get your bottleneck problem resolved soon! So that you can handle submissions at optimal efficiency - and that probably means you'll need more funders.
So, when the right time comes, please feel free to contact Xuper Funding, a direct lender in both USA & Canada.

We actively collaborate with our ISO partners during negotiations and expect a hands-on approach to help bridge gaps and move deals forward.

Anya
[email protected]
(888) 668-8802
https://xpfunding.com/
37-12 Prince St #2A, Flushing, NY 11354
125 Commerce Valley Dr. West, Suite 802, Markham, ON, L3T 7W4

[kredline]

Honestly, if you want a piece of mind I'd suggested paying someone a competitive salary. If you have that amount of volume coming it, I don't think it would be an issue for you. That way you don't have to worry if they're backdooring you, and if you pay them enough, then they'll work hard. You could also offer bonuses to increase their work ethic and increase output.

[MCN]

Hey guys long time lurker here.

We’re a lean ISO shop getting crushed by inbound volume and I need advice on scaling without getting burned.


Current situation:
∙ 600-800 monthly inbound inquiries (December hit 800+)
∙ ~20% send statements/apps
∙ Close to 50% of those fund at avg $75Kish
∙ Just me + a couple guys handling everything
∙ Deals falling through the cracks due to bottleneck

The problem:

I could hire salaried help but salaried does not necessarily always work hard, and I’m concerned about commissioned brokers stealing data, backdooring deals, or poaching clients. We work with merchants who’ve never taken MCA before (also term loans, other products), so these are fresh relationships.

My question:
Is there a middle ground where I can:
∙ Farm deals to other brokers who’ll honor commission splits?
∙ Or do I need to control submissions but pay other brokers for help?

How realistic is either approach? What safeguards do you use against data theft and backdooring when scaling your team?

For first quarter I have the ability to at least double my inbound interest.


Note: I’m not looking for leads, funders, or software please do not solicit or clog the threads with advertisements. I already have a close group of funders. We have all the software neeed and we generate all our own leads and marketing. We do NOT buy or sell leads at all.

I think you run a real risk of losing control if you farm them out to another broker or Super ISO. What i would recommend is using a reliable offshore company where you can hire openers for cheap and give them a small commissions split on top to keep them motivated. I personally use a company not in the MCA space because i dont trust anyone here.

Try calling Jack 516-732-9362 at Cheaperteam.com hes very honest and he'll let you know if this is a good idea or not.