How ISOs and Brokers Can Help Merchants Make the Most of an MCA
1. Unlocking Repeat Funding Opportunities
At Garden Funding, merchants may become eligible for additional funding once about 50% of a previous MCA has been repaid. This model allows for more agile cash flow management and uninterrupted growth. While the 50% threshold is a common industry standard, eligibility may vary based on underwriting and funder policies.
2. Fueling Team Expansion
With fast MCA funding, businesses can invest in their workforce by hiring new team members. Whether it’s adding administrative support, building a sales team, or bringing on skilled labor, MCA capital helps cover payroll and recruiting expenses to scale operations more confidently.
3. Solving Operational Challenges
From upgrading outdated equipment to optimizing logistics or inventory systems, an MCA can help businesses address bottlenecks that impact efficiency or revenue. Garden Funding enables merchants to take decisive action without waiting for traditional loan approvals.
4. Seizing Time-Sensitive Opportunities
New contracts, bulk inventory purchases, and seasonal expansions often require immediate funding. With a quick turnaround, Garden Funding empowers business owners to act quickly when growth opportunities arise—before they disappear.
5. A Simpler, Faster Alternative to Bank Loans
Garden Funding offers a streamlined application process, often completed in minutes, with approvals and funding within 24–48 hours. Unlike traditional loans, MCAs are based more on business performance than credit scores, offering an accessible path to capital even for businesses with limited credit history or collateral.
Why Garden Funding Is a Strong MCA Partner
Speed & Simplicity: Applications take minutes, and funds can be delivered within days.
Transparent Repayment: Garden Funding offers clear factor rates with no hidden fees.
Tailored Terms: Repayment structures can be customized based on a business’s sales volume or seasonal fluctuations.
Ongoing Support: The team builds lasting partnerships by supporting both merchants and ISO partners with transparency and speed.
How ISOs & Brokers Deliver Alongside Garden Funding
Simplifying the Merchant Journey
ISOs act as the merchant’s guide through the MCA process—from gathering documentation to pre-qualifying deals. Garden Funding equips ISOs with tools and resources to streamline submissions and reduce friction in the underwriting process.
Matching the Right Product to the Right Merchant
Every business is different. Brokers who take the time to understand cash flow, industry, and risk tolerance help merchants access more relevant, sustainable funding options. Garden Funding works closely with ISOs to offer a range of programs designed to fit different profiles.
Building Trust Through Education
One of the biggest barriers to MCA adoption is confusion. Great brokers take time to explain how factor rates work, how repayments are structured, and how the funding aligns with business growth. This transparency builds trust and long-term client relationships.
Strengthening ISO–Funder Relationships
Garden Funding values its ISO partners. Clear submissions, honest communication, and aligned expectations lead to faster approvals, better offers, and more approvals over time. Brokers who are responsive and detail-oriented become trusted sources for quality deal flow.
Final Thoughts
Merchant cash advances are a powerful tool when paired with a knowledgeable broker and a responsive funder. At Garden Funding, we work hand-in-hand with ISOs to provide flexible capital solutions that help small and mid-sized businesses thrive. Whether your merchant is looking to cover payroll, expand, or bridge seasonal dips, the right MCA can unlock meaningful results—with speed and clarity.