Virtual.
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For MCA Funder Partners

An active MCA ISO
sourcing US SMB borrowers.

Virtual is a software-first ISO operating exclusively in the MCA space. We source US small business borrowers through proprietary outbound and inbound channels, qualify them against your underwriting criteria, and route each deal to the funder partner whose paper grade, deal size, vertical, and geography fit best.

Schedule a 30-min call →partners@virtualappoint.com

What we do

MCA specialists. Not a generalist marketplace.

No SBA applicants, no equipment financing requests, no borrowers outside your geo coverage — just MCA-fit deals, routed to the right desk.

Source

Outbound + inbound

Proprietary outbound campaigns to US SMBs combined with a borrower-facing inbound funnel. Deal volume scales with our outreach — not gated by SEO or paid spend.

Qualify

Pre-filtered to fit

We collect monthly revenue, time in business, credit range, state, and industry before submission — so the deals you receive already match your basic underwriting criteria.

Route

Best-fit funder

Each application is routed to the funder partner whose paper grade, deal size, geo, and vertical it best matches. We don't blast every submission to every funder.

How we plug in

Three steps from submission to commission.

The integration is light. We adapt to your existing ISO program — email, portal, or API — and your standard underwriting flow.

01

Submit

We send you fit deals.

We deliver pre-qualified applications via your preferred channel — email, partner portal, or API — with the documentation your underwriting team needs.

02

Underwrite

You decide.

Your team underwrites against your own criteria. We track status end-to-end through your portal or status updates so the borrower hears back fast.

03

Compensate

Pay on funded deals.

Commission per funded deal, on a defined cadence. Buy-rate or per-funded structures both work — whatever your standard ISO program looks like.

What we look for

Funders we partner with typically…

Fund MCA or revenue-based capital across at least one paper grade band (A through D).

Operate a clear ISO program with a defined submission channel — email, portal, or API.

Disclose commission structure transparently — per-funded-deal commission, or buy-rate with reasonable upside.

Return decisions within 24 to 48 hours for the majority of submissions.

Pay commissions on a defined cadence — weekly ACH is ideal, monthly is workable.

Maintain a partner portal or reliable status updates so we can track deals end-to-end.

Schedule

30 minutes. Let's see if we fit.

We'll walk through your paper grades, deal size band, geo coverage, ISO terms, and submission process — and tell you exactly how we'd plug in.

Or email partners@virtualappoint.com

Virtual is an Independent Sales Organization — not a direct lender or funder.