Revenue based funding, built for ISO partners
Become a partner Submit a deal

A direct funder for ISOs

Your files. Your merchants. Funded fast.

Lotus Funding Group partners with ISOs and brokers to provide revenue based funding to small businesses. We underwrite on cash flow, protect your deals and pay you when they fund.

Become a partner Submit a deal
Renewals credited to youCommission on funding
Your dealsSample view
Harbor Mechanical LLCSubmitted this morning
In underwriting
Northside Dental GroupOffer sent to you
Offer out
Coastline Freight IncContract signed
Funding call
Maple & Main BakeryFunded, commission paid
Funded

Example businesses for illustration only.

Built around partners

Your deal, your merchant.

Every file you send stays your deal from submission to renewal. You keep the relationship, and we back it with fast decisions and clear terms.

  • Quick decisions, with a clear reason when a file isn't a fit
  • Offers and counteroffers go to the submitting ISO
  • When your merchant renews, the renewal is yours

Why partners send us files

We run like a partner, not a black box.

A dedicated rep

One relationship manager who knows your shop, your volume and your merchants.

Underwriters on the phone

Talk a file through before and after you submit. No ticket queues.

Cash flow underwriting

We read deposits, not just a credit score, so more of your files get a real look.

Paid on funding

Commission is paid when the deal funds, with a clear statement of what you earned.

Easy to explain to your merchant

A simple product your clients understand.

Lotus funds merchant cash advances. Your merchant gets capital up front and remits a share of revenue until the purchased amount is delivered. No equity, no surprises.

How an advance works
How an advance worksIllustration
Merchant depositsShare remitted to Lotus
1
Capital up frontWe buy a portion of future receivables and fund the purchase price.
2
A share of revenue comes backDaily or weekly remittances, set from actual deposits.
3
A renewal for youAs the balance pays down, we flag the merchant to you for more.

Industries we fund

Send us main street and mid-market files.

Construction and trades

Contractors, electricians, plumbing, HVAC, roofing

Transportation

Trucking, logistics, freight and delivery

Healthcare

Medical and dental practices, therapy, home care

Restaurants and hospitality

Restaurants, bars, catering, hotels

Retail and ecommerce

Storefronts, online sellers, franchises

Auto

Dealers, repair shops, body shops

Wholesale and manufacturing

Distributors, fabricators, producers

Professional services

Staffing, agencies, consultancies

How it works for partners

From submission to commission.

Submit

Email the application and recent bank statements to our submissions desk and copy your rep.

Get your offer

Underwriting reviews the file and the approval comes back to you to present.

Fund and get paid

Contract by e-sign, funds by ACH or wire, and your commission is paid on funding.

Send us your next file.

Become a partnerHow to submit

ISO partner program

A funder that protects your book.

You get a relationship manager who knows your shop and underwriters who answer the phone.

Become a partner Submit a deal Request guidelines
What partners getISO program
1
Your own relationship managerA direct line for pricing questions, status and stips.
2
Renewals credited to you

Our commitments to ISOs

What you can hold us to.

Offers come to you

Approvals and counteroffers go to the submitting ISO, so you control the conversation with your merchant.

Renewals stay yours

When a merchant you brought renews, the renewal is credited to you.

Paid on funding

Commission goes out when the deal funds, with a statement for every payment.

Straight answers

If a file isn't a fit you hear it quickly, with the reason, so you can place it elsewhere.

People, not a portal

Your rep and our underwriters take calls. Talk a file through before you send it.

Submitting a deal

From submission to commission.

Email your package and copy your relationship manager. One file per email, with “New Deal / New Submission” in the subject line.

Send the package

Signed application and recent business bank statements, plus details of any open positions.

Underwriting review

An underwriter reviews the file and calls you with any questions.

Offer to you

The approval comes to you to present to your merchant.

Contract and funding

Contract out by e-sign, a short funding call, then funds by ACH or wire.

Commission paid

Your commission is paid on funding.

Submit to

subs@lotusfundinggrp.com

Copy your Lotus relationship manager on every submission. New partner? Apply below and we will set you up with a rep.

Funding guidelines

Request our updated guidelines.

Get the current Lotus program terms, pay structure, business requirements and submission details. Tell us where to send them and a relationship manager will follow up.

  • Current program terms and funding ranges
  • Pay structure by factor rate
  • Business requirements and submission details

Request guidelines

Become a partner

Tell us about your shop.

We'll review your details and a relationship manager will reach out to set you up with an ISO agreement and submission instructions.

  • ISO agreement signed electronically
  • Introductory call with your relationship manager
  • Submit your first file the same day

Partner application

Partner questions

What ISOs ask before the first file.

Who gets credit for a renewal?

You do. Renewals on merchants you brought to us are credited to you.

How and when is commission paid?

Commission is paid on funding, and every payment comes with a statement showing the deal and the amount. Your relationship manager will walk you through the schedule in your ISO agreement.

Can I talk a file through before I submit?

Yes. Call your relationship manager or an underwriter and we will tell you plainly whether it's worth sending.

How do I submit?

Email the package to subs@lotusfundinggrp.com and copy your relationship manager. Put “New Deal / New Submission” in the subject line so it lands in an underwriter's inbox.

Revenue based funding

One product, done well.

We fund merchant cash advances. That focus is why our underwriting is quick, our contracts are clear and our team knows the product inside out. Share this page with your merchants.

Submit a deal
What your merchant getsMerchant cash advance
A
Lump sum up frontPaid to the business account by ACH or wire.
B
Remittance from receivablesFixed daily or weekly amounts based on deposits.
C
No equity given upThe owner keeps full ownership and control.

How it works

The life of an advance.

Deposits reviewed

Recent bank statements show how the business earns. That is the core of our decision.

Offer presented

The purchase price, the receivables purchased and the remittance, in plain terms, through the merchant's ISO.

E-signed

The owner signs from a phone. We verify the account and schedule funding.

Funds arrive

The full purchase price goes to the business account by ACH or wire.

Remittances begin

Daily or weekly ACH remittances, sized from deposits.

Renewal

As the balance pays down, the merchant's ISO can submit them for more.

Compared with a bank loan

Why owners choose revenue based funding.

Lotus merchant cash advanceTraditional bank loan
What it isPurchase of future receivablesDebt with interest
Decision based onDeposits and cash flowCredit history, collateral, years of financials
PaperworkApplication and bank statementsTax returns, financial statements, business plan
Time to fundsHoursWeeks to months
OwnershipNo equity given upNo equity given up

Merchant questions

What your clients will ask.

Is this a loan?

No. A merchant cash advance is the purchase of a portion of a business's future receivables. The business receives the purchase price up front and remits an agreed share of receivables until the purchased amount is delivered.

How is the remittance set?

From the business's actual deposits. Remittances are collected daily or weekly by ACH, and the agreement explains how to request a review if revenue changes.

Can the business get more later?

Yes. As the balance pays down and the business performs, its ISO can submit it for additional funding.

How do I get funded by Lotus?

Through an independent ISO or broker. Lotus doesn't take applications directly from business owners.

Have a file that fits?

Submit a dealBecome a partner

About Lotus

A funding partner for the broker community.

Lotus Funding Group provides revenue based funding to small and mid-sized businesses across the United States, working hand in hand with ISO and broker partners.

Your success is our focus. Your growth is our purpose.

Our approach

Built around the people who bring us deals.

We built Lotus around the brokers who send us files: quick answers, fair terms and a team that picks up the phone.

That lets us put our effort where it matters: underwriting files quickly on real cash flow, writing offers merchants can understand, and keeping the same people on a deal from submission to renewal. It is how we earn repeat files from ISOs and repeat fundings from their merchants.

Speed

Decisions in hours, because your merchant's opportunity doesn't wait.

Clarity

Every offer shows the funded amount, the payback and the remittance before anyone signs.

Partnership

We protect the brokers who bring us business, from the first file to the fifth renewal.

Partner with Lotus.

Become a partnerSubmit a deal

Contact

Talk to the partner desk.

For new partnerships, deal questions and submissions.

Deal submissions
subs@lotusfundinggrp.com
Please make sure to put “New Deal / New Submission” in the email subject so the deal is placed in an underwriter's inbox.
Partner desk
(908) 864-2532
subs@lotusfundinggrp.com
Office
33 Downtown Drive, #400
Monsey, NY 10952
Hours
Monday to Friday, 10am to 7pm Eastern

Send us a message

Looking for funding for your business? Lotus works through independent ISOs. Ask your funding advisor about us.

Privacy policy

Your information and how we use it.

Last updated October 29, 2026

Lotus Funding Group (“Lotus,” “we”) respects your privacy. This policy explains what we collect through this website and how we use it.

What we collect

When you fill in a form on this site, we collect what you enter, such as your name, company, email address, phone number and message. Our systems also record basic technical details, such as your IP address, to keep the forms free of spam and abuse.

How we use it

  • To answer your request, send our funding guidelines or set up a partner relationship
  • To review and process funding files that partners submit
  • To protect this site and our business from fraud and abuse
  • To meet legal and regulatory obligations

We do not sell your personal information.

Who we share it with

We share information only with service providers who help us run this site and deliver email, under obligations to protect it, and when the law requires us to.

How long we keep it

We keep form submissions for as long as we need them for the purposes above and to meet our record keeping obligations.

Your choices

You can ask us to show you, correct or delete the information you sent us by emailing subs@lotusfundinggrp.com.

Contact us

Lotus Funding Group, 33 Downtown Drive, #400, Monsey, NY 10952. Phone (908) 864-2532.