Fund the deals you're currently shaving.
We're introducing funders to an institutional syndication partner that participates deal by deal. You keep origination, the underwriting call, servicing, and the merchant. They bring balance sheet on the files where you want it.
THE NUMBER THAT NOBODY TRACKS
It wasn't a credit problem
Every funder has the same week. Volume runs hot, a larger file comes in clean, and the answer is a trimmed offer or a pass, not because underwriting said no, but because the capital wasn't there on Thursday.
Pull your last 90 days of approvals and count two things: deals you declined purely on capital, and deals where you cut the offer below what underwriting approved. Most funders can't produce that number, because those deals never made it into a report. They just quietly went to whoever could write the whole thing.
TERMS OF THE ARRANGEMENT
Institutional capital, one counterparty.
Most syndication money in this business is retail: individuals writing $5K to $25K, wires you chase, cherry-picking on files, and attrition after a rough vintage. It works, and it doesn't scale. It multiplies. This is the other structure.
Participation
Control
Counterparty
Timing
Your economics
Deal by deal. No commitment to send volume, no minimum flow. Use it on the files where it helps and skip it everywhere else.
Origination, the underwriting decision, servicing, collections, and the merchant relationship all stay with you. You're renting a balance sheet, not giving up your book.
One agreement, one relationship, consistent participation size, instead of thirty individual syndicators to manage every month.
Institutional balance sheet rather than a personal account, so capital shows up the week your volume spikes instead of the week after.
You keep origination and servicing income on paper you only partially funded, revenue that doesn't stop the moment your own capital is fully deployed.
BEFORE YOU FILL ANYTHING OUT
Is this actually for you?
Yes, if
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You originate MCA, RBF, or SBF paper directly and underwrite in-house
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You're funding consistently, with performance history you can show
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You've passed on or trimmed deals in the last quarter for capital reasons
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You syndicate to retail participants now and want to consolidate
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You want more originations without giving up underwriting authority
No, if
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You're an ISO or broker without your own funding operation
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You're an individual investor looking to syndicate into deals; this partner supplies capital, it doesn't take retail money in
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You're pre-revenue or have no funding track record yet
THE OBVIOUS QUESTION
Why we're not naming them here.
Fair question, and worth answering plainly. This partner isn't running a public program. They work through a small number of vetted channels, and Funder Intel is one of them. Putting their name on a public page puts them in front of every broker, aggregator, and competitor in the industry, which is the thing they're avoiding.
So, you'll know exactly who they are from the introduction email. Not a drip sequence, not a gated PDF that leads to another gate. You tell us about your platform, we confirm it's in their box, and we make a direct introduction. No obligation on either side to move forward.
Three Steps
1 / You submit
Basic detail on your platform, your volume, and how you're funding today. It costs you nothing.
2 / We review
Usually inside two business days. If it isn't a fit, you get a straight answer rather than silence.
3 / We introduce
Direct email to their capital team. From there it's your conversation, we're out of the middle.