First Base Finance
Join

ISO & broker partner program

Send us the deals the big leagues passed on.

First Base Finance funds small businesses on real cash flow, not a perfect credit score. You get same-day commissions, no clawbacks, and an underwriting team that tells you yes, or tells you why.

Become a partnerSee who we fund

Bank discipline. Private credit structuring. Built for the files both walked past.

Join the partner programStep 1 of 3
About you

Partner applications are reviewed by our partnerships team. No obligation to submit.

Funding range
$10K–$250K
Funding, as fast as
24 hrs
Terms, up to
15 mo
Commissions paid
Same day

Why we exist

We used to be the ones saying no.

  1. OutAt the bankCredit was 580, not 680. Declined.
  2. OutIn private creditA $40K deal? No meeting.
  3. SafeAt First BaseReal deposits, real cash flow. Let's talk.

Our team came out of bank lending and private credit. In both worlds, we watched solid small businesses get turned away because the revenue was too small or the credit wasn't perfect.

You've sent those files. The family restaurant doing $25,000 a month. The two-truck landscaping company. The salon owner who built her book one client at a time. Good operators with real customers who didn't fit the box.

So we built First Base to fund exactly those businesses. We underwrite on deposits, daily cash flow, and how the owner runs the business. We keep terms clear. And when a merchant is ready for a bigger round or a bank loan, we want them to get there because of us, and because of you.

Partner benefits

A funder that plays for your side of the table.

  1. Same-day commissions

    Your commission goes out the same day your merchant funds. No waiting on the next payout cycle.

  2. No clawbacks

    What you earn stays earned. Your book isn't held hostage by what happens after funding.

  3. We fund defaults*

    Prior defaults don't automatically end the conversation.

    *When the default is satisfied or on a payment plan.

  4. Revenue first, credit second

    We look at deposits and cash flow before the score. Bad credit and prior denials don't count a merchant out.

  5. A yes, or a reason

    When we can't fund a file, we tell you why and what would get it there next time, so you can bring it back.

  6. Renewals that grow

    We help merchants move toward bigger rounds and better capital, which means repeat business for you.

Who we fund

Three bases to cover. That's it.

If your merchant clears these, send the file. We underwrite the way small businesses actually operate.

  1. 1stMonthly revenueMinimum average monthly deposits$10K+
  2. 2ndTime in businessNewer businesses welcome3+ mo
  3. 3rdBank statementsThe core of every file we review3 mo
Send the file$10K+3+ mo3 mo

Industries we fund

How it works

Four bases from submission to payday.

A simple play for you and your merchant.

  1. 1st base

    Submit the file

    Send the application and three months of bank statements. The merchant app takes about two minutes.

  2. 2nd base

    We review

    Underwriters look at deposits, daily cash flow, and how the business runs. You hear a clear answer, with reasons.

  3. 3rd base

    Offer and funding

    Once the file is complete, your merchant can be funded in as little as 24 hours.

  4. Home

    You get paid

    Your commission lands the same day the merchant funds. No clawbacks.

Who we work with

If you place small business capital, you belong in the lineup.

  1. 01ISOsShops of every size looking for a reliable home for small-ticket and credit-challenged files.
  2. 02MCA brokers & referral agentsIndependent brokers who want fast answers and commissions that stay paid.
  3. 03CPAs, consultants & advisorsTrusted advisors whose clients need working capital before they're ready for a bank.
  4. 04Bankers & lendersLenders with good businesses they had to decline. We know that feeling. Send them our way.

The files we were built for

Got one of these sitting in your pipeline?

  • Declined elsewhere

    Family restaurant

    Revenue
    $25K / mo
    Credit
    580
    Need
    Seasonal inventory
  • Too small

    Two-truck landscaping co.

    Cash flow
    Steady
    Crew
    2 trucks
    Need
    Equipment repair
  • No tax returns

    Salon with a loyal book

    Clients
    Repeat
    History
    Built 1 by 1
    Need
    Payroll bridge

Ready to get your merchants on base?

Whether you're sending your first file or scaling a full book, we'll give you fast answers, clear terms, and commissions paid the same day.

Questions about volume, pricing, or a specific file?

Email us and a partnerships rep will get back to you.

hello@firstbasefinance.com