ISO & broker partners · Miami · New York · Toronto
We underwrite and fund on our own book across the US and Canada, from MCA through asset-based, so the answer you get is ours to give.
Products
Most desks only want clean MCA, which is why Canadian paper and second-position files sit in your pipeline for a week. Send them here instead.
We advance against real revenue on B+ / B paper, up through 4th position.
Canadian merchants who don’t fit a US-only funder land here. We cover every province except Quebec.
We fund these off our own balance sheet, secured by fleets, equipment, boats, planes, and real property. You earn one month of interest on the facility.
Commission
You work off three tiers — Platinum, Gold, Silver — and you earn the spread between our buy rate and the rate you sell at. Our ceiling is among the highest in B paper, and it’s written down rather than negotiated deal by deal.
How we work with ISOs
Once you’re submitting, here’s how we handle renewals, funding, and your merchants.
Renewals pay you at the same commission rate as the first deal. We don’t run a short inactivity window and quietly pull the account onto our house book.
We fund from our own capital instead of shopping your file around the market. If you want money in next to a deal, you can syndicate alongside us on approved files, and the structure decides your participation and the fees.
We don’t reach out to re-solicit a merchant you originated without involving you. That’s covered in the ISO agreement.
Deal box
Bridgecap is the B+ / B book. Select a desk to see its underwriting box. Across the group, Bridgecap Prime covers A− paper and Pawn Funding covers B− / C.
$75K+ real monthly revenue, 550+ FICO in 1st, 2 years in business, max 10 negative days, 5+ deposits a month, all 50 states, up to 4th position.
$50K+ monthly revenue, 18 months in business, max 5 negative days, 2nd through 5th position, all provinces except Quebec.
Send a signed application and the last three months of bank statements. Add financials and tax returns once the ask clears $150K, and we’ll need a driver’s license and voided check at close.
We can’t fund marijuana, check cashing, auto sales, specialty law, or debt consolidation. Send one and we’ll have to decline it.
What people say
Brokers weigh two things before they send a file: whether the desk answers, and whether it stays out of their relationship.
“I stopped shopping B paper across six desks because I no longer need to. Bridgecap answers the same day, the stips arrive as one list instead of five emails, and a decline comes with the reason that killed it so I know where the file goes next. My merchants renew through me rather than around me. Most funders never get that part right.”
“Bridgecap answers the file the same day, and when they pass, my rep tells me exactly why. That one habit saves me from shopping the same merchant to four desks. Commission lands when they say it will.”
“I’ve placed B and B− paper with this desk for two years, and nobody has ever gone around me to my merchant. That’s the whole reason my renewals keep coming back here.”
Press: Yahoo Finance, NY Weekly, Wall Street Times, Washington Times, Financial Tech Times, Real Estate Today.
Who you deal with
If we decline, we’ll tell you why so you can take the file somewhere else the same day.
General contact: info@bridgecapfinancial.com · +1 (855) 648-5914.
We’ll send the ISO agreement and buy-rate grid the same day. If you already have a complete file, send that instead and we’ll work it.
