Banks want buildings.
No real estate, no inventory, no equipment. Traditional lenders struggle to value residual income.
ISO Secured Lending
Turn your residuals into capital. Keep your portfolio.
Borrow $100,000 to $50 million against your merchant processing residuals. Terms up to 60 months. What your residual earns above the payment stays with you.
- $100K–$50M
- Up to 60 months
- Interest-only options
- You keep the overage
Let's find the right financing.
The problem
You built recurring income. Most lenders can't see it.
Terms stop short.
Many residual lenders stop at around 10 months. Short terms mean heavy payments.
Payments take it all.
When the whole residual goes to the loan, nothing is left to run the business.
The ISO Secured Lending difference
One lender. Three ways it works better.
60months
Longer terms
Terms run up to 60 months, so the payment fits the portfolio.
Interest-only
Lighter payments
Pay interest only, or pay down part of the principal as you go.
Overage
The rest is yours
Residual income above the loan payment stays with you every month.
Terms and structures are subject to underwriting and approval and vary by transaction.
How we see it
We see the asset behind the income.
Thousands of merchants. One monthly residual. A measurable history. We underwrite the portfolio itself: how the income performs, how the merchant base behaves, and what rights you hold.
Merchant accountsMany small streams
Residual portfolioOne income asset
FinancingCapital built around it
What we finance
Six ways to put your portfolio to work.
ISO Secured Lending
Capital secured by your existing residual income, without selling the portfolio.
Portfolio Acquisition Financing
Funding to buy a merchant residual portfolio.
Growth & Expansion Capital
Recruit agents, add merchants, build operations.
Residual-Backed Refinancing
Replace an existing obligation with a structure that fits better.
Structured Capital Solutions
Negotiated structures shaped by your cash flows and objectives.
Portfolio Consolidation Financing
Bring several portfolios together under one owner.
Availability depends on the portfolio, the structure, and underwriting. See financing solutions →
How it works
Four steps. One conversation to start.
Timing varies with each transaction, and no step guarantees approval or funding.
Who we serve
Built for the people who build portfolios.
Let's connect
Your residuals built the business. Let them finance what comes next.
Financing Solutions
Capital secured by the income you have already built.
ISO Secured Lending provides financing from $100,000 to $50 million secured by merchant processing residual portfolios. Each transaction is underwritten and structured individually.
Residual-Backed Loans
Unlock capital against an existing portfolio. Depending on the loan structure, you may retain ownership of the portfolio and its future income while the loan is outstanding.
Acquisition Financing
Finance the purchase of merchant residual portfolios and other eligible recurring-revenue assets. The acquired portfolio, an existing portfolio, or both may serve as collateral.
Growth Capital
Access capital for recruiting agents, acquiring merchant accounts, expanding operations, and strategic investment, supported by the residual income you already generate.
Refinancing
Evaluate opportunities to restructure existing residual-backed obligations. We review current terms, liens, and payoff requirements before discussing alternatives.
Customized Structured Finance
Explore financing designed around portfolio cash flows, collateral, risk profile, and transaction objectives.
Terms run up to 60 months. Structures may include interest-only payments, partial principal payments, amortizing repayment, or other negotiated arrangements where offered and approved. Residual income above the loan payment stays with the borrower. Not every structure is available to every borrower. Explore repayment structures
Capital Use Selector
What would the capital do?
Choose an objective to see what a first conversation usually covers.
A Different Starting Point
How our approach differs from other lenders.
A general comparison of approach. Individual lenders and transactions differ.
| Consideration | Other lenders | ISO Secured Lending |
|---|---|---|
| Primary collateral | Real estate, equipment, inventory, receivables | Rights to recurring merchant processing residual income |
| What gets analyzed | Company financial statements and tangible assets | Residual history, merchant base, attrition, concentration, contract rights |
| View of residuals | Often treated as general revenue | Treated as an income-producing asset with its own performance record |
| Industry documents | ISO and agent agreements may be unfamiliar | Processor agreements, assignment terms, and residual reports are reviewed directly |
| Term | Many residual lenders stop at around 10 months | Up to 60 months |
| Your residual during the loan | Often swept in full to repay the advance | Residual above the loan payment stays with you |
| Repayment design | Typically standardized products | Negotiated around portfolio cash flows, where offered and approved |
| Alternative to a sale | Rarely the focus | May provide liquidity without an outright portfolio sale, subject to structure |
Explore structured capital for your portfolio.
All financing is subject to underwriting, eligibility, documentation, and final approval.
How We Value Portfolios
We Understand the Asset Behind the Income.
A residual portfolio is more than its latest monthly payment. These are the characteristics that can influence how a portfolio is viewed in financing. Valuation and borrowing capacity are determined only through individualized underwriting.
Underwriting Considerations
Fourteen things a portfolio review looks at.
Select a factor to see what it is and why it matters. This is general education about residual portfolios, not a scoring model.
Portfolio Explorer
Describe a portfolio. See what its numbers say.
Enter approximate figures to see simple arithmetic observations. The explorer does not estimate value, borrowing capacity, or terms.
Illustrative residual income if the entered rates held constant for 36 months
These observations restate your inputs. They are not an offer, a valuation, an estimate of borrowing capacity, or an indication of approval. Real portfolios do not attrit or grow at constant rates.
The real answer comes from the real portfolio.
A confidential review begins with a conversation, not a document request.
Structured Repayment
Capital Structured Around Your Business.
Terms of up to 60 months, with interest-only and partial-payment options. Whatever your residual produces above the loan payment stays with you. Availability depends on the transaction and approval.
Up to 60 months
Many residual lenders stop at around 10 months. A longer term spreads repayment out and lowers the monthly payment.
You keep the overage
Each month, residual income above the loan payment stays with you.
Conventional amortization
Level payments of principal and interest retire the balance by maturity. Predictable, and the balance falls every month.
Interest-only structures
Payments cover interest for a period or the full term. Principal remains outstanding and is due later, often as a balloon payment at maturity.
Partial payments
Pay interest plus part of the principal as you go, reducing what is due at maturity without committing the whole residual.
Negotiated maturity and terms
Term length, prepayment provisions, and covenants are negotiated as part of the overall structure.
Repayment Structure Explorer
See how structure changes the payment and the balance.
Enter any figures you like. The rate and methods here are inputs for illustration and do not represent ISO Secured Lending offers.
Remaining balance by month
Payment schedule
| Month | Payment | Interest | Principal | Balance |
|---|
For education only. Actual rates, fees, terms, and structures are set through underwriting and documented in loan agreements. Residual income changes month to month, so the actual overage will vary.
Talk through a structure that fits your portfolio.
Who We Serve
Built for the people who build portfolios.
From a portfolio owner seeking $100,000 to an acquirer structuring a $50 million transaction, the starting point is the same: the residual income and the rights behind it.
Independent Sales Organizations
Access capital supported by the residual income your organization has developed. ISOs often use financing to fund agent recruiting, buy out partner or agent residuals, or bridge a growth plan without giving up equity.
Merchant Acquiring Companies
Evaluate structured capital for portfolio expansion, strategic transactions, and operational growth. Larger transactions typically involve more detailed diligence on sponsor relationships and portfolio composition.
Residual Portfolio Owners
Explore liquidity without necessarily pursuing an outright portfolio sale. If you own residual rights as an agent or sub-ISO, your agreement's assignment terms are an early part of the conversation.
Portfolio Buyers & Aggregators
Evaluate capital structures for acquiring and consolidating recurring-revenue assets. We can engage while a purchase is still being negotiated so the financing and the acquisition are designed together.
Payment Industry Entrepreneurs
Finance expansion opportunities supported by qualifying portfolio economics, whether that means a new vertical, a new sales channel, or a technology investment.
Strategic Financial Partners
Brokers, advisors, and intermediaries can establish referral relationships and bring specialized financing opportunities for discussion.
Leadership & Capital Expertise
Experience Across Payments, Capital Markets, and Structured Finance.
ISO Secured Lending brings together people who have spent their careers in the industries this financing connects.
FRPortrait pending
Faraz Rouhani
ISO Secured Lending title: pending approvalProfessional background includes capital markets, commercial financing, business ownership, and financial technology.
External affiliation: Bellevue Capital Group
Additional leadership
Founders and executives
Profiles to be added after each name, title, biography, and portrait is verified and approved.
Advisors
Profiles to be added after verification and approval.
Investment committee
Profiles to be added after verification and approval.
Affiliations listed on this page describe each individual's external professional experience. They do not indicate that Bellevue Capital Group is a lender, guarantor, funding source, or contractual partner of ISO Secured Lending.
Speak directly with the people who review portfolios.
Insights & Education
Thinking clearly about residual portfolios.
Plain-language explanations of how residual portfolios work as financial assets.
This article is general education. It is not financial, legal, or tax advice, and it does not describe the terms of any financing.
Confidential Financing Inquiry
Let's Discuss the Value You've Built.
A short introduction is all we need to begin. A member of the capital team will follow up by your preferred method.
Thank you. Your inquiry is complete.
Demonstration state. This preview validated your entries but did not transmit or store them. Live submission requires the secure server-side lead handler listed in the launch checklist.
Confidential from the first conversation
We ask only for approximate figures here. A confidentiality agreement can be put in place before any portfolio detail is exchanged.
No documents at this stage
Residual reports and agreements are shared later through a secure channel, never through this form.
Direct contact
Phone: pending
Email: pending
Office: pending
All financing is subject to underwriting, eligibility, documentation, and final approval.
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Privacy Policy
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Information we collect
When you submit an inquiry we collect the contact and business details you provide: name, company, email, phone, company type, approximate portfolio figures, and your comments. We do not request Social Security numbers, bank credentials, or merchant-level personal information through this website.
How we use it
We use inquiry information to respond to you, evaluate whether a financing conversation is appropriate, and maintain records of our communications.
Sharing
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Retention and security
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Your choices
[Counsel to confirm applicable rights by jurisdiction and the contact method for requests.]
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Terms of Use
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Informational purpose
This website provides general information about ISO Secured Lending and ISO Secured Lending. Nothing here is an offer of credit, a commitment to lend, or financial, legal, or tax advice.
Educational tools
The Portfolio Explorer and Repayment Structure Explorer produce illustrations from figures you enter. Results are not quotes, valuations, or indications of approval.
Intellectual property, acceptable use, limitation of liability, governing law
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Financing Disclosures
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- All financing is subject to underwriting, eligibility, documentation, and final approval.
- Financing amounts, rates, fees, terms, and repayment structures vary by transaction and are stated only in executed loan documents.
- Not every product or structure described on this website is available to every borrower or in every jurisdiction.
- ISO Secured Lending provides commercial financing to businesses. It does not offer consumer loans.
- ISO Secured Lending does not provide investment advice and does not offer securities through this website.
Nature of our role
[To be confirmed with counsel: whether ISO Secured Lending acts as direct lender, arranger, or broker in each transaction type, plus applicable licensing and jurisdictional statements.]
Named individuals and affiliations
References to the professional affiliations of individuals describe their external experience. No third-party institution named on this website guarantees, funds, or endorses ISO Secured Lending financing unless expressly stated.
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Required for the site to work. Always on.
Analytics
Helps us understand how the site is used. Off until you allow it.
Marketing
Measures the effectiveness of our outreach. Off until you allow it.
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Accessibility Information
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ISO Secured Lending aims to conform to the Web Content Accessibility Guidelines (WCAG) 2.2 at Level AA. This site is built with semantic headings, labeled form controls, keyboard-operable tools, visible focus indicators, and reduced-motion support.
If you have difficulty using any part of this website, contact us at [contact method pending] and we will provide the information another way.
Internal · remove before launch
Founder decisions and launch checklist
Not part of the public site. Everything here needs an owner before go-live.
Decisions requiring founder approval
- Business model. Direct lender, arranger, or broker for each transaction type. This drives the disclosures and several phrases on the site.
- Licensing and jurisdictions. None are stated. Counsel to confirm what must appear.
- Leadership titles and biographies. Faraz Rouhani needs an approved ISO Secured Lending title, biography, and portrait. His public profile should be re-verified before publishing.
- Affiliate relationships. Confirm how Bellevue Capital Group may be named, and obtain any permissions.
- Product availability. Confirm each of the six transaction categories and each repayment structure is actually offered.
- Funding terms. Confirm the 60-month maximum, the interest-only and partial-payment options, and exactly how the overage reaches the borrower (who receives the residual first).
- Competitor claim. The site says many residual lenders stop at around 10 months. Confirm this can be supported.
- Contact details. Phone, email, and office address are placeholders.
- Explorer rules. Both tools avoid any borrowing-capacity estimate. Adding one requires approved underwriting rules.
- Hero photography. The home page opens with a live payment illustration that shows an example rate. Confirm the default rate or remove the rate control.
- Legal pages. All five are draft placeholders.
Integration and launch checklist
- Production build. Port this prototype to Next.js, TypeScript, and Tailwind with one route per page and reusable components.
- Lead handling. Server-side form endpoint with validation, rate limiting, spam protection, and no client-side secrets.
- CRM and notifications. Connect the endpoint to the chosen CRM and to lead alerts.
- Secure document portal. Future phase. Do not accept files through the inquiry form.
- SEO. Per-page titles and descriptions, Open Graph images, structured data, sitemap, robots.txt.
- Analytics. Consent-aware loading tied to the cookie preferences.
- Security headers. CSP, HSTS, frame and referrer policies at the host.
- Accessibility audit. WCAG 2.2 AA review with assistive technology.
- Insights publishing. Move the article data into a CMS or MDX collection.
- Performance. Core Web Vitals pass on production hosting, optimized images.