Direct funder for ISOs and brokers

We price the file others pass on.

Anthem Capital funds 2nd through 8th position merchant cash advances from $15K to $2M. Every full submission is priced within the hour by underwriters you can reach directly.

See funding guidelines
Within the hourPricing on every full submission
2nd – 8thPosition, deep into the stack
$15K – $2MFunding range
All statesExcept North Dakota

Why Anthem

Built for the files that don't fit the mold.

Brokers send us the deals other funders decline or slow-walk. We give them a straight answer, fast, and we stand behind it.

Open-minded UW

Our specialty is the file that doesn't fit the mold. Where others apply rigid policy, we apply expertise. If there is a deal to be structured, we will find it.

Reliability

A soft offer from Anthem carries the weight of a commitment. We do not change our position, we do not withdraw late in the process, and we do not compromise your deal.

Speed

Every file submitted to Anthem is priced within the hour. No delays, no unnecessary back and forth, no bottlenecks.

Large files

While most funders pull back at scale, Anthem deploys capital where others hesitate. Large dollar amounts are our preference, not the exception.

Direct UW access

You talk to the underwriter on your file at every stage, from first review through funding.

Low kill rate

Deals that reach bank verification rarely fall out.

Funding guidelines

What we fund

All approvals are subject to final underwriting review. Additional documents may be requested.

Time in business
12 months
Minimum FICO
500+
Ownership
51%+
Monthly deposits
$75K+
Funding range
$15K – $2M
Estimated terms
2 – 7 months
Negative days / NSFs
Max 5 per month
States
All except ND
Positions
2nd – 8th
Minimum funding
$15K
Maximum funding
$2M
Prior defaults
AcceptedWith sufficient payment history after the default.
Restricted industries
  • Cannabis
  • Solar
  • Check cashing
  • Auto sales

How to submit

From submission to funding

Send a full package to uw@anthemc.com. Here is what happens next.

  1. 01

    Submission review

    • File reviewed by our UW team within the hour
    • Additional docs may be requested
    • Direct UW access throughout
  2. 02

    Offer issued

    • Terms sent directly to you, with factor, amount and term clearly stated
    • You confirm before we proceed
  3. 03

    Contract and funding

    • Contracts go directly to the merchant
    • UW calls the merchant for bank verification
    • Funded email with a full breakdown sent to you
Only full packages will be underwritten.Signed application plus 3 most recent bank statements (4 for CA and NY).

Contract request

Required docs

  • Driver's license
  • Voided check
  • Merchant email address
  • Merchant phone number
  • UW-requested stipulations

Request format

DBA / Amount / Factor / Est. term

Funding

After signed documents are received, UW calls the merchant for bank verification and completes the funding call. Additional stips may be requested.

Funded email includes

  • Signed contracts
  • Funded amount

Renewals

You are notified directly when your merchant becomes eligible. Early renewal requests are accepted at UW discretion.

Contact UW to inquire

uw@anthemc.com

Ready to make Anthem your competitive edge?

Request an ISO agreement and send your first file today. Our underwriters are reachable at every stage of your deal.

Request an ISO agreement
uw@anthemc.com