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

Every full submission, priced within the hour.

Underwriters you can reach directly

Why Anthem

Why brokers send us the hard ones.

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.

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

Our underwriters underwrite with open minds

Funding guidelines

What we fund

Within the hourPricing on every full submission

2nd – 8thPosition, deep into the stack

$15K – $2MFunding range

All statesExcept North Dakota

Time in business: 12 months
Minimum FICO: 500+
Ownership: 50%+
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

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

A soft offer from Anthem is a commitment.

We don't change our position. We don't withdraw late in the game.

How to submit

From submission to funding

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

Submission review

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

Step 1 of 3

Offer issued

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

Step 2 of 3

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

Step 3 of 3

Ready to make Anthem your competitive edge?

Request an ISO agreement and send your first file today

Request an ISO agreement uw@anthemc.com

Guidelines How to submit uw@anthemc.com