MCA ISOs become term-loan ISOs the day they stop being paid only on advances. Until then, every conversation ends in a split of deposits, even when the merchant is buying a long-lived asset or wants a date when the debt is gone. That is not merchant service. That is residual protection.
On Loanable, term placement and MCA placement pay the same 50/50 of marketplace profit. You do not need a second ISO agreement with a term shop to send the file. One your unique partner link link, 150+ lenders, Monday ACH, no minimum. Loanable is not the lender on either product. Your job is to stop defaulting to the advance because it is the script your last shop laminated.
Questions that decide the product
What is the money for, and when does the need end? A truck with a quote is equipment or term, not a twelve-month split of card volume. Payroll this Friday with a deposit dip that will recover is working capital. A refinance of stacked advances into a single payment can be term if a lender will buy it, or another advance if they will not. Ask before you send the type parameter on the URL.
- Advance: speed, deposits, existing positions, shorter expected life
- Term: clearer payoff, more documents, slower than a clean MCA
- SBA: longest path, not an ISO same-week product
- Equipment: vendor paperwork, not operating cash in disguise
Do not bait-and-switch the merchant
If you sold speed and then quietly switched them into a six-month term conversation, say so. If you sold term and the only offers that come back are advances, say so. Marketplace matching can return a different product than the one you hoped for. Your credibility is the ability to explain the offer, not to pretend you controlled the credit box.
Timing you can say without lying
MCA and other working capital can fund as soon as 24 hours when statements are in and a lender is ready. Term takes longer. SBA takes much longer. Facilities that can reach $50M are not the typical ISO file and should not be used as a closer line on a $40,000 restaurant deal. Quote the clock that matches the product you are actually sending.
Put both products in your agents’ scripts with the same economics. If they earn the same 50/50 either way, they will ask better questions. If you still pay them only on MCA internally, that is your grid, not Loanable’s. The marketplace will still split profit the same way on the funded product.
How agents sabotage term without noticing
They collect three months of statements and no debt schedule, then are shocked term desks want more. They tell the merchant “same as an advance but cheaper” which is not a product explanation. They disappear for a week because term is slower than a working-capital file that can fund as soon as 24 hours. Train the clock and the package together or they will bounce every term conversation back to MCA.
Put a simple fork in your CRM: asset or long payoff versus deposit timing. The 50/50 split is the same, including on large facilities up to $50M, so the fork is for the merchant, not for your residual. Loanable is the marketplace. You still have to pick the conversation. Monday ACH still follows whatever actually funds.
Place the product the file supports. Partner with Loanable as an ISO and shop MCA and term through one partner link instead of protecting an advance-only contract.