White Label Ready
Maintain your brand authority. We act as your specialized funding arm, operating seamlessly in the background with non-circumvention protection.
Institutional Partners
Monetize Your
Decline Files.
The dedicated funding arm for ISOs, CPAs, and Consultants. Turn your "unfundable" clients into high-margin revenue.
Aggressive Splits
Earn significant commissions on every funded deal. We track everything transparently and pay out immediately upon funding.
High Approval Rates
We fund where banks fail. Startups, stated income, and low-revenue businesses are our specialty.
Partner with
Precision.
Stop sending your clients to generic brokers who shop their file to 50 lenders, wrecking their credit and ghosting you.
Partner with Stacking Capital. We treat your client's credit profile with surgical precision, ensuring long-term bankability and maximum funding.
Partnership Application
ISO / Affiliate
Existing partner?
Sign in to the partner portal
Built for Funding Professionals
If you have clients asking for capital but your current product stack can't serve them, you're leaving revenue on the table. Our partner program is designed for:
Independent Sales Organizations (ISOs)
MCA and equipment financing brokers whose declines become our approvals. Non-circumvention protection built in.
CPAs and Fractional CFOs
Your clients ask you for capital advice. Refer them to a dedicated funding arm without touching your books or liability.
Business Consultants
Strategy clients need capital to execute. Deliver a real funding outcome without becoming a funding broker yourself.
Commercial Lenders and Credit Unions
Deals that don't fit your box still deserve a home. Our capital stack approach captures revenue you would otherwise refer to competitors.
Partner Program FAQ
Answers to the most common questions from our partner network.
Who is the Stacking Capital partner program for?
The program is designed for Independent Sales Organizations (ISOs), merchant cash advance brokers, Certified Public Accountants (CPAs), business consultants, fractional CFOs, commercial lenders, and financial advisors who work with small businesses and frequently encounter clients that fall outside their own product scope.
What does "monetize your decline files" mean?
Decline files are the clients your primary lender or internal product stack could not approve - typically startups, low-revenue businesses, stated-income applicants, or deals that didn't fit standard underwriting boxes. Instead of losing those clients entirely, you refer them to Stacking Capital. We engineer a capital stack that actually funds, and you earn commission on the closed deal.
How does white-label work with Stacking Capital?
We operate as your specialized funding arm in the background. Your brand stays front and center with the client, and we handle the underwriting, strategy, and execution behind the scenes. Every partnership includes a non-circumvention agreement so your client relationships stay yours.
When do I get paid?
Commissions are paid on funding - the moment capital hits the client's account. Our partner portal shows real-time deal status, tracked commissions, and payout history. No hidden clawbacks, no delayed reconciliations.
What are the approval rates compared to traditional brokers?
Traditional brokers shop a file to dozens of lenders, shredding the client's credit in the process. Stacking Capital takes a surgical approach - we assess the full capital stack opportunity (0% APR business credit cards, SBA loans, business lines of credit, personal credit products) and match the client to the right sequence. This typically produces materially higher funded outcomes than a generic broker shop-around.
Is there a volume requirement to partner?
No minimum volume requirement to get started. Partners reporting $100K+ in monthly referral volume receive priority underwriting and elevated commission tiers.
I'm an existing partner - where do I sign in?
The partner portal is at network.stacking.capital. Existing partners can sign in there to see real-time deal status, commission tracking, and payout history.