High risk is the whole business
Stacks, low scores, NSFs, prior defaults. We underwrite cash flow, not credit reports, so a “no” elsewhere is often a “yes” here.
Empowering MCA brokers
Fund the files other shops decline.
Lock Box Capital is a direct merchant cash advance funder built for high-risk paper: heavy stacks, thin credit, prior defaults. Send us your hardest files. We price them fast and pay you on time.
deal-desk / live viewt+00:00
File LBX-2417Trucking · 3rd pos · $85K
Submission receivedauto
Bank data parsed4 mo
Underwriter reviewdesk
Offer to partneremail + sms
Sample file
15th
Max position we’ll fund
Same day
Funding on complete files
Up to 10 pts
Commission on eligible deals
3 payments
Cleared before your commission pays out
Why partners send us their hardest paper
Built for the deals that don’t fit anywhere else.
Speed that saves deals
Complete files can decide and fund the same day. Offers land in your inbox and phone, ready to present while the merchant is still warm.
Your merchant stays yours
Written non-circumvention in every partner agreement. We never market to your merchants or go around you on renewals.
Pricing you can read
Factor, holdback, term and your points on one line. No hidden fees stacked on the merchant after you quote them.
Renewals pay you again
When your merchant renews, you’re paid again on the same terms. Your book keeps earning.
A desk, not a queue
A named underwriter and partner manager on every file. Text, call or email; you’ll get a person who knows the deal.
How it works
Submission to funded in four moves.
01
Submit
Signed application plus the last 4 months of business bank statements. Upload here or email the desk.
02
Underwrite
We parse the statements, map existing positions and price the file, usually within hours.
03
Present
You get the offer with your points built in. Need a different structure? Ask the desk to rework it.
04
Fund & get paid
Contracts, a quick verification call, then same-day wire. Your commission is paid once the merchant clears 3 payments.
Have a file sitting in your pipeline?
Run it past our desk. If it’s fundable, you’ll know today.