For ISOs and brokers
Submit smarter. Decline less. Protect your reputation.
Run every applicant through Vyaso before submission. Know the adjusted revenue. See the stacking signal. Route the file to the funder whose box the real revenue actually fits, not the funder who'll decline and waste a week.
Key takeaways
- Pre-screen every merchant before submission. Know the adjusted-revenue figure before the funder does.
- Surface stacking and kiting on the first read. Protect your reputation by never sending a problem file.
- Match each applicant to the funder whose underwriting box the real revenue fits, not the gross deposits figure.
- Submit with the Vyaso analysis attached. Shorten the funder's decision cycle.
- Same engine your funders are evaluating internally. The same answer on both sides of the deal.
The cost of a blind submission.
Every blind submission costs cycle time and erodes the funder relationship. Submitting a stacked merchant once is forgivable; twice is a reputation problem. Every decline is a deal you could have routed elsewhere. ISOs that pre-screen with the same intelligence funders use internally close more deals, faster.
A new step in the ISO workflow.
Pre-screen
Run the file before you send it.
Upload the bank statements. Get the adjusted-revenue figure, the risk tier, and the flag list in 90 seconds. Catch the issues the funder will catch, before the submission.
Route
Match the file to the right funder.
Different funders fund different boxes. Some take higher-stacking risk for higher rates. Some require a clean file. Vyaso's adjusted revenue tells you which box this merchant actually fits, not which box the gross deposits suggest.
Submit
Submit with the analysis attached.
Include the Vyaso report with your submission packet. Funders review faster when they see a pre-screened file. Approved deals close in days, not weeks.
Routing on real revenue, not gross.
The routing move
Most ISOs route on gross deposits, the headline number on the bank statement. The problem: that number includes lender deposits, self-transfers, and circular flows. The funder strips it back during underwriting and the file lands outside their box.
Vyaso's adjusted-revenue figure is the same number the funder will arrive at. Routing on it before submission means the funder rarely surprises you, and your acceptance rate climbs because you stopped sending files into the wrong box.
Revenue analysis
The same view your funder sees, on your side of the deal first. ✓ verified
What you receive, per applicant.
Adjusted revenue
The number the funder will land on. Route accordingly.
Risk tier
Low / Medium / High / Critical. The file's underwriting category before submission.
Stacking signal
The lender-deposit count and pattern. Know what the funder will see before they see it.
Counterparty graph
Visual map of merchant relationships. Spot the related-party flows the merchant didn't mention.
Executive summary
Plain-language narrative, useful when you're educating a newer underwriting analyst or briefing a deal review meeting.
Submission-ready report
Export the analysis as PDF or CSV. Attach it to the submission email.
ISO-branded analysis reports
ISO-branded analysis reports and white-label dashboards are on the roadmap. Talk to us in the pilot conversation about timing and the design partner program.
ISO questions.
Run Vyaso on your portfolio.
Free 30-day pilot. Bring 50–100 files. We'll show you what the model would have flagged, what would have been approved, and how the adjusted revenue compares.
No commitment. No setup fee.