Use case
Full guideISO pre-screening
ISO pre-screening with Vyaso runs every applicant through the same analysis the funder will do internally — before the submission goes out, so the deal lands in the right funder's box and the ISO never sends a stacked merchant.
For: ISOs, brokers, sales managers
Key takeaways
- Catch the issues the funder will catch — before submission.
- Route the applicant to the funder whose box the real revenue actually fits.
- Submit with the Vyaso analysis attached to shorten the funder's decision cycle.
- Protect the ISO's reputation across funder relationships.
- Same engine, both sides of the deal.
Where Vyaso fits in the ISO workflow
The ISO workflow runs lead intake, application collection, bank-statement gathering, submission to one or more funders, and follow-up. Vyaso operates in the bank-statement step, before submission — turning bank-statement review from a downstream funder activity into an upstream ISO pre-screening activity.
The ISO sees the analysis the funder will eventually see. The ISO knows which funder's box the file fits before sending. The ISO can decline the file (saving everyone's time) or include the analysis in the submission packet (shortening the funder's cycle).
How it works in practice
Step 1. The merchant submits an application and bank statements to the ISO.
Step 2. The ISO uploads the statements to Vyaso. About 90 seconds later, the ISO has the same risk score, adjusted-revenue figure, and ranked flags the funder would generate.
Step 3. The ISO reads the analysis. If the file is clean and the adjusted revenue fits a known funder's box, the ISO submits to that funder with the analysis attached. If the file shows stacking or kiting, the ISO either passes or routes to a funder that takes that risk.
Step 4. The funder reviews the submission packet including the Vyaso analysis. The funder's decision cycle compresses because the bank-statement work is largely done.
Routing on real revenue, not gross
Most ISOs route on gross deposits — the headline number on the bank statement. Funders strip that number back during underwriting and the file lands outside their box. Routing on Vyaso's adjusted-revenue figure means the ISO and the funder are looking at the same number from the start.
Acceptance rates rise when the routing matches the funder's actual box. Cycle time drops because surprise declines stop happening.
What changes about the ISO-funder relationship
ISOs that pre-screen develop reputations for clean submissions. Funders prioritize their files. The relationship strengthens because each side can trust the other's pre-work. Funders who see a Vyaso analysis attached to a submission know the ISO has done their part.