--- title: "CRM for ISOs and business funding brokers: from the first text to the funded deal · TalaLevel" description: "TalaLevel runs a funding floor's whole process: leads answered by text, bank statements collected and read like an underwriter would, the file flagged and given a lane, the application filled and signed, offers tracked, commission and the renewal day kept. Set up for you by a TalaLevel representative." url: https://talalevel.com/for/funding-brokers/ --- Funding brokers # The whole funding process, on one lead. From the merchant's first reply to the renewal call: TalaLevel answers, collects the bank statements, reads every month, flags what a funder would stop on, fills the application and keeps the deal. Built on our own funding floor, and set up for you. [Start your 7-day trial](https://app.talalevel.com/signup?plan=pro&interval=month) [See pricing](https://talalevel.com/pricing/) No seat minimum · No demo call · Cancel anytime The whole process ## Ten stages, from first reply to renewal. This is how a file moves on our own funding floor. Each step says who does it. Stages marked “Set up for you” are configured in your workspace by a TalaLevel representative: your statement reader, your lender sheet, your application. You don't build anything. Runs today *works the day you sign up* Set up for you *a TalaLevel representative sets it up in your workspace* 1. The merchant #### Replies, calls or fills in a form A reply to your text batch, a call back, your website form, a list you import, or another app through the API. 2. TalaLevel #### Finds their lead A text or a call is matched to the lead by its number, so the reply lands where the rep expects it. 3. TalaLevel #### Cleans the list before a text is spent Opted-out numbers, landlines and numbers that can't take a text are dropped from a batch before it sends. Checked here - Opt-outs, by the number that said stop - Landlines and numbers that can't take a text - Quiet hours for batches 1. TalaLevel #### Files the reply and tells the floor The text lands on the lead, and the reps' phones get a push. 2. TalaLevel #### Reads it and sets the status Interested, not interested or call later, from what the merchant actually wrote. 3. Tala #### Answers, if you switched her on Tala replies in your words, from your own numbers, and keeps the conversation going until a person takes it. Checked here - Quiet hours in the merchant's time zone - Your numbers' carrier registration - The day's carrier limit on each number 1. Tala #### Asks what a funder asks How long in business, roughly what comes in a month, what the money is for, and whether an advance is open now. 2. Tala #### Asks for the statements Once it is worth it, she asks for the last four months of business bank statements, by text or by email. 3. Joey #### Or Joey asks on the call If Joey, the AI caller, reaches the owner, he asks the same questions and has the statements email sent while the call is still on. 4. Your rep #### Takes over when it matters A default, a settlement, an angry reply or a lawyer hands the lead to a person at once, with a push. Checked here - Hand-over words: default, settlement, legal, angry - One question at a time, never a form by text - Words carriers block, kept out of every text 1. The merchant #### Sends what they have A PDF by email, photos by text, or an upload. Some send one month, some send six. 2. TalaLevel #### Sorts and names every file Statement, ID, voided check, contract or tax return; a statement is renamed by bank, account and month. 3. TalaLevel #### Knows what is still missing Months are counted account by account, so a second account never hides a gap in the first. 4. Tala #### Asks only for those “Thanks, got June to August. Just need September.” Never the whole list again. Checked here - The same file sent twice - Months missing, per account - Gone quiet: the lead moves aside until they write back 1. TalaLevel #### Checks each statement is the bank's own An earlier version hidden in the file, digits in two fonts, an amount off its line, a statement dated before its month ended. 2. TalaLevel #### Reads every month Deposits and who paid them, the ending and average daily balance, negative days, returned items and overdraft fees. 3. TalaLevel #### Takes out what isn't revenue Transfers between accounts, owner money, reversals and advances come out; a deposit bigger than a usual month is asked about, not counted. 4. TalaLevel #### Finds the open advances Each funder's pull, how much and how often, and what all of them take of real revenue. Checked here - Edited statements: the review stops - Statements that don't add up or don't follow on - Large deposits that may not be revenue 1. TalaLevel #### Names the lane The highest rung the file reaches, from conventional down to not fundable now. 2. TalaLevel #### Says send today, fix first or not now Missing ID or contracts never hold a file back. A missing month or an unclear owner does. 3. TalaLevel #### Lists the questions to ask Only what a lender would stop on, most important first. Never something the application asks anyway. 4. Your rep #### Gets a push when it is ready A strong file sends “Ready to submit” to the floor's phones. Checked here - Settlement or relief payments - A funder's pull returned unpaid - Too many negative days - Advances taking too much of revenue - What they told you against what the file shows 1. TalaLevel #### Drafts it on first open Legal name, federal ID, entity, start date, address and owner come from the lead, its emails and its statements. 2. TalaLevel #### Checks the state's business registry Legal name, entity type and formation date compared with what the file says. 3. TalaLevel #### Holds it against the review Annual sales far from the statements, an open advance marked “none”: shown before it goes, never silently changed. 4. Your rep #### Types the private part and sends The owner's SSN and date of birth are typed at send and never stored. One press fills, signs and files it. Checked here - Names and entity against the state - Revenue against the statements - Required boxes before send 1. Your rep #### Sends the package The application and the statements together, to a funder's portal or a partner you use. 2. TalaLevel #### Collects the answers Each funder's yes with amount, factor, payments and term, or their no with the reason, side by side. 3. Your rep #### Walks the merchant through the offers Home shows every offer still waiting on the merchant. Checked here - A decline closes only that funder - An offer nobody presented stays on Home 1. Your rep #### Marks the offer the merchant took Funder, amount, payments and rate, with the rate you sold at. 2. Your rep #### Records the funding The funded day, daily or weekly payments, and the signed contract filed on the lead. 3. TalaLevel #### Works out the commission Each rep's share, in the month the deal was won, owed until it is marked paid. Checked here - Never sold below the funder's rate - Owed against paid, per rep, per month 1. TalaLevel #### Keeps the renewal day Halfway through the payments from the funded day, counted in weekdays for daily payments. The rep can move it. 2. Tala #### Reaches out on the day Tala texts the merchant on her own to open the renewal. From your numbers, through the same checks as every text: opt-outs and quiet hours. Off until you switch it on. 3. TalaLevel #### Tells the rep A push and a row on Home, with Tala's thread, until someone marks it done. 4. Your rep #### Takes it from the reply When the merchant answers, the rep picks up with the deal and the file on screen. Checked here - Off until you switch it on - Opt-outs and quiet hours - Stays on Home until done Flags ## What gets flagged, before a funder sees it. Each flag is found on the statements themselves, with the lines it came from. A flag is a question for your rep, never a message to the merchant. - ### Edited statement An earlier version inside the PDF, mixed fonts in one amount, or a statement made before its month ended. The review stops and a person looks. - ### Settlement or relief Payments to a debt settlement or relief company. Most funders stop here. - ### A funder's pull returned An advance payment bounced in the last three statements. A sign the merchant is behind. - ### Negative days and NSFs Days below zero and returned items over the last three months, counted day by day. - ### Holdback too high What open advances already take of real revenue, so the file goes to consolidation instead. - ### A deposit bigger than a month Counted as revenue only once someone says it is. A loan or an equipment sale is not. - ### Someone else's account A personal account or another company's, kept out of every figure. - ### Part months This month so far, or a statement cut short, never counted as a whole month. - ### Told against the file Revenue, time in business, open advances and legal name: what they said against what the documents show. - ### Collectors and levies Possible debt collectors, levies and garnishments, picked out and looked up before being called one. Where the file can land 1. 1 **Conventional** Bank-style terms for strong, established businesses. 2. 2 **Prime advance** The best advance terms: clean statements, little or nothing open. 3. 3 **Property-backed** When the owner said they own property with equity. 4. 4 **Standard advance** A healthy file with a normal amount already open. 5. 5 **Consolidation** Open advances take too much; the offer pays them off. 6. 6 **High-risk advance** Fundable, with the merchant told what to expect. 7. 7 **Not fundable now** A person decides what the merchant hears, and when to try again. Documents ## Every document, asked for once. Tala and your reps see the same list. When a file comes in, she says what arrived and asks only for what is still missing. Statements on file - June *Read* - July *Read* - August *Read* - September *Missing* Tala Thanks, got June to August. Just need September when you get a chance. - ### Bank statements The last four full months of the business account; this month so far after the 15th. - ### Every business account A second account is counted on its own, never mixed into the first. - ### Payoff letters One for each open advance, showing what is left. Asked first when there is one. - ### Photo ID Asked after an offer, never a reason to hold the file. - ### Voided check For the funder's payments; filed on the lead when it comes. - ### Advance contracts For each open position, when the funder asks. - ### Tax returns Only for lanes that need them, like conventional. - ### The signed application Drafted, checked and signed from the file. On screen ## What your rep sees, on the lead. Drawn from the app as it is. The merchant and every figure are an invented example. Review **Rivera Auto Body LLC** Statements received · 4 months · 1 account Activity Review Application Deal Ready to send Standard advance Current statements, steady revenue across four months, one advance open and well within limits. Real revenue a month **$84,200** *June to September · one big deposit held out* Advances take **11%** *1 open advance · $412 a weekday* Negative days, last 3 months **2** *No returned items* Asked for **71%** *$60,000 against a month's revenue* Lanes Conventional *Maybe* *Credit score not said yet* Prime advance *Not reached* *An advance is open* Standard advance *Reached* *Clean and current* Ask them What was the $38,000 deposit on September 12? Is the Harbor Capital advance still being paid? Missing Last four whole months Payoff letter, Harbor Capital Signed application 9:41 TalaLevel *now* **Ready to submit: Rivera Auto Body** Standard advance · send today Home · Up for renewal **Rivera Auto Body LLC** Funded $60,000 on May 4 · Harbor Capital · halfway through 120 payments What you get ## Part of it runs the day you sign up. The rest is set up for you. You don't configure the industry parts yourself. A TalaLevel representative sets them up in your workspace, around how your floor already works, and hands it over running. Runs today - Leads from imports, texts, calls, your website form and the API - Texting from your own numbers, with the carrier registration done with you - Tala answering, qualifying and following up, each switch off until you turn it on - The power dialer, recordings, transcripts and call notes - Joey, the AI caller, on Scale - Statuses that follow the conversation, hand-overs and pushes - Deals, commission per rep, contracts signed on a link, booking and payments Set up for you - The statement reader: sorting, naming and reading every month - Edited-statement checks and every flag above - Your lanes and your lender sheet, so the verdict matches your funders - Your application, filled from the file and signed in one press - Sending to your funders or partner, with their answers back on the lead - The renewal day, and Tala reaching out on it By plan ## Every plan runs the floor. Pick by how you sell. | | Dialer | Pro | Scale | | --- | --- | --- | --- | | Lines dialed at once | 1 | 3 | 10 | | Texts a seat a month | Not included | 2,000 | 6,000 | | Tala answers and follows up | Not included | Included | Included | | Joey, the AI caller | Not included | Not included | Included | | Coaching: listen, whisper, take over | Not included | Not included | Included | | Price a seat | $47 a month | $97 a month | $247 a month | Full prices are on the [pricing page](https://talalevel.com/pricing/) . See also [sales texting](https://talalevel.com/sales-texting/) , [Tala, the AI sales assistant](https://talalevel.com/ai-sales-assistant/) and [Joey, the AI caller](https://talalevel.com/ai-caller/) . Questions ## Questions from funding floors. Straight answers. ### Is TalaLevel a CRM for ISOs and MCA brokers? Yes. It was built on our own business funding floor, and it runs the whole process: leads answered by text, bank statements collected and read, the file flagged and given a lane, the application filled and signed, offers tracked, commission and the renewal day kept. ### Does TalaLevel read bank statements? Yes, set up for you. Each statement is checked for editing, then every month is read: deposits and who paid them, real revenue, average daily balance, negative days, returned items and the advances already open. A TalaLevel representative sets the reader up in your workspace. ### Does it catch edited or fake bank statements? It looks for the signs: an earlier version hidden inside the PDF, digits of one amount in two fonts, an amount off its line, or a statement made before its month ended. When it finds one, the review stops and a person decides. ### How does it work out real revenue? Deposits minus transfers between accounts, owner money, reversals and advances, averaged over whole months. A deposit bigger than a usual month is held out until someone says it is revenue. ### Does it find the merchant's open advances? Yes. Each funder's pull is found on the statements, with how much and how often, and the total is shown as a share of real revenue. A position that stopped is named with its last pull day. ### What does “Set up for you” mean? A TalaLevel representative configures those stages in your workspace for you: the statement reader, your lanes and lender sheet, your application form and where files go out. You don't build or configure anything yourself. ### Does Tala collect the statements by text? Yes. Tala asks for the last four months by text or email, says what arrived each time, and asks only for the months still missing, account by account. ### Will Tala promise the merchant funding? No. She never quotes a rate, a payment or an approval, and she never sees the verdict. A file that can't be funded goes straight to a person, and she says nothing to the merchant about it. ### Does it fill in the funding application? Yes, set up for you. The application is drafted from the lead, its emails and its statements, checked against the state's business registry and the review, and signed in one press. The owner's SSN and date of birth are typed at send and never stored. ### Can it send files to funders? Yes, set up for you. The application and statements go as one package to the funders you choose, or straight to a funding partner's system, and their offers and declines come back onto the lead. ### Does it track commission? Yes. Record the funding with the funder's rate and the rate you sold at, and each rep's share is worked out for the month, shown as owed until it is marked paid. ### Does it reach out for renewals on its own? Yes, set up for you. The renewal day is set halfway through the payments. On the day Tala texts the merchant to open the renewal, from your numbers and through opt-outs and quiet hours, and the rep gets a push and a row on Home. It is off until you switch it on. ### Does Tala text at night? Her replies to a merchant who writes in can go at any hour. Her own follow-ups keep to 7am to 10pm in the merchant's time zone, and batches keep to quiet hours. ### How much does it cost? Dialer is $47 a seat a month, Pro $97 and Scale $247, with a 7-day trial. Texting and Tala start on Pro; Joey, the AI caller, is on Scale. ## Your next lead texts back tonight. Be there. [Start your 7-day trial](https://app.talalevel.com/signup?plan=pro&interval=month) [Talk to Joey](https://talalevel.com/#talk)