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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.

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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 todayworks the day you sign upSet up for youa TalaLevel representative sets it up in your workspace
01 / 10

Lead in

Runs today

Merchants come in from wherever you find them, and each lands on a lead.

  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.

02 / 10

First answer

Runs today

The reply is read, the status set, and someone answers while the merchant still has the phone in hand.

  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.

03 / 10

Qualifying

Runs today

The questions a funder asks, asked before anyone spends a call on it.

  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.

04 / 10

Statements in

Set up for you

Files arrive any way the merchant sends them, and only the missing months are asked for again.

  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.

05 / 10

Read

Set up for you

Every month read the way an underwriter reads it, before anyone trusts a figure.

  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.

06 / 10

Flags and verdict

Set up for you

What a funder would stop on, said before the file goes anywhere.

  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.

07 / 10

Application

Set up for you

The application filled from the file, checked, and signed in one press.

  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.

08 / 10

Sent out

Set up for you

The package goes to the funders you pick, and the answers come back onto the lead.

  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.

09 / 10

Funded and paid

Runs today

The deal, the terms and the commission on the lead, not in a spreadsheet at month end.

  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.

10 / 10

Renewal

Set up for you

The merchant comes back up halfway through the payments, to the person who funded them.

  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.

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
  • JuneRead
  • JulyRead
  • AugustRead
  • SeptemberMissing
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 LLCStatements received · 4 months · 1 account
ActivityReviewApplicationDeal
Ready to sendStandard advance

Current statements, steady revenue across four months, one advance open and well within limits.

Real revenue a month$84,200June to September · one big deposit held out
Advances take11%1 open advance · $412 a weekday
Negative days, last 3 months2No returned items
Asked for71%$60,000 against a month's revenue
Lanes
ConventionalMaybeCredit score not said yet
Prime advanceNot reachedAn advance is open
Standard advanceReachedClean 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 nowReady 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.

DialerProScale
Lines dialed at once1310
Texts a seat a monthNot included2,0006,000
Tala answers and follows upNot includedIncludedIncluded
Joey, the AI callerNot includedNot includedIncluded
Coaching: listen, whisper, take overNot includedNot includedIncluded
Price a seat$47 a month$97 a month$247 a month

Full prices are on the pricing page. See also sales texting, Tala, the AI sales assistant and Joey, the 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.

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