Lending-as-a-Service Consulting
Lending as a service: offer financing to your customers through a lending partner
We help platforms and fintechs add merchant cash advance, working capital, BNPL, or installment products through a Lending-as-a-Service partner, so you originate under your brand while the partner carries capital, licensing, and servicing.
Built for every buyer we serve
SaaS platforms, marketplaces, ISOs offering merchant funding, and fintechs adding a credit product.
Why this costs you money
These are the failure modes we see most often in Payments & Fintech Advisory.
Lending licenses and capital are out of reach for most platforms, but the demand from their customers is real.
Partners differ in product type, credit box, state coverage, and revenue share.
Integrating underwriting data from your platform is what makes these programs perform, and it is usually an afterthought.
Everything included, in writing
Scope is written down before work starts, and changed only in writing. Nothing is added or dropped without a written change order.
- 01Product fit: which financing product matches your customer base and data
- 02Partner evaluation and introductions
- 03Revenue share and program term review
- 04Data integration plan: what your platform shares with the partner for underwriting
- 05Launch plan and customer communication
All 5 are written into the scope document before work starts. What you actually need is settled on the call, after the Assess read.
From first call to live
3 phases, each ending in something written. Exact dates are set at the Assess step, once the scope is known.
- 01Phase 01
Week 1 to 2
Product fit and data review
- 02Phase 02
Week 3 to 6
Partner selection and terms
- 03Phase 03
Week 7+
Integration and launch
What makes this different
These are specific to Payments & Fintech Advisory, and they are in the scope document rather than only on this page.
The recommendation follows the numbers
Referral, ISO, PayFac, and BaaS modelled side by side on your own volume and merchant mix, before any partner is named.
Terms read before you sign
Revenue share, interchange, reserves, liability, termination, and data ownership reviewed line by line, not summarised.
A shortlist, not one introduction
Providers matched on vertical acceptance, risk appetite, and API quality, then cut down after technical review and references.
Nothing paid by the partner
We take no fee from anyone we recommend, so the shortlist is a recommendation rather than a sales pipeline.
What clients say
We publish no client names. These describe the shape of real engagements in Payments & Fintech Advisory.
See the engagementsWe had been quoted eighteen months and seven figures to register as a PayFac. Midcore mapped the alternative in two weeks and told us plainly that our volume did not justify it yet. That conversation saved us a year.
Sponsor bank diligence had stalled us twice. Midcore rebuilt the package (policies, flow of funds, program narrative) and we were approved on the next pass.
Our agents were spending half their week on paperwork. The desk took the boarding queue, the disputes, and the residual reconciliation. Same headcount on the sales side, materially more selling.
- Written scopeAgreed before work starts, changed only in writing.
- Reporting from your dataEvery number opens to a record you can check.
- Scoped, logged accessRevocable by you at any time.
What the work looks like
Anonymised engagements from across the six core services.
All case studiesA platform earning a thin referral share on customer processing wanted the margin that sat with its processor, without the registration, capital, and compliance headcount a full PayFac requires.
Field-services SaaS platform A stalled sponsor bank application cleared on the next passTwo diligence cycles had ended without a decision. The product was fine; the package describing it was not.
Embedded banking platform An ISO gave its agents their selling week backAgents were spending roughly half their time on statement analysis, applications, and chasing processors. The fix was not more headcount on the sales side.
Independent sales organizationWritten by people who have done the work
The arguments we would make in the room.
All insightsAn ISO agent agreement's vesting clause decides who keeps the residuals on paper. State law can decide it differently once termination actually happens.
9 min read How to Become a Payment Processor, RealisticallyBecoming a processor connected to Visa requires bank-level membership. Almost everyone asking this actually wants one of four other paths.
9 min read How to Start a Merchant Services or ISO BusinessStarting an ISO means registering through an acquirer, not Visa, and budgeting real fees, fines, and PCI DSS obligations before your first merchant boards.
9 min readStraight answers
The questions that come up on almost every Lending-as-a-Service Consulting call, answered before you have to ask them.
Do we carry credit risk?
Which products launch fastest?
How does an engagement start?
What does Lending-as-a-Service Consulting cost?
Can we stop after the Assess?
How long does Lending-as-a-Service Consulting take?
Who actually does the work?
Still not sure Lending-as-a-Service Consulting is what you need?
That is what the Assess is for. Book a 30-minute call and we will tell you which service fits, whether you need one at all, and what the first engagement would cost. We will also tell you when the answer is no.
Ready to talk about Lending-as-a-Service Consulting?
Tell us what is happening. We will tell you whether this service fits, and whether you need it at all.
- 01Within 1 business dayA US-based practice lead replies and books a 30 minute call.
- 02On the callWe map the problem, the volume, the partners, and the constraints.
- 03After the callYou get a written read of one to three pages, yours to keep.
- Handled under NDA
- Written, not a slide deck
- No obligation to continue