Send us the service-business files everyone else sizes wrong.
Routebook Capital is a direct funding source for route-based service businesses. If you broker merchant cash advances or SBA, we are the desk you send cleaning, pest, lawn, pool and HVAC companies to — including the seasonal files with a soft winter that your other funders decline off one bad statement. 10–15% on funded working capital, paid within 2 business days.
What the program pays.
Partner program — terms
- Commission
- 10% – 15% on funded working capital, paid on funding
- LOC, factoring
- Commission disclosed per file at offer
- Term loan and SBA
- Fee schedule disclosed on the term sheet
- Payout
- Within 2 business days of the merchant funding
- File minimum
- None
- Exclusivity
- None
- Submission
- Partner portal
- Offer turnaround
- About 4 business hours on a complete submission, weekdays
- Decline turnaround
- Same day, with the actual reason — not “credit”
- Renewals
- Commission paid on renewals for 24 months on files you originated
- What we need
- Signed application + 3 months of business bank statements (4 if the merchant is seasonal)
What we say yes to that your other funders say no to
- Seasonal lawn, pool, irrigation and snow files with a soft winter statement
- Pest and cleaning companies with a light last month and a strong recurring book
- Route acquisitions — we underwrite the customer list as the asset
- Commercial and HOA receivables on net-30/60 — factored, not declined
- Files with three or fewer NSFs in 90 days
- Owners with an open position, where a consolidation or re-term is the right structure
What we won’t do
We won’t stack you. If a merchant you sent us comes back directly, the file stays yours for 24 months and the renewal commission is yours.
We won’t shop your merchant to a panel behind your back on products we fund in-house.
We won’t run outbound marketing to your merchant list. Routebook does not run automated email sequences to merchants at all.
How submission works
- Send the signed application and three months of statements. Four months if the merchant is seasonal — and in this niche, assume they are. Upload it through your partner portal.
- Our underwriting desk reads it. You get an offer or a real decline reason the same day — about 4 business hours on a complete file.
- The merchant signs two pages. Funding in 24 hours. A clean file signed before 11:00 AM ET generally funds the same day.
- You’re paid within two business days of funding. Renewal commission runs 24 months on files you originated.
Attribution. Every partner-sourced link carries that partner’s own EF-XXXXXX referral code. The portal issues the code and the site templates it into the link, so a file submitted through your link is credited to you automatically. Never send a funnel link without your code on it.
Partner program questions.
What commission does Routebook pay an ISO?
10% to 15% on funded working capital, paid within 2 business days of the merchant funding. Commission on lines of credit and factoring is disclosed per file at offer. Term loan and SBA fee schedules are disclosed on the term sheet.
Is there a file minimum or an exclusivity requirement?
No to both. There is no monthly file minimum and no exclusivity. Send one file a quarter or forty a month.
How long do I keep a merchant I originated?
24 months. If a merchant you sent us comes back directly, the file stays yours and the renewal commission is yours for 24 months from the original funding.
What service-business files will you take that others decline?
Seasonal lawn, pool, irrigation and snow files with a soft winter; pest and cleaning companies whose last statement is light but whose recurring book is strong; files with three or fewer NSFs in 90 days; owners with an open position where a consolidation or re-term is the right structure; and route acquisitions, where most funders cannot underwrite a customer list as the asset.
How fast is a decision on a submitted file?
About 4 business hours on a complete submission during weekdays. Declines come back the same day with the actual reason, not “credit.”
What do you need from me to submit?
A signed application and the merchant’s 3 most recent months of business bank statements — 4 months if the merchant is seasonal. Submit through the partner portal.
Become a partner.
No file minimum, no exclusivity, same-day decline reasons, and 10–15% on funded working capital paid within two business days.
Already a partner? Submit a file through your portal link.