For credit repair & funding company owners
Add funding to what you already sell, without becoming a lender.
Submit qualified clients through your approved funding desk process. Our fulfillment partners handle product matching, underwriting, closing, and funding support while you keep serving your clients under your brand.
Stay hands-off, or take on more of the process through optional training. Your call.
Be live and ready to process qualified clients in less than 72 hours after completed onboarding, or your implementation fee is refunded.*
*The 72-hour period begins after all required information, branding, access, agreements, and onboarding materials are received and approved. “Live and ready” means your company can submit its first qualified client through the approved process. This guarantee applies to operational readiness only and does not guarantee funding approval, revenue, profit, a specific funded amount, or a specific commission.
What Handoff Funding does
A backend fulfillment layer for credit repair, funding, and ISO teams.
Handoff Funding is a B2B backend funding solution for credit repair companies, 0% business-funding representatives, funding companies, and ISOs. Submit qualified clients through the approved process, and our fulfillment partners handle applicable product matching, underwriting support, closing, and funding coordination — starting as soon as onboarding is complete.
Handoff Funding is not a lender, not a consumer credit-repair service, and does not guarantee funding, income, licensing, or independent lender relationships.
Why funding representatives choose Handoff Funding
When 0% funding is not enough
Not every qualified business fits a 0% card strategy. Add additional funding pathways without building the entire backend yourself.
Stop losing bigger opportunities
Funding representatives lose larger opportunities when their current product is insufficient. Keep the client relationship while expanding the solutions you can offer, subject to the written agreement and approved workflow.
Differentiate beyond 0% funding
Everyone is selling 0% business funding. Differentiate by adding a broader fulfillment capability behind what you already sell.
You don't have to build lender relationships alone
Submit qualified clients through an established process while your team learns more over time if you choose.
Keep visibility into your clients
Use defined handoffs, documented attribution, and a clear submission trail for every client you submit.
How it works
Submit
Submit qualified client information through the approved intake process.
Match
The client is routed to an appropriate funding pathway based on product fit and eligibility.
Fulfill
Our approved fulfillment partners handle the applicable funding process according to the product and client requirements.
Track and reconcile
Follow the defined case stages, attribution records, and applicable commission information.
From our fulfillment team
“My Fulfillment Partner went above and beyond for their clients to help them get the best possible funding and products. While they are professionals at their craft, they're personable, endearing, and easy to get ahold of. Can't speak more highly of them!”
— Chris Johnson, Handoff Funding
This reflects fulfillment-team experience and process knowledge. It does not represent a Handoff Funding customer result, a specific commission outcome, or a guarantee of approval or funding.
The guarantee
We put our implementation fee behind the launch.
Be live and ready to process qualified clients in less than 72 hours after completed onboarding, or your implementation fee is refunded.
“Live and ready” means your company has completed the required onboarding steps, submitted the required information and branding, received access to the approved submission process, and can submit its first qualified client to the fulfillment team.
View Full Guarantee TermsPayback policy
A defined payback policy tied to eligible funded transactions.
Complete the required onboarding, training, and submission steps, then submit eligible clients through the approved qualification process.
If your first eligible commission does not recover your implementation fee, the verified shortfall may be credited or refunded according to the written payback policy.
This policy does not guarantee funding approval, revenue, profit, a specific funded amount, or a specific commission. Monthly continuity fees are separate and are not included in the implementation-fee payback calculation.
View Payback Policy TermsYour call, not ours
Stay hands-off, or take the wheel. Both are valid.
Submit qualified clients through the approved process while our fulfillment partners handle the backend.
Training is available when you want it. It is not required to keep submitting eligible clients through the fulfillment process.
Over time, you may choose to learn and operate more of the process yourself, subject to applicable requirements.
Your brand, not ours
Approved client-facing materials, status communications, and documents can operate under your business identity, subject to the applicable workflow and written agreement.
No territory, no franchise
Onboarding is a company profile, not a territory application. Keep your existing brand and existing clients — just add the fulfillment, subject to the written agreement.
Ongoing continuity
Support that stays connected after launch.
Handoff Crew keeps your funding desk connected to the approved process, training, case support, product updates, and operational assistance.
Continuity is a separate, ongoing fee — details are confirmed during onboarding.
Frequently asked questions
Is Handoff Funding a lender?
No. Handoff Funding is a backend fulfillment layer. Our approved fulfillment partners handle applicable product matching, underwriting support, closing, and funding coordination.
Do I need to become licensed to submit clients?
No. You submit qualified clients through the approved intake process; the fulfillment partners handle the applicable funding process. Training is available if you choose to take on more of the process yourself later, subject to applicable requirements.
Is training required?
No. Training is available when you want it. It is not required to keep submitting eligible clients through the fulfillment process.
What does the 72-hour guarantee cover?
It covers operational readiness — being live and able to submit your first qualified client through the approved process after completed onboarding. It does not guarantee funding approval, revenue, profit, a specific funded amount, or a specific commission. Full terms are linked below.
What does the payback policy cover?
It's a defined policy tied to your first eligible commission from a funded transaction, separate from the 72-hour onboarding guarantee. Full terms are linked below.
Do I keep my client relationship?
Yes, subject to the written agreement and approved workflow — you keep the client relationship while our fulfillment partners handle the backend funding process.
Book your onboarding call
Four quick questions, then we'll reach out to schedule.