SENIOR LOAN PROCESSOR — Business Funding / MCA (Full Cycle)

Read This Entire Job Post Before Applying
We're a U.S.-based business funding company that places merchants with banks, MCA lenders, SBA partners, equipment financiers, and revenue-based lenders. We close real deals every week. We don't need someone to "learn the industry" — we need someone who already lives in it.
If you've never personally pulled bank statements apart, calculated NSFs and average daily balances, stipped a file, submitted to Kapitus, OnDeck, Credibly, Idea Financial, Fundbox, Forward Financing, Headway, Lendini, or similar — this role is not for you. Please do not apply.

What You'll Actually Do (Daily)

Pre-underwrite every incoming deal: pull MCAs from bank statements, calculate position counts, true revenue, holdback capacity, debt service, NSFs, negative days, and stacking history
Build clean submission packages (app + 3-6 months bank statements + stips) and submit to the right lenders the first time
Negotiate offers — push back on lenders, get factor rates down, extend terms, raise approval amounts, fight for better commission splits
Manage the deal pipeline in our CRM from submission ? approval ? contract ? funding
Communicate directly with merchants for stips, signatures, voided checks, landlord verifications, ownership docs
Handle declines intelligently — reposition the file, find a lender that fits, don't just give up
Run renewals, refis, and stacked positions where appropriate


Required (Non-Negotiable)

Minimum 2 years processing/underwriting MCA, term loans, LOCs, or revenue-based financing for a U.S. broker shop, ISO, or direct lender
Working relationships (or recent submission experience) with at least 8 MCA lenders by name
Can read a 3-month bank statement spread and tell me the true monthly revenue, NSFs, daily balance, and how many positions are stacked — in under 10 minutes
Fluent written and spoken English (we will test this on the call)
Reliable high-speed internet, backup power, a quiet workspace, and a working webcam
Can work U.S. CST hours

Strongly Preferred/ Not Required

Experience with iLending, Mantis, OnyxIQ, ZohoCRM, or similar broker/ISO platforms
Prior experience at a U.S. ISO or funder shop (please name them in your application)
Underwriting credentials, finance/accounting background, or formal training


Do Not Apply If

You've only done "lead gen" or "appointment setting" and want to call yourself a processor
You need someone to walk you through what a factor rate, holdback, or specified percentage is
You ghost, disappear, or go silent for days at a time
You're juggling 3 other clients and this will be your side gig
You've never actually submitted a deal to a real lender portal
You inflate your resume — we verify everything, including calling former employers


Compensation Structure
Base Salary (paid weekly or bi-weekly via Wise):

$640 - $1000 USD / month base hourly rate/ depending on experience, region, and references
30-day paid trial period at the lower end of the band — full base kicks in after passing
Reviewed every 90 days based on performance

Performance Bonuses:

3% per funded deal you fully processed (submission to funding)
+$150 bonus on any deal funded over $100K
+5% of net commission on any deal where you found the lender / negotiated terms that beat the initial offer by 10%+
Monthly volume bonus: $300 if you process 15+ funded deals in a calendar month, $750 if you process 25+

Other:

10 paid days off after 90 days
Paid U.S. holidays after 6 months
Annual performance bonus tied to total funded volume
Long-term: opportunity to grow into a Head of Underwriting / Ops role as we scale

Top performers in this role consistently clear $3,500+ in incentive/commissions only plus the base hourly rate. If that doesn't excite you, you're not the person we're looking for.

How to Apply (Follow Exactly — We Auto-Reject Applications That Don't)

1. Subject line - Pineapple Loan Processor
(Yes, "Pineapple." If you skip this word, your application is deleted unread. This is the first filter.)
2. In the body of the application, Create a voice recording and answer these in order:

How many years have you processed MCA / business loan files for U.S. shops? Which companies?

Name 8 MCA or business lenders you've personally submitted deals to in the last 12 months
What's the highest-deal-volume month you've ever personally processed? (# of funded deals + total $ funded)

A merchant has $45K monthly revenue, 6 NSFs in the last 3 months, 2 open positions totaling $850/day in payments, and a 580 FICO. Which 3 lenders do you submit to first, and why?

What's your expected monthly base salary in USD?

Confirm you can work 8 AM – 5 PM CST consistently

3. Attach:
A 60-90 second unedited video (Loom, Google Drive, or YouTube unlisted) introducing yourself, naming the last 3 companies you processed for, and walking us through the toughest deal you ever got funded.

(If you attach a pdf resume, it will not be looked at and you will not be considered for the position.)

4. Include three professional references with phone numbers and emails — preferably former managers at U.S. shops. We call all of them.

Applications without the code word, without the video, or with vague answers will not be reviewed. We're hiring one person. Make it obvious it should be you.