Writing a submission email lenders read first

An ISO desk at a busy funder receives hundreds of submissions a day. The first person to touch yours is deciding one thing: does this go to an underwriter now, later, or not at all? A clear subject line and a summary block at the top of the email answer that question without opening a single attachment.

Use the format the lender asks for, exactly. If it has none, a common pattern is the business name, the amount and your shop's name:

Rosa's Kitchen LLC - Ask $40,000 - Your ISO Name
Rosa's Kitchen LLC - Ask $40,000 - 2nd position - Your ISO Name

Avoid "URGENT", exclamation marks and vague subjects like "New deal". They make the email harder to find later, and they do not move it up the queue.

Put the numbers the lender screens on at the top, in the same order every time. A template like this works for most MCA funders:

Then a short sentence or two of context if the deal needs it, for example why the NSFs happened. End with your name, direct phone and email. That is the whole email.

• Signed application. Every page, signed and dated.
• Bank statements. Usually the last three to six months, all pages, as the bank produced them. Never re-typed or edited.
• Month-to-date activity for the current month, when the lender asks for it.
• Owner ID and a voided check or bank letter.
• Processing statements for card-heavy merchants, and payoff letters if the deal consolidates existing positions.

Name files so a person can tell what they are: RosasKitchen_Statement_2026-08.pdf, not scan0012.pdf. Keep the total under the lender's size limit (25 MB is common); if the files are larger, compress the PDFs rather than splitting the package across emails.

• Submission packageA submission package is the email or upload an ISO sends a funder: the application, bank statements, MTD, ID and voided check, with a clear subject line and summary.
• StipsStips (stipulations) are the documents or conditions a funder requires before or after approval: bank statements, ID, a voided check, payoff letters and so on.
• MTD statementAn MTD (month-to-date) statement shows a merchant's bank activity from the start of the current month to today, so funders see what happened after the last full statement.

• Numbers in the email that do not match the statements.
• Missing pages, or a statement month skipped without explanation.
• Positions left out of the summary that the underwriter finds in the bank activity.
• A deal sent again a week later with nothing new, as if it were a fresh file.
• Chasing for an answer an hour after submitting.
• Ten emails for one deal, each with one attachment.

The submission builder in Ferrylend writes one email per lender from a template in Settings → Email templates, fills merge tags such as the business name and amount, follows each lender's subject format, and lists only received documents as attachments with the total size shown. Send it with Open in email or Copy, then Mark sent so the submission is recorded. Sending from a connected Gmail or Outlook mailbox is Coming soon. See submissions to lenders and Submit a deal to lenders.