Strategic Funding Track

Welcome to the funding desk

A US business owner needs money to buy inventory, cover payroll, fix a truck, buy a building or pay off expensive debt. Your job is to help that owner reach the right funding product, quickly, honestly and with a clean file.

You will not decide who gets funded. You will not set prices. What you do decides something just as important: whether a good business reaches a funder with a complete, accurate, well organised file, or gets lost in missed calls, missing pages and sloppy notes.

Most offshore funding teams in this industry are hired as cheap document chasers. Narqix people are trained to do more. We read a bank statement like an analyst, we spot problems before a funder does, and we protect the merchant and the client from compliance risk. That is the standard this track teaches.

How business funding works, in simple words

Four parties appear in almost every deal.

Party	Who they are	What they want
Merchant	The business owner who needs money. Called a merchant because many products are based on card and bank sales.	Money that fits the need, a payment the business can carry, and a fast, respectful process.
Broker or ISO	The middle party. ISO means independent sales organization. The broker finds merchants, qualifies them, builds the file and sends it to matching funders. The broker is usually paid by the funder when a deal funds.	Clean files, good matches, funded deals, repeat clients and no complaints.
Funder or lender	The company that provides the money. A lender makes a loan. A funder in a cash advance buys a share of future sales instead of lending.	Businesses that will repay, honest documents, and a file that is easy to review.
Underwriter	The person or system at the funder that reviews the file and decides yes, no or "yes, if".	Accurate statements, real revenue, clear debts and no surprises.

The life of a deal

1. Lead. A business owner fills out a form, answers an ad, calls in or is contacted with proper consent.
2. Qualification. A Lead Qualifier asks a short set of questions to see which product fits.
3. Application. The merchant signs the application, which includes their permission for the company to share the file with funders.
4. Documents. The merchant sends bank statements, ID and other items. The Document Chaser makes sure every page arrives.
5. Scrub. A Processor reviews the statements, calculates true revenue, finds existing advances and checks for problems.
6. Submission. The file goes only to funders that match the merchant's profile, as approved by the desk lead.
7. Underwriting. The funder reviews the file and may ask for more items, called stips (stipulations).
8. Offer. If the funder says yes, it sends an offer. A closer or founder presents it. The funder delivers any required state disclosure.
9. Contract and funding. The merchant signs with the funder and the money is sent.
10. Renewal watch. The client is checked in on, and when they are eligible and it truly helps them, they may be offered additional funding.

Narqix's role

Narqix runs funding operations in two ways, and you may work on either:

• The Narqix funding desk. Narqix offers 18 funding products under its own brand, matched across a large national network of capital sources. On this desk you speak as Narqix. You never name a back-end partner, funder or lender to a merchant unless a founder has approved it.
• Client campaigns. Narqix also builds and staffs the back office for US funding brokers. On a client campaign you represent the client's brand, shown in scripts as (COMPANY NAME), and you follow the client's approved scripts, consent rules and funder process.

In both cases the same Narqix standard applies: honest identity, compliant contact, clean files and zero pressure tactics.

The 18 products at a glance

Business cash flow	Credit and debt	Real estate and big deals
Merchant Cash Advance	Term Loans	Fix and Flip
MCA Bailout	Lines of Credit	DSCR Loans
Working Capital Loan	0% Business Credit Cards	Residential Mortgages
Revenue Based Financing	SBA 7(a) Loan	Commercial Real Estate
Invoice Factoring	Credit Repair	Ground Up Construction
Purchase Order Factoring	Equipment Lending	Mergers & Acquisitions

When a merchant does not know what they need, the intake has a Not sure yet path. You ask about the need, time in business and revenue, and the team routes them to the right product. Full detail is in the Product Guide.

Roles on the desk

Role	Owns	Hands work to
Lead Qualifier	First contact, qualification, getting the application signed	Application Assistant and Document Chaser
Application Assistant and Document Chaser	Complete applications and complete document sets	Funding Processor
Funding Processor and File Analyst	Scrub, integrity checks, funder-ready package, stips	Desk lead or closer
Renewal and Follow-Up Rep	Nurture, missing-document cadences, declined and funded client follow-up	Lead Qualifier or Processor

Learning paths

Everyone starts here (about 3 hours)

1. This page
2. Glossary (keep it open during your first month)
3. Product Guide
4. Compliance for Funding Calls, Texts and Files
5. Qualification Standard and Call Flow
6. Fraud and Integrity Checks
7. Funding Shift SOP

Lead Qualifier path

1. Everyone path
2. Role Guide: Lead Qualifier
3. Script: Outbound Qualification Call
4. Script: Inbound Application Call
5. Script: Objection Handbook
6. Script: Decline Handling Call
7. Certification: three recorded role-play calls passed by your team lead

Application Assistant and Document Chaser path

1. Everyone path
2. Role Guide: Application Assistant and Document Chaser
3. Document Checklists by Product
4. Script: Document Request (call, email, text)
5. Script: Missing Document Follow-Up Sequence
6. Bank Statement Review (sections on integrity only)

Funding Processor and File Analyst path

1. Everyone path
2. Role Guide: Funding Processor and File Analyst
3. Document Checklists by Product
4. Bank Statement Review: The 20 Point Method (all of it, twice)
5. Fraud and Integrity Checks (again, in full)
6. Script: Submission Handoff Note
7. Certification: scrub three practice files with zero critical errors

Renewal and Follow-Up Rep path

1. Everyone path
2. Role Guide: Renewal and Follow-Up Rep
3. Script: Missing Document Follow-Up Sequence
4. Script: Renewal Call
5. Script: Decline Handling Call
6. Script: Objection Handbook

What is in this section

• Product Guide: all 18 products, who they fit, screening minimums, documents and red flags.
• Role Guides: four pages, one per role.
• Qualification Standard and Call Flow: the questions every qualifier asks and the order to ask them.
• Document Checklists by Product: exactly what to request and how to check it.
• Bank Statement Review: the Narqix 20 point scrub with a full worked example.
• Fraud and Integrity Checks: how to spot altered documents and what to do.
• Compliance: consent, calling hours, state notes, banned behaviors and data security.
• Funding Shift SOP: the shift routine with Bangladesh time windows.
• Glossary: 120+ funding terms in plain English.
• Scripts (in the Script Library): outbound, inbound, document requests, follow-up sequence, submission handoff, renewal, decline handling and the objection handbook.

Check yourself

1. Who decides whether a merchant gets funded: you, the broker or the funder?
2. Name the four parties in a funding deal.
3. What is a stip?
4. On the Narqix funding desk, may you tell a merchant which funder will review their file?
5. A merchant asks, "What rate will I get?" Which of the three rules applies?

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