Funding Specialist

Idea Financial; Fort Lauderdale (FL); On-site; USD 90,000 - 130,000; Full time

Benefits offered by this job

401(k) matching

Medical insurance

Dental insurance

Vision insurance

Life insurance

HSA/FSA

Flexible PTO

Referral program

Job summary

Idea Financial is seeking a seasoned MCA broker/closer to join our Direct sales team as a Funding Specialist. This customer-facing role focuses on managing a portfolio of merchants, driving activation, production, and retention at scale.

You will report to the Direct Dept Manager and collaborate with brokers to prospect, fund, and retain our growing client list. Success is defined by funded volume and monthly sales goals.

Qualifications

• 2+ years of experience in small business lending, commercial finance, or alternative lending.
• Prior broker or funder experience managing a portfolio of merchants or broker partners.
• Ability to juggle high-volume deals and maintain engagement.
• Strong knowledge of credit, bank statement analysis, and underwriting questions.
• Proven track record of hitting sales goals in a commission-driven environment.

Responsibilities

• Manage a portfolio of merchants and drive activation, retention, and renewals.
• Represent Idea Financial professionally in merchant interactions to deepen engagement and profitability.
• Educate applicants on products (Line of Credit and Term Loan) and submission requirements.
• Coordinate with underwriting teams to move deals from submission to funding.
• Position offers to merchants and troubleshoot stips in real time.
• Strategize with merchants to deliver a best-in-class experience and lender of choice.
• Use Salesforce to manage pipeline, log activity, and forecast accurately.
• Deliver timely responses and maintain borrower communication standards.
• Share feedback with leadership on merchant needs and product/process improvements.

Skills

Small business lending

Broker experience

Portfolio management

Credit analysis

Sales targets

Networking

Time management

Salesforce

Tools

Salesforce

Job description

Idea Financial has loaned small businesses over $1 billion, through both our internal sales teams and our direct broker team. These sales come with big commissions, and we've paid millions of dollars in revenue share to our team.

By meeting your attainable goals, you can expect to earn well into six figures. You'll also have prime health insurance, a matching 401(k), and a fast-paced, rewarding work environment.

Come work for the engine of the American economy. Come work at Idea Financial.

ABOUT THE ROLE

Idea Financial is hiring a seasoned MCA broker/closer to join our Direct sales team as a Funding Specialist. This is a customer-facing role for someone who has spent meaningful time on the broker, sales, or funder side of small business lending and knows how to manage a portfolio of merchants, driving activation, production, and retention at scale.

You'll report to the Direct Dept Manager and work alongside other brokers to prospect, fund, and retain our rapidly growing client list.

This is a high-visibility, high-impact role. Success is measured by your ability to drive funded volume, grow merchant engagement across the book you own, and consistently deliver against monthly sales goals.

RESPONSIBILITIES

• Manage a portfolio of merchants and drive activation, retention, and renewals
• Represent Idea Financial professionally in every merchant interaction to deepen engagement, productivity, and profitability
• Educate applicants on our products (Line of Credit and Term Loan), including credit and submission requirements and what makes us different from other lenders
• Work cross-functionally with partner underwriting teams to move deals quickly from submission to funding
• Position and pitch offers to merchants, and troubleshoot stips in real time
• Strategize and consult with merchants to deliver a best-in-class experience that makes Idea Financial their lender of choice
• Use Salesforce to manage your pipeline, log activity, and forecast accurately
• Deliver consistent, timely responses across your book and set the standard for borrower communication
• Share feedback with leadership on merchant needs, competitive intel, and product or process improvements

THE IDEAL CANDIDATE

• 2+ years of experience in small business lending, commercial finance, or alternative lending
• Prior broker or funder experience managing a portfolio of merchants or broker partners, driving consistent submissions and growing funded volume
• Ability to handle a high-volume applicant channel: juggling many active deals, prioritizing well, and keeping engagement high
• Strong working knowledge of credit, bank statement analysis, and common stips and underwriting questions on small business deals
• Proven track record of hitting and exceeding sales goals in a commission-driven environment
• An established network of merchant contacts is a plus
• Honest, self-motivated, competitive, high-energy, and a team player. We want people who win without cutting corners
• An efficient relationship builder who thrives on engagement and results
• Strong organization and time management. You can run a book without things falling through the cracks
• Salesforce experience is a plus; if you haven't used it, be ready to learn

WHAT WE OFFER

• Competitive base plus uncapped commissions. The more you produce, the more you earn
• A seat at a company that has funded over $1 billion to small businesses and is still growing fast
• A highly visible, revenue-generating role where your impact is clear
• Real growth potential. We promote from within and reward people who raise the bar
• A collaborative, supportive, fast-paced culture built on reward and recognition
• A fun, friendly, talented team passionate about fintech and helping small businesses succeed
• Benefits: 401(k) with matching, medical, dental, vision, life insurance, HSA/FSA, employee assistance program, flexible PTO, and a referral program

POSITION DETAILS

• Full-time, office-based in Miami, FL
• Monday-Friday, 9:00 AM - 6:00 PM EST
• Competitive base + uncapped commissions + full benefits

Idea Financial is an equal opportunity employer. We make all employment decisions without regard to sex, sexual orientation, gender identity, race, color, religion, age, national origin, pregnancy, citizenship, disability, service in the uniformed services, or any other classification protected by federal, state, or local law.