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CompanyProfile

ISO/MLS contact:
Darrin Ginsberg
Chief Executive Officer
800-631-2423
darrin@supergcapital.com
www.supergcapital.com

Funding solutions tailored

to help ISOs plan ahead

uper G Capital LLC is a provider of financ- I think the industry needs to watch out for that and fight
ing solutions designed to foster growth in back with similar pricing methodologies."
businesses that are either constrained by or
S lack access to traditional commercial lending Approval process
institutions. Super G has extensive expertise in delivering ISOs can obtain funding from Super G with a minimum
residual loans to payments industry ISOs, in particular, of $5,000 in monthly residuals. The approval process
as well as to independent ATM deployers, insurance bro- takes only three to five business days, Ginsberg noted.
kers and software-as-a service providers. "Underwriting is very simple at Super G," he said. "What
we are looking at is the quality of the accounts that are in
"On the average, ISOs grow a business organically at 10 the books, and as long as they are diversified, we are OK
percent or 15 percent a year," said Darrin Ginsberg the with it."
company's founder and Chief Executive Officer. "If you
want to double in size, you can obtain funding from Super Loans range from one to four years and are secured by
G Capital to buy an existing portfolio or another company an ISO's portfolio residuals. After loans are paid off, ISOs
that comes with sales reps. Better yet, you can buy back retain 100 percent of their residuals. "When ISOs receive
residuals from your own existing agent base and grow their residuals, they can still make our payment and end
your business without doing any more than what you are up with positive cash flow after the fact," Ginsberg said.
doing today." "They are able to afford it during the process because I
structure the payments so that they are lower than the
Ginsberg added that ISOs know their agents' portfolios residuals. … It is all positive cash flow to the business."
better than anybody because the ISOs are doing the
processing and "can buy an agent's residuals typically on Competitive pricing
a cheaper multiple than from a much larger entity. It's a
smart way of doing business." Super G provides competitive pricing to keep rates low.
"We have lower rates and are competitive with the likes of
Super G was founded in 2008 and prides itself on having a Goldman Sachs, Comerica and the other big lenders in
become a large market leader in the residual lending space. the space," Ginsberg said. "We have the ability to do larger
The company expanded in March 2017 by merging with deals and competitively priced deals in the marketplace."
Novus Capital Group LLC to help expand its operations.
Super G provides loans ranging from $100,000 to $5 Ginsberg sees nothing but growth ahead for the payments
million and, to date, has issued $200 million in total loans. industry. "I think there is only good news ahead in the
space," he said. "What might change is who is the lead
Increasing competition sales agent in the front of the queue, but I think that the
payment industry is doing nothing but growing in all
Having previously run an ISO, Ginsberg knows how forms such as credit cards and ACH."
competitive the payments sphere can be, particularly
now with tech companies entering the space. "I call it He noted that the number of electronic transactions is
the Silicon Valley effect on payments," he said. "PayPal, up, and the number of industries that are taking cards is
Stripe and Square have made payment processing more up. "The advice I would give for people interested in the
commonplace and more well-known. … They have spent payments industry is to try picking a vertical or two and
tens of millions of dollars in advertising. I don't know of specializing in it," he said.
any ISOs in our space that have spent that kind of money.
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