greenlit

High-risk merchant account

Debt & lending merchant accounts

Collections, consumer loans and cash advance move real money — which is exactly why banks treat them as reputational risk and back away. Recurring repayments and ACH need rails that won’t disappear.

  • Regulatory and reputational exposure makes banks cautious.
  • Recurring repayments and ACH need dependable rails.
  • High volume requires bank relationships that can scale.
✓ 24-hour approvals✓ Keep your bank✓ No shutdowns

Get approved for Debt & lending

Tell us about your business — pre-qualify in minutes.

Secure · No impact to your credit

50+ industries approved
24–72 hour approvals
No sudden shutdowns
Keep your gateway
Debt & lending

The problem

Why Debt & lending keeps getting shut off

You need an acquirer comfortable with lending and collections, card and ACH processing under one roof, and the capacity to scale repayments without getting capped or cut off.

Greenlit places you with a bank that approves Debt & lending on purpose — and keeps you there.

What you get

Built to keep you processing

24-hour approvals

Bank-driven underwriting, not instant-freeze aggregators.

Chargeback defense

Visa & Mastercard alerts with automated dispute responses.

Multi-MID balancing

Spread volume across banks so caps never freeze you.

Keep your gateway

NMI, Authorize.net and 200+ integrations supported.

24–72htypical approval time
2.5–6.5%typical processing rate
5–20%rolling reserve range
~1%dispute ratio threshold

Typical industry ranges. Your exact terms depend on the acquiring bank and your business profile.

Answers

Debt & lending payment questions

Do you support ACH and card repayments?+

Yes — both card and ACH/eCheck processing are available for lending and collections.

Can you handle recurring loan repayments?+

Yes, with tokenized recurring billing and clear descriptors.