Northline for Subscriptions & continuity

Recurring revenue reads as recurring risk. Until you show the math.

Aggregators shut down subscription businesses when involuntary churn spikes chargebacks past 1%. Dedicated accounts survive because the underwriting priced your model up front: trial terms, retry logic, cancel flow. Show a bank that math and recurring becomes your best argument, not your red flag.

twelve clean cycles = a file any bank renews

No surprises in underwriting

What the bank will actually ask.

Where you'll land

Clean subscription boxes and SaaS-adjacent billing run ~3.1–3.8%. Trial-heavy continuity prices above that until 90 days of data.

What the bank asks

Rebill disclosure at checkout, cancel-without-calling, and your dunning/retry schedule. Wired correctly, retries recover ~30% of failed rebills.

The line that matters

1.0% chargebacks (Visa) — cross it and any processor gets pressure. Our alerts fire at 0.65% so you fix churn before the bank notices it.

Fifteen minutes

Talk to the underwriter who places subscriptions.

A real answer on the call — can we place you, at roughly what rate
No SSN, no credit pull, no obligation
Then one 10-minute application, shaped to the right bank

Prefer to start with the form? Begin the application →