Arrowhead Advisory Group owns and operates nine portfolio companies across the payments stack — from AI-powered routing to field sales, insurance infrastructure, and ISO management. We don't consult. We build and we operate.
Each company operates independently and reinforces the others. Together they cover every layer of the merchant payments lifecycle.
PayFac-as-a-Service for ISOs and their merchants. Interchange-plus pricing, intelligent multi-processor routing, 200+ verticals including high-risk. US + Canada.
0030.io →Payment routing intelligence for software platforms embedding payments. 63 deployed AI agents, 8 patents pending, universal token vault, and AI-driven interchange optimization.
penumbrahq.com →The CRM at the center of the stack. Merchant boarding, residual splits, agent hierarchy, and an external API so every client site you build feeds leads, documents, and payments directly into Aquifer the moment they're submitted.
aquiferhq.io →The 1099 sales channel for agent syndication and residuals. Certified agents build recurring income selling 0030 processing through the Aquifer platform.
echelon.institute →The merchant growth engine. Includes the MerchantMan brand and field operations IP. Digital marketing, boots-on-the-ground territory sales, and business management delivered through a franchise model.
merchantkingshq.com →Purpose-built community management for marinas, RV parks, manufactured home communities, campgrounds, and HOAs. Dues billing, gate access, member management, and embedded payments, with a SaaS fee that pays for itself through processing volume.
reevehq.io →Practice management platform built for dental, medspa, plastic surgery, and general medicine. Patient records, scheduling, billing, and embedded payments — replacing legacy systems like AdvancedMD, Dentrix, and Rectangle Health with a single modern stack.
meddexhq.io →The operating system for independent dealerships. Inventory management, in-house financing, DMV title transfers, e-signatures, and embedded payments — all in one platform. Built for operators running 10 to 100 vehicles a month. LAC Motorsports is the first live customer.
curbhq.io →Payment infrastructure built for insurance distribution. PayFac-native premium collection, surplus lines tax compliance, commission disbursement, and AI-powered reconciliation — purpose-built for agencies, MGAs, and wholesalers.
velahq.io →We acquire, invest in, and partner with payments companies across the ISO, SaaS, and field sales stack. If you've built something in this space. We'd like to hear about it.
We build conversion-focused digital presences for clients across insurance, legal, and professional services. Branded, deployed, and live.
Full-service law firm website for a high-volume enterprise client. Built for trust, clarity, and lead capture across practice areas.
pnplegal.netlify.app →Commercial insurance agency site with AI-powered statement analyzer, live client ticker, and BMS policy showcase. California-based.
goldenallianceinsurance.netlify.app →Gulf Coast insurance agency site with drag-and-drop statement analyzer, agent recruitment pipeline, referral program, and password-gated investor pitch deck.
olivers-choice-insurance.netlify.app →We build at the intersection of payments infrastructure, artificial intelligence, and vertical SaaS. Each amplifies the other.
Processing, acquiring, PayFac infrastructure, interchange optimization, and compliance across US and Canada, high-risk and standard verticals.
Purpose-built AI agents for underwriting, routing decisions, and compliance automation. 63 agents deployed. 8 patents pending protecting the core IP.
Software with natively embedded payments and analytics, built for ISOs, agents, and the merchants they serve. Sticky, recurring, data-rich.
Each company feeds the next. The data compounds. The moat deepens.
Echelon
trains & certifies agents
Aquifer
agents board merchants
0030
processes transactions
Penumbra AI
optimizes every route
Merchant Kings
retains & grows merchants
Data compounds
moat deepens
We're building for the long term. If you're a processor, ISO network, or strategic investor, let's talk.
Get in TouchArrowhead Advisory Group is an active operator, not a fund. We build, own, and run companies. Every dollar in the portfolio is working. If you invest in businesses run by people who've done the work, not just theorized about it, we'd like to talk.
9 provisional patents pending across payment routing intelligence, residual attribution, behavioral fraud detection, and agent training infrastructure. Filed as micro entity. Assignee: Arrowhead Advisory Group LLC.
Five companies that reinforce each other. Echelon trains agents. Agents use Aquifer. Aquifer boards merchants on 0030. Penumbra optimizes every transaction. Merchant Kings grows the portfolio. One flywheel, compounding.
63 AI agents in production across the portfolio. Not a roadmap. Deployed infrastructure. Built by operators who've run these businesses, not engineers who've read about them.
$10T+ in annual US card volume. The ISO channel processes a significant fraction of that. It runs on 20-year-old infrastructure, spreadsheets, and manual processes. We're replacing all of it.
We're selectively adding advisors who've been in the rooms we're walking into. We want operators who can open doors, challenge our thinking, and accelerate the companies they're closest to.
Who We're Looking For
ISO owners, PayFac operators, processor executives, acquiring bank relationships. People who've built portfolios and know the channel.
Founders or executives who've scaled B2B SaaS platforms. GTM, pricing, enterprise sales, and product-market fit in complex sales environments.
Investors who understand the payments infrastructure space, have relationships in the channel, and can help position Arrowhead for institutional capital.
Attorneys or compliance professionals with card brand, money transmission, or fintech regulatory experience.
What Advisors Get
Advisor equity in Arrowhead Advisory Group LLC, structured as a standard FAST agreement. Vests over 2 years.
Early access to all five portfolio companies. Advisors closest to specific products get deeper involvement and first look at new development.
Quarterly calls with Allan and Dylan. Direct input on product, GTM, and capital strategy. Not a ceremonial title. We want people who push back.
Arrowhead Advisory Group acquires, invests in, and partners with payments companies across the ISO, SaaS, and field sales verticals. If you're looking for a strategic partner, a growth capital injection, or an exit to operators who will actually run the business. We're interested.