Broker commission on a merchant cash advance is typically quoted in points on the funded amount, commonly in the high single digits to low teens, with the exact number depending on the funder, the paper and the broker’s volume. The figure that matters is what you bank after any ISO or rep split — a headline twelve points can be six by the time it reaches the person who did the work.
Almost every affordability calculation in this business runs off a commission number, and almost every broker uses the headline rather than the banked one. That single substitution is why lead budgets get set too high.
| Layer | What it takes | What is left |
|---|---|---|
| Funder pays points on funded amount | The headline figure | 100% of the commission |
| ISO or shop split | Often a substantial share | What the office keeps |
| Rep commission | A share of the office’s portion | What the business banks |
| Acquisition cost | The lead spend | The actual margin |
A point more on a $45,000 advance is $450. Moving the average advance to $62,000 at the same points is worth roughly $1,700. Negotiating points is worth doing and it is the smaller lever — the larger one is talking to merchants whose files fund bigger, which is a lead-selection decision.
Commission is quoted in points on the funded amount, commonly in the high single digits to low teens depending on the funder, the paper and your volume. What you actually bank is that figure after any ISO and rep splits.
A percentage of the funded amount paid to the broker. Ten points on a $62,000 advance is $6,200 gross, before any split with an ISO or a rep.
The banked number after every split, not the headline the funder quotes. Budgeting off a figure you never receive is the most common way brokers conclude an unaffordable feed is affordable.
Consistent volume with a funder, submitting direct rather than through an ISO, and better paper — which funds larger advances at longer terms, so the same points are worth more.
Bigger deals, by several times. A point more on a $45,000 advance is $450; moving your average advance to $62,000 at the same points is worth about $1,700 per deal.
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