The short answer
MCA broker commission is commonly the high single digits to low teens in points on the funded amount: ten points on a $62,000 advance is $6,200 gross. The exact number depends on the funder, the paper and the broker’s volume, and 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 |
What moves the points
- Paper grade. Better paper funds larger advances at longer terms, and points on a bigger advance are worth more even at the same rate.
- Volume with that funder. Consistent submissions earn better terms, which is one of the returns on good standing.
- Whether you are submitting direct or through an ISO, which is the largest single variable.
- The deal itself — funders price the commission alongside the offer, so an aggressive offer to the merchant can mean fewer points to you.
Deal size does more work than points
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.