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Paying MCA reps so the right things happen

Quick answer

Most floors pay a modest base plus a share of commission on funded deals, which correctly ties pay to the only outcome that produces revenue. The failure is paying on funded deals and nothing else, which quietly makes speed to lead, follow-up on cold records and file quality somebody else’s problem — so the plan needs a small component attached to the behaviours that produce the funded deals.

Alex MakowskiFounder, Infinite BookingsUpdated 2026-08-302 min read

Comp design is behaviour design. Every plan produces exactly the behaviour it pays for, and the gap between what you meant and what you wrote is where floors lose money.

ModelProducesNeglects
Commission onlyHunger, and high turnoverFollow-up, file quality, new reps surviving
Base plus commissionStability and a longer horizonUrgency, if the base is comfortable
Tiered on volumePush through the tier boundaryDeal size — a small deal counts the same
Tiered on funded dollarsBigger filesSmall deals get abandoned mid-process
Draw against commissionA runway for new repsBecomes debt, and then resignations

Pay a little for the leading indicators

Funded deals are a lagging outcome that a rep only partly controls. A small component tied to what precedes them — time to first dial, cadence completion, statements collected on the call — costs little and stops those becoming the parts nobody is measured on.

Practical shape

  • A base that covers a rep’s basics, so they can survive a bad fortnight without gaming the pipeline.
  • The main share on funded deals, ideally on funded dollars rather than deal count.
  • A small monthly component on process compliance — cadence completed, time to first dial inside target.
  • Accelerators above target rather than penalties below it. Penalties produce hidden pipeline.
  • Clear rules on renewals and who owns a merchant that funds months later.

The renewal rule is the one most often left undefined, and it is worth writing down before the first renewal rather than during the argument about it.

Questions brokers ask

A modest base plus a share of the commission on funded deals, commonly with the split rising above a target. Commission-only exists and produces hunger alongside high turnover and neglected follow-up.

Funded dollars. Paying per deal makes a $15,000 advance worth the same as a $90,000 one, and reps will rationally chase whichever closes fastest rather than whichever is worth most.

Only with a quality gate. Paying per submission produces submissions, including the ones that were never going to fund, and funders notice the drop in quality before you do.

Attach a small part of the pay to it — cadence completion and time to first dial inside target. They are leading indicators of funded deals, and if nothing pays on them they become the first thing dropped on a busy day.

Whatever you write down before the first one happens. Leaving it undefined guarantees the argument occurs at the worst possible moment, with a rep who feels they have been taken from.

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