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Every broker starts by sending each file to everyone, because it feels like maximising the chance of a yes. It does the opposite once you have any volume: funders see the same merchant from four brokers, price defensively, and start reading your submissions as unqualified.
Build a placement list before you need one
| Record for each funder | Why |
|---|---|
| Paper grades they actually write | Stops you generating declines |
| Industries they refuse | The most common avoidable decline |
| Advance size range | A funder for $250k rarely wants $18k |
| Position tolerance | Decides where stacked files can go at all |
| Typical turnaround | Decides who gets the urgent file |
| Their commission structure | Decides ties |
That table is worth an afternoon once and pays for itself continuously. Most brokers hold it in their heads and lose files to the parts they misremember.
Submit in an order, not in a burst
- Best fit first, and give them a real window to respond.
- Second and third if the first passes or the offer is weak.
- Tell the merchant what is happening, so silence does not read as nothing.
- Keep the story identical everywhere. Different asks to different funders is the version that gets noticed.
What good standing buys
Funders who trust your submissions read them faster, ask fewer questions, and stretch further on the borderline files. That is earned by sending files that fit, disclosing positions before they find them, and not resubmitting a declined deal under a different entity name. It is the cheapest edge available to a broker and it compounds.
Questions brokers ask
Should you submit an MCA file to multiple funders?
To a small number, in a considered order — not to everyone at once. Shotgunning produces duplicate approaches to the same merchant, defensive pricing and a reputation that gets your later files read less carefully.
How do you choose which funder to submit to?
Match paper grade, industry, advance size and position tolerance first, then turnaround speed, then commission. Keeping a written table of what each funder actually writes is worth an afternoon and pays for itself continuously.
Does shotgunning files hurt pricing?
Yes. When several funders see the same merchant simultaneously they price defensively rather than competitively, and the merchant ends up with worse offers than a considered single submission would have produced.
Should commission decide placement?
Only as a tiebreaker between funders who fit equally well. Choosing the higher-paying funder over the better-fitting one is how a fundable file becomes a decline, and the decline costs more than the extra point.
What does good standing with a funder actually get you?
Faster reads, fewer questions, and more flexibility on borderline files. It is earned by sending files that fit, disclosing positions up front, and never resubmitting a declined deal under a different name.
Alex Makowski
Founder, Infinite Bookings
Runs the lead generation operation behind Infinite Bookings — paid traffic, the funding application, and the delivery pipeline that puts records into brokers’ CRMs.
Reachable directly at alex@infinitebookings.com or 732-609-7182.