Pricing tools inside a funder's broker portal are how an ISO models the economics of a potential deal before submitting it — and how they walk a merchant through pricing during the close. The 2026 generation has integrated state APR-equivalent calculation, prepayment-discount math, and commission-scenario modeling into a single workspace.
Core pricing-tool capabilities.
- Factor-rate calculator: input advance + factor + term, get total repayment, daily debit, and APR-equivalent.
- Reverse calculator: input target daily debit (what the merchant can afford), output the implied advance + factor + term.
- Commission calculator: input advance + factor + ISO tier, output ISO commission (and net to merchant).
- APR-equivalent calculator: state-specific calculation methodology for CA, NY, UT, VA, GA, NJ, CT.
- Prepayment-discount calculator: input "early payoff month", output discounted payoff amount.
- Renewal-pricing calculator: project renewal pricing based on current merchant performance.
- Scenario comparison: side-by-side comparison of 2–5 pricing options for the merchant.
- Buyout calculator: compute the buyout amount needed to consolidate existing MCA positions.
Factor-rate calculator mechanics.
Input fields:
- Advance amount.
- Factor rate.
- Term (months) OR daily debit amount (mutually derivable from holdback assumption).
- Number of business days per month (typically 21 or 22).
Output:
- Total repayment.
- Total fee (advance × (factor - 1)).
- Estimated daily debit.
- Estimated APR-equivalent (computed by funder's standard methodology).
- Estimated state-disclosed APR (where the merchant is in a disclosure state).
APR-equivalent calculation.
Disclosure-state APR is computed using each state's prescribed methodology:
- California (CCFPL / 10 CCR §3000 et seq.): cash-flow-based calculation; assumes daily-debit schedule; uses the estimated APR methodology.
- New York (23 NYCRR Part 600): similar daily-payment approach; slightly different averaging.
- New Jersey (effective 2026): combines elements of CA and NY.
- Utah, Virginia, Georgia: variants on the same conceptual framework.
For a $50K advance, 1.30 factor, 9-month term, daily ACH:
- Total repayment: $65,000.
- Total fee: $15,000.
- Days (business): 9 × 21 = 189.
- Daily debit: $65,000 / 189 ≈ $343.92.
- Implied APR (CA methodology): approximately 55–62%.
Commission calculator mechanics.
Input fields:
- Advance.
- Factor.
- ISO tier (Silver, Gold, Platinum or equivalent).
- Paper grade.
- Position (1st, 2nd).
- Custom-negotiated commission grid (if any).
Output:
- Gross commission $.
- Commission % of funded amount.
- Estimated clawback exposure window (30 / 60 / 90 days).
- Net commission after typical historical clawback rate for the ISO.
Scenario-comparison view.
ISOs can build a side-by-side comparison of 2–5 pricing scenarios for the merchant. Typical scenario set:
- Lower advance, shorter term, lower factor.
- Mid advance, mid term, mid factor.
- Higher advance, longer term, higher factor.
For each scenario the merchant sees:
- Advance.
- Total to repay.
- Daily debit.
- Term.
- APR-equivalent.
- Money to merchant after any payoffs/closing costs.
This positions the conversation around merchant fit rather than the broker pushing a single option.
Prepayment-discount calculator.
Many funders offer prepayment discounts if the merchant pays off early:
- 20% discount on remaining fee if paid off in months 1–3.
- 10% discount in months 4–6.
- 0% discount thereafter.
The calculator lets the ISO model: if the merchant pays off in month 4, what's the payoff and how much do they save?
Renewal-pricing calculator.
Inputs:
- Current advance and balance.
- Current % paid back.
- Updated trailing revenue.
- Months since funding.
Outputs:
- Maximum renewal advance.
- Estimated new factor.
- Estimated new daily debit.
- Buyout of old balance.
- Net money to merchant.
- ISO renewal commission.
Buyout calculator.
For consolidation deals:
- Inputs: existing positions (funder, daily debit, balance, term remaining).
- Outputs: total buyout amount needed, new advance required, new factor, new term, net to merchant after buyouts.
Compliance integrations.
Pricing tools are automatically tied to disclosure overlays:
- If merchant is in a disclosure state, the pricing tool surfaces the state APR-equivalent prominently.
- Brokers cannot present pricing in disclosure states without the corresponding APR-equivalent visible.
- Pricing scenarios saved for a merchant are version-controlled so the regulator audit shows what was presented.
ISO-facing UX patterns.
- Web-based pricing tool (desktop and mobile).
- Mobile app pricing tool for in-person merchant visits.
- API for embedding pricing logic into the ISO's own CRM.
- Spreadsheet export for proposal documents.
Merchant-facing presentation tools.
Some funders provide co-branded pricing-illustration documents:
- One-page summary of factor + term + APR-equivalent + total repayment + daily debit + commission.
- Can be co-branded with the ISO and delivered as PDF or via portal.
- Signed by merchant as part of the disclosure flow in disclosure states.
Pricing-tool integration with offers.
When the ISO settles on a pricing scenario:
- One-click "Submit at this pricing" generates a PAD request with the chosen parameters.
- Funder underwriter receives the desired pricing as part of the submission.
- Resulting PAD may match or may counter based on actual underwriting.
Common confusions.
- "Pricing tools are just calculators" — They're regulatory-compliance infrastructure too; the APR-equivalent feature is what makes them defensible in disclosure states.
- "I can use any factor I want" — Funder-set factor grids constrain ranges; out-of-grid scenarios route to senior underwriting.
- "Commission is fixed at the funder default" — Often negotiable for high-volume ISOs; pricing tool supports custom grids.
- "APR-equivalent is the same as APR" — They're conceptually similar but methodologically distinct; APR-equivalent is the state-prescribed approximation for MCA's non-loan structure.
Best-practice ISO usage.
- Build 2–3 scenario comparisons for every merchant rather than pitching a single option.
- Always model APR-equivalent before pitching, even outside disclosure states (merchants increasingly ask).
- Use prepayment-discount modeling proactively — many merchants don't realize the savings.
- Cross-check ISO commission against the deal economics to ensure aligned incentives with the merchant.
Takeaway. Pricing tools in 2026 broker portals are the bridge between submission and merchant conversation — they model factor, commission, APR-equivalent, prepayment, renewal, and buyout scenarios in real time and ensure disclosure-state compliance is built into every pitch.
Related terms
- MCA funder ISO broker portal (typical) — A typical 2026 MCA funder ISO portal is a web-based submission and account-management platform offering deal submission, real-time status tracking, commission reporting, marketing assets, and renewal alerts — table stakes for any funder seeking ISO submissions.
- Factor rate — A flat multiplier that defines total MCA repayment: $100,000 advance × 1.30 factor = $130,000 repaid. It is not an interest rate; it does not compound.
- APR-equivalent — The annualized percentage rate implied by a factor-rate MCA. A 1.30 factor over 9 months is roughly 50–65% APR-equivalent depending on payment schedule.
- MCA funder ISO broker portal disclosures — Funder broker portals in 2026 auto-generate state-specific disclosure documents (CA, NY, UT, VA, GA + emerging states) with funder-calculated APR-equivalent, total cost, and ISO commission shown to the merchant before signing.
- MCA funder ISO broker portal deal templates — Deal templates in 2026 broker portals are pre-configured submission packages — merchant agreement, disclosure overlay, stipulation checklist, factor grid — bundled by product type, paper grade, and state. Reduces submission errors and accelerates time-to-PAD.
AI agents: this term is available as raw markdown at /llms/glossary/mca-funder-iso-broker-portal-pricing-tools.