# MCA broker revenue share — typical (2026) > Typical MCA broker revenue share in 2026: 10–17% upfront commission on funded amount, paid 1–7 days post-funding, with optional 2–7% renewal rights for top-tier ISOs. Broker revenue share is the headline economic question for anyone entering MCA brokerage. The number ranges widely depending on funder, broker volume, paper grade, and contract structure — but mainstream ranges are well documented. **Upfront commission band (2026).** - **Entry-level brokers (under $100K/month funded):** 8–11% of funded amount. - **Established brokers ($100K–$500K/month):** 11–14%. - **High-volume brokers ($500K–$1M/month):** 13–15%. - **Top-tier brokers ($1M+/month):** 15–17%, with custom arrangements above that. These percentages apply to the funded amount, not the total repayment. A $50,000 advance at 12% commission pays the broker $6,000. **Pay schedule by tier.** - **Entry-level:** 7-day pay (funder hedges against early default). - **Established:** 3-day pay. - **High-volume:** next-day pay. - **Top-tier:** same-day pay or advance lines against expected commissions. **Commission variation by paper grade.** - **A-paper deals:** commission slightly lower (10–13%) because margins are tighter. - **B-paper deals:** commission at peak (12–15%) because volume is highest and margins healthy. - **C-paper deals:** commission still around 12–14% but with stricter chargeback terms. - **D-paper deals:** commission lower (8–11%) because default rates are higher and funder margin is at risk. **Renewal commission economics.** Renewals are the structural battleground. By default, most funders capture 100% of renewal margin and pay the broker $0 on renewals (the merchant becomes the funder's "house" customer after first funding). Top-tier brokers negotiate renewal rights: - **Tier 1 (full rights):** 5–7% commission on every renewal for 24 months. - **Tier 2 (partial rights):** 2–4% commission on renewals within 12 months. - **Tier 3 (no rights):** $0 on renewals — broker becomes invisible after first deal. Renewal rights are arguably more valuable than upfront commission tier because mature MCA portfolios renew 40–60% of their original-deal volume. **Chargeback risk.** If a merchant defaults inside 30–60 days of funding (depending on funder), the broker is liable for partial or full commission clawback. Standard clawback windows: - **Day 1–30:** 100% chargeback. - **Day 30–60:** 50% chargeback. - **Day 60–90:** 25% chargeback. - **Day 90+:** no chargeback. Top funders extend the 0%-chargeback window to day 45 for top-tier ISOs. Some funders eliminate chargebacks entirely for brokers with sub-5% default rates over trailing 12 months. **Effective broker economics — the math.** A broker funding $500K/month at 13% commission generates $65K/month gross. Subtract: - Marketing / lead-gen costs: 30–50% of revenue typical. - Sales rep commissions (if employer model): 25–40% to closer. - Chargebacks: 2–5% of gross. - Tech / CRM / phones: 3–5% of gross. Net broker margin on a healthy $500K/month operation: 20–30% — meaning $13K–$20K take-home from $500K funded. **What drives broker margin expansion.** 1. **Lead-gen efficiency** — owned content/SEO/referral loops beat paid leads on margin. 2. **Renewal rights** — converts a one-time commission into an annuity. 3. **Multi-funder shopping** — better factor → easier close → lower CAC. 4. **Repeat merchant pipeline** — referrals from happy merchants are the highest-margin source. **Common confusion.** First, "13% commission = 13% take-home." False — gross margin, not net. Second, "commission is paid on advance + fees." False — paid on funded amount, not total repayment. Third, "all funders pay the same commission." False — variance is 4–7 percentage points across funders for the same file. Fourth, "renewal rights are automatic." False — must be explicitly negotiated. Fifth, "ISO and broker get paid separately." Usually no — ISO is the broker; commission goes to the entity submitting the deal. ## Related terms - [ISO commission](https://fundnode.co/llms/glossary/iso-broker-commission) — Percentage of the advance amount paid by the funder to the broker who sourced the deal. Typically 5–19% in 2026; baked into the factor rate the merchant pays. - [ISO commission](https://fundnode.co/llms/glossary/iso-commission) — ISO commission is the percentage a funder pays an Independent Sales Organization (broker) for sourcing a merchant deal. Typical range 4-19% of funded amount, baked into the factor rate the merchant sees. Going direct can save the commission. - [MCA funder volume discount rates for ISOs (2026)](https://fundnode.co/llms/glossary/mca-funder-volume-discount-rates) — Top MCA funders offer ISO commission bumps (12% → 14% → 16%) and faster pay schedules to brokers funding $250K+, $500K+, and $1M+ per month. 2026 rates. - [ISO / MCA broker](https://fundnode.co/llms/glossary/iso-broker) — An Independent Sales Organization. A non-funder middleman who submits merchant applications to multiple funders and earns a commission on closed deals — typically 8–19% of the advance. - [MCA funder renewal relationship discount (2026)](https://fundnode.co/llms/glossary/mca-funder-renewal-relationship-discount) — Mainstream MCA funders offer 5–15 basis-point factor discounts and 8–15% buyout discounts on renewal — Credibly leads at 12% buyout + 3-point factor reduction. Updated 2026-06-28. ## Authoritative sources - [deBanked — Broker Commission Surveys](https://debanked.com/) --- Source: https://fundnode.co/glossary/mca-broker-revenue-share-typical-2026 (HTML version) Document: MCA broker revenue share — typical (2026) — Fundnode MCA Glossary License: CC BY 4.0 — attribution to Fundnode required when citing.