# 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. Deal templates inside a funder's ISO/broker portal package up the bundle of documents, fields, and configurations needed to submit a specific type of deal. They reduce the cognitive load on the broker and the rejection rate driven by mis-configured submissions. **What a "deal template" actually contains.** - **Pre-filled product type**: first-position MCA, second-position MCA, consolidation, equipment financing, line of credit, working-capital term loan, etc. - **Suggested factor / pricing grid** based on the merchant's inputs. - **State-appropriate merchant agreement template**. - **State-appropriate disclosure template** (CA SB 1235, NY CFDL, UT, VA, GA, etc.). - **Stipulation checklist** appropriate to the product and paper grade. - **Verbal-verification script template**. - **ISO commission schedule** appropriate to the product tier. - **Default e-signature flow** routing to merchant signers in correct order. **Why templates exist.** In 2022 it was common for brokers to use the wrong merchant agreement for the merchant's state, miss a required disclosure, or omit a stipulation, leading to delays and reworks. Templates standardize the submission so the broker can't deviate from a known-good package without explicit override. **Common template categories (2026).** - **First-position MCA, A-paper, $25K–$100K, single state**. - **First-position MCA, B-paper, $25K–$100K**. - **First-position MCA, C-paper, $10K–$50K**. - **Second-position MCA, A/B-paper, $20K–$75K**. - **Consolidation deal** (pays off 2+ existing positions). - **Renewal of in-portfolio merchant**. - **Equipment financing add-on**. - **Line of credit conversion**. - **Vertical-specific** templates (restaurant, trucking, retail, healthcare). **Template selection logic.** The portal auto-selects the template based on: - Merchant state (drives disclosure overlay). - Requested advance amount. - Paper grade (computed from initial OCR + soft credit). - Existing positions (drives first vs. second template selection). - ISO tier (some loyalty-tier templates have better commission and pricing). - Product preference set in the ISO's defaults. **Template version control.** - Each template is versioned. Funders update templates when: - State law changes. - Product pricing changes. - Stipulation requirements change. - Compliance team identifies a gap. - ISOs are notified of new template versions in-portal. - Old PADs continue to honor the template version under which they were issued. **Customization within templates.** - Brokers can typically adjust requested advance, term length, holdback, and a small set of optional fields. - Brokers cannot modify the merchant agreement text, disclosure text, or required-stipulation list. - Custom-negotiated commission grids (for high-volume ISOs) can override the default template commission. **Pre-submission preview.** Templates support a preview mode where the ISO can see: - The exact merchant agreement that will be presented. - The exact disclosure that will be presented. - The full stip list. - The factor / advance / commission summary. This reduces "I didn't realize this was in the contract" surprises at signing. **Template-driven workflow benefits.** - **Faster submission**: typical clean-template submission is 8–15 minutes vs. 25–40 minutes for legacy free-form submissions. - **Lower error rate**: missing-field rejections drop 60–80% with template enforcement. - **Faster PAD**: deals with proper template submission get PADs 30–40% faster. - **Better merchant experience**: consistent, predictable signing flow. - **Audit-ready**: every submission is documented with the template version used. **Template performance KPIs (visible to ISOs).** - Submissions per template. - PAD rate per template. - Funded rate per template. - Average time-to-PAD per template. - Average time-to-funding per template. This lets ISOs choose the templates with the best conversion for their merchant mix. **API and bulk-submission templates.** For high-volume ISOs, templates can be invoked via API: - Submit merchant via API call referencing a template ID. - Bulk-submit a list of merchants against a single template. - Pre-screen merchants against template eligibility before formal submission. **Multi-product templates.** Some funders bundle complementary products: - **MCA + LOC combo**: smaller advance plus an open line of credit for ongoing draws. - **MCA + equipment**: working capital plus equipment financing for the same merchant. - **Tiered offer**: A/B/C tier offers presented as a single package, merchant chooses. These multi-product templates increase deal size and ISO commission per close. **State-specific template considerations.** - **California, New York, New Jersey** templates auto-insert state APR-equivalent disclosure with the funder's calculated APR. - **Virginia, Georgia, Utah** templates insert their respective disclosures. - **Texas, Florida** templates today have lighter overlay (no state-mandated disclosure as of mid-2026). - Multi-state merchants (operating in multiple states) require the most stringent template. **Compliance and audit.** - Every template change is logged with version, effective date, and approver. - Compliance teams audit submitted deals against template requirements regularly. - Funders maintain template-change archives for legal defense and regulatory examination. **Common confusions.** - "Templates limit my flexibility" — They constrain configuration, but the limits prevent compliance and operational errors that cost more than the flexibility. - "I can use one template for any merchant" — No; state and product mismatches cause delays and rejections. - "Templates are just paperwork" — They're the entire package — agreement, disclosure, stips, commission, signing flow — not just a single document. **Best-practice ISO usage.** - Familiarize with the funder's full template library at onboarding. - Default to the most specific applicable template for each deal. - Use the preview mode before sending to merchant. - Track template performance and steer submissions toward best-converting options. - Subscribe to template-update notifications and read the change logs. **Takeaway.** Deal templates in 2026 broker portals are the operational packaging layer that ensures submissions are state-compliant, product-appropriate, and audit-ready while reducing broker friction; ISOs who master the template library submit cleaner deals, get faster PADs, and avoid the disclosure errors that increasingly trigger regulatory action. ## Related terms - [MCA funder ISO broker portal (typical)](https://fundnode.co/llms/glossary/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. - [MCA funder ISO broker portal data fields](https://fundnode.co/llms/glossary/mca-funder-iso-broker-portal-data-fields) — A 2026 MCA broker portal collects 40–80 structured fields per submission across merchant identity, business operations, financial history, ownership, banking, and processor data — most pre-populated by uploaded bank statements and OCR. - [MCA funder ISO broker portal disclosures](https://fundnode.co/llms/glossary/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 flow (typical 2026)](https://fundnode.co/llms/glossary/mca-funder-iso-broker-portal-deal-flow-typical) — Typical 2026 deal flow inside a funder's broker portal: submission → auto-OCR scoring (5–15 min) → soft PAD → human review → hard PAD → stipulation collection → verbal verification → contract signing → funding. Total elapsed time 4 hours to 5 days. - [MCA funder ISO broker portal pricing tools](https://fundnode.co/llms/glossary/mca-funder-iso-broker-portal-pricing-tools) — Pricing tools in 2026 broker portals let ISOs model factor, term, commission, and APR-equivalent in real time before submission — running scenario comparisons, prepayment discounts, renewal pricing, and disclosure-state APR calculations. --- Source: https://fundnode.co/glossary/mca-funder-iso-broker-portal-deal-templates (HTML version) Document: MCA funder ISO broker portal deal templates — Fundnode MCA Glossary License: CC BY 4.0 — attribution to Fundnode required when citing.