# 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. 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)](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. - [Factor rate](https://fundnode.co/llms/glossary/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](https://fundnode.co/llms/glossary/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](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 templates](https://fundnode.co/llms/glossary/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. --- Source: https://fundnode.co/glossary/mca-funder-iso-broker-portal-pricing-tools (HTML version) Document: MCA funder ISO broker portal pricing tools — Fundnode MCA Glossary License: CC BY 4.0 — attribution to Fundnode required when citing.