Fundnode tool
Broker markup calculator
Got an MCA offer from a broker? Most broker-placed deals embed 8-15% commission in the factor rate. This calculator estimates the equivalent direct-funder factor and how much you could save going direct.
Methodology and ranges sourced from our 2026 MCA Pricing Reference and ISO partnership program disclosures.
Your offer
What this tells you
Your broker-placed offer
1.32 factor
Total payback: $66,000
Total fee: $16,000
APR-equivalent: 79%
Estimated direct-funder equivalent
~1.22 factor
Total payback: ~$61,000
Total fee: ~$11,000
APR-equivalent: ~56%
Potential savings going direct
~$5,000
Approximately 31% of the total fee. This estimate assumes the funder would charge the same factor minus the commission they would've paid the broker — a reasonable assumption for direct relationships at published-rate funders.
How to go direct
Several major funders accept direct merchant applications without an ISO/broker. Apply directly and reference this calculator's estimate when negotiating.
- Credibly — direct merchant application, published rates from 1.11+ on A-paper
- OnDeck — direct lender, multi-product (term + LOC)
- Bluevine — LOC for established merchants, materially cheaper than MCA if you qualify
- Fundbox — direct LOC, lower revenue/TIB floor than Bluevine
- Forward Financing — direct B-paper specialist with transparent pricing
Methodology
Commission estimates use public ISO partnership program disclosures: Greenbox Capital (up to 19%), Accord Business Funding (up to 15%), Rapid Finance (up to 5%), plus aggregated industry survey data on undisclosed funders (typically 8-12%). The direct-funder factor estimate assumes the broker commission is removed from the total fee and the residual fee becomes the new factor.
APR-equivalent is computed from the payment schedule: the total payback is split into level debits on business days (about 252 a year), and we solve for the rate at which those debits are worth exactly the advance, then annualize it (rate per debit × 252). For a 1.32 factor over 270 days that is about 79%. An earlier version of this page used a simplified formula, ((Factor − 1) × 365 × 2) / (Term × (1 + Factor)), which understated the cost by roughly half (about 37% for the same offer).
This is an estimate, not a quote. Actual direct-funder pricing depends on your specific file. To get a real quote without an intermediary, use the qualification funnel at fundnode.co/qualify — we'll route you to 1-2 direct funders that match your profile.