Quick answer: MCA broker commissions typically run 8–12% of the funded amount on direct ISO deals — about $8,000–$12,000 on a $100,000 advance — and 1–5% on SBA, equipment, and line-of-credit products. Most brokers can also charge the borrower an origination fee on top. The rest of this guide breaks commissions down by product and shows how to increase what you earn per deal.
One of the most common questions from brokers new to commercial lending is: how much can I make per deal? The answer ranges widely — from a few hundred dollars on a small MCA to $30,000+ on a large SBA transaction. Understanding commission structures across different products is essential for building a sustainable business and knowing where to focus your pipeline.
How Commercial Lending Broker Commissions Work
Commercial lending brokers typically earn commissions in one of three ways: a percentage of the funded amount (points), a flat fee per deal, or a portion of the factor rate spread. The most common structure in MCA and alternative lending is points — typically 5–12% of the funded amount for MCA, 1–3% for SBA and traditional products.
Points are paid by the lender (ISOs receive points from the funder), by the borrower (origination fee), or split between the two. In direct ISO relationships with MCA funders, brokers typically receive 8–12 points on funded deals. In syndication or super-broker arrangements, the commission may be lower (3–6%) because a referral fee is paid to the lead source.
Commission Rates by Product Type
| Product | Typical Commission | On a $100,000 Deal |
|---|---|---|
| MCA (direct ISO) | 8–12% | $8,000–$12,000 |
| MCA (through super-broker) | 4–7% | $4,000–$7,000 |
| Equipment financing | 3–5% | $3,000–$5,000 |
| Business line of credit | 2–4% | $2,000–$4,000 |
| SBA 7(a) loan | 1–2% | $1,000–$2,000 |
| Invoice factoring | 1–3% recurring | $1,000–$3,000/cycle |
| Commercial real estate bridge | 1–2% | $1,000–$2,000 |
How to Increase Your Commission Per Deal
- Build direct ISO relationships with funders: Cutting out the super-broker layer typically adds 3–5 points per deal. The tradeoff is more lender relationships to manage.
- Charge a broker fee: Many brokers charge the borrower a 2–5% origination fee in addition to the lender commission. This is legal in most states for commercial transactions.
- Upsell to higher-margin products: Equipment financing at 4% commission beats MCA at 5% on large amounts because equipment deals are often larger. Know your product mix.
- Increase average deal size: The fastest way to increase total commission income is to work larger deals. Targeting businesses with $50,000+/month revenue increases your average funded amount significantly.
- Build a renewal machine: Funded MCA clients can be renewed every 3–6 months. Each renewal pays a new commission. A book of 50 funded clients generates renewal commissions continuously.
What Do Top Commercial Lending Brokers Earn?
Solo brokers closing 3–5 deals per month at an average of $75,000 per deal and 8% commission earn $180,000–$360,000 per year. Top performers closing 8–12 deals per month at larger average sizes ($100,000+) earn $500,000–$1M+. Brokerage teams with 5+ producers and a strong lead generation system can generate $2M+ per year in gross commission.
The key lever is pipeline volume. A broker with consistent flow of fresh, well-targeted leads has materially better outcomes than one working a small batch of leads from a shared list. The difference in lead quality compounds through the entire funnel — more contacts, more qualified leads, more submissions, more funded deals, more commission.
Calculating Your Income Potential with JYNI
See pricing for current agent counts and lead volume by plan. As an illustrative example: assuming a 10% phone contact rate on a steady weekly lead flow, brokers can realistically book several qualified conversations per week, convert a portion of those into submitted applications, and fund a meaningful share of those submissions — building toward a multi-thousand-dollar monthly commission run rate at typical $75,000 average deal sizes and 8% commission.
Commission math reality check: The biggest variable isn't the commission rate — it's how many deals you submit. A broker with fresh, well-targeted leads submits materially more deals per month than one working stale shared lists. Lead quality is the multiplier.
Frequently Asked Questions
How much commission do MCA brokers make per deal?
MCA broker commissions typically run 8–12% of the funded amount on direct ISO deals — about $8,000–$12,000 on a $100,000 advance. Through a super-broker the rate is lower, around 4–7%, and many brokers can also charge the borrower an origination fee on top.
How do commercial lending broker commissions work?
Brokers earn in one of three ways: a percentage of the funded amount (points), a flat fee per deal, or a share of the factor rate spread. Points are the most common structure and can be paid by the lender, the borrower, or split between the two.
What are typical commission rates by product?
On a $100,000 deal: MCA via direct ISO pays 8–12%, MCA through a super-broker 4–7%, equipment financing 3–5%, lines of credit 2–4%, SBA 7(a) 1–2%, invoice factoring 1–3% recurring, and commercial real estate bridge 1–2%.
How can a broker increase commission per deal?
Build direct ISO relationships to add 3–5 points, charge a borrower origination fee where legal, upsell higher-margin products, increase average deal size by targeting $50,000+/month-revenue businesses, and build a renewal machine since funded MCA clients renew every 3–6 months.
What do top commercial lending brokers earn?
Solo brokers closing 3–5 deals a month at $75,000 average and 8% commission earn $180,000–$360,000 a year. Top performers closing 8–12 larger deals reach $500,000–$1M+, and teams with 5+ producers can generate $2M+ in gross commission annually.