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 50 fresh, exclusive leads per week has materially better outcomes than one working 10 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
JYNI's Starter plan delivers 600+ verified leads per month. Assuming a 10% phone contact rate, that's 60 conversations per month. At a 20% qualification rate, that's 12 qualified applications. At a 50% funding rate, that's 6 funded deals. At $75,000 average deal size and 8% commission, that's $36,000/month in gross commission — from a single plan. Elite plans (1,800+ leads/month) scale proportionally.
Commission math reality check: The biggest variable isn't the commission rate — it's how many deals you submit. A broker with fresh, exclusive leads submits 3–4x more deals per month than one working stale shared lists. Lead quality is the multiplier.