What Is Points / Commission?
Points are how a broker's commission on a funded MCA deal gets quoted, expressed as a percentage of the total funded amount, so a broker earning 6 points on a $50,000 advance is paid 6% of that $50,000, and "how many points are you getting" is standard shorthand for asking what a deal actually pays out.
Pay per booked meeting. No retainer.
Points are how a broker's commission on a funded MCA deal gets quoted, expressed as a percentage of the total funded amount, so a broker earning 6 points on a $50,000 advance is paid 6% of that $50,000, and "how many points are you getting" is standard shorthand for asking what a deal actually pays out.
Points / Commission explained
Points is the unit brokers and ISOs use to talk pricing with each other, distinct from the factor rate the merchant sees on their own contract. A deal can carry a strong factor rate for the funder while still paying the originating broker very little, or very well, depending entirely on the points negotiated on that submission.
Commission only gets paid on funded deals, not booked meetings or submitted applications, which is the reason deal-flow volume and quality both matter to a broker's real income: a shop closing fewer, better-fit deals at solid points can out-earn one pushing higher volume through weaker submissions that stall in underwriting.
The channel a shop leans on for deal flow shows up directly in that math. DailyFunder poster Sean-nayyar argues UCC-dependent shops plateau around $50,000 to $100,000 a month in commissions, because "none of the big dogs are using UCC leads to scale beyond 100k a month," a ceiling tied to the channel itself, not the sales team's effort.
Why it matters when you're buying
Two shops earning the same points-per-deal can still see very different monthly commission totals if one's deal flow is capped by a low-yield lead channel. Ask what's actually driving the pipeline, cold UCC dials, purchased data, or booked meetings, before assuming a commission plateau is a sales problem rather than a lead-source problem.
Frequently Asked Questions
What does "points" mean in MCA broker commission?
Why do UCC-dependent shops plateau in commission?
Put the playbook to work
VA Horizon books qualified B2B Lead Gen appointments and builds the systems behind Points / Commission and the rest of your pipeline.
Book a B2B CallPay per booked meeting · No retainer · Free no-show replacement
Recommended next steps