What a Submission Package Needs
Once a broker has an interested merchant, the deal moves through a defined sequence: application, submission to one or more funders, funder-requested stips, then an offer or a decline. Stips, short for stipulations, are the additional documents or actions a merchant has to complete before funding, a landlord waiver being a common example. E-signature and document-collection tools exist to move that entire sequence faster, without changing what a funder requires before it will fund a deal.
Our companion guide on submission quality and stips covers the process itself in depth. This guide is about the tooling that makes collecting those signatures and documents fast rather than a bottleneck.
What DocuSign Costs
DocuSign’s own pricing page lists a Personal plan at $11 monthly for a single user capped at five envelopes monthly, a starting point rather than a real production plan. Standard runs $30 per user monthly, billed annually, covering up to 50 users and 100 envelopes per user annually, with collaborative commenting, team template sharing, and custom branding included.
Business Pro steps up to $45 per user monthly, billed annually, adding web forms, payment collection, interactive form fields, and bulk send, features that matter more once a shop is running enough submission volume to want a repeatable, semi-automated intake flow rather than sending documents one at a time.
Why Branding and Delegated Signing Matter Here
Custom branding on a signature request is not cosmetic in this context. A merchant who has already been warned to be skeptical of MCA offers, a real, documented reputation problem this industry carries, is more likely to trust and complete a signature request that clearly comes from a named, branded shop than a generic, unbranded document link.
Delegated signing, letting one team member send on behalf of another, matters operationally for a shop where a closer moves a deal forward but an admin or ops person manages document collection, a common division of labor once a shop grows past one or two people handling everything.
Choosing a Plan Against Actual Submission Volume
A shop closing a handful of deals monthly does not need Business Pro’s payment collection or bulk-send features yet, Standard’s 100-envelope-per-user annual allowance covers that volume comfortably. A shop running a higher-volume floor, where a bulk send to multiple merchants or an interactive intake form saves real closer time across many deals, is the shop Business Pro’s extra cost is built for.
The honest advice mirrors dialer tier selection: start where actual volume sits, not where a sales rep at the software company suggests, and upgrade once the lower tier’s limits are genuinely being hit.
What E-Signature Software Doesn’t Fix
A fast, branded, trackable signature flow does not change whether a merchant qualifies, whether their bank statements support the revenue they claimed, or whether a funder will approve the deal once the package is complete. It removes friction from a document-collection process. It does not replace underwriting judgment or the conversation that gets a merchant to sign in the first place.
A shop that invests in e-signature tooling while still struggling to get merchants on the phone is solving the easier half of the problem first.
Where This Fits in the Wider Submission Workflow
Getting a signature fast matters most once a merchant has already agreed to move forward. Everything upstream of that moment, finding the merchant, having the qualifying conversation, still has to happen first, and no e-signature tool touches that part of the funnel at all.
Human + AI SDRs handle exactly that upstream step, delivering a double-confirmed merchant meeting so a closer has a real conversation to run before any signature request ever goes out.
What this means for you
- DocuSign prices a production-ready Standard plan at $30 per user monthly, stepping up to $45 per user monthly on Business Pro for payment collection, web forms, and bulk send.
- The actual document need in an MCA submission is unchanged by software: a signed application plus whatever stips a funder requires, collected as a clean package.
- Custom branding on a signature request carries extra weight in an industry merchants are frequently warned to be skeptical of, making a branded, trackable flow worth more than its convenience value alone.
Sources
The external data in this guide draws on the sources below. Figures described in the text as estimates or industry triangulations are directional and are not attributed to a single dataset.