Earn top commissions by offering your clients fast, flexible business funding from Merchant Fund Express. Six funding products, 24-hour decisions, 95% approval rate, dedicated broker support, and white-label options available.
Approval Rate on Broker Submissions
Average Decision Time
Funding Range Per Deal
Merchant Fund Express is built for brokers. Our platform, products, and support infrastructure are designed to help ISOs and independent brokers close more deals, earn higher commissions, and build lasting relationships with their merchant clients. Here is what sets our broker program apart from other funders.
We maintain a 95% approval rate on broker submissions because our underwriting is revenue-focused rather than credit-score dependent. When you submit a deal to MFE, there is a very high probability that merchant gets funded. This approval rate means fewer wasted submissions, less time spent on deals that go nowhere, and more commission dollars flowing to your business every month.
Decision speed is critical for brokers. Every hour that passes between submission and approval is an hour where the merchant might go to another funder or lose interest. Our 24-hour decision timeline means you get answers fast, your merchants get funded fast, and you earn commissions fast. Many deals are decisioned within a few hours of submission.
With six distinct funding products (working capital, business line of credit, merchant cash advance, equipment financing, invoice factoring, and revenue based financing), you never have to turn away a merchant because you do not have the right product. Whether your client needs a $10,000 working capital advance or a $500,000 equipment financing package, we have the product to match their needs.
Every broker partner has access to our complete product suite. Here is a detailed overview of each product you can offer to your merchant clients:
| Product | Amount | Best For | Speed |
|---|---|---|---|
| Working Capital | $5K-$500K | General business needs, payroll, overhead | 24 hours |
| Business Line of Credit | $5K-$250K | Revolving needs, seasonal businesses | 24-48 hours |
| Merchant Cash Advance | $5K-$500K | Card-heavy businesses, restaurants, retail | Same day |
| Equipment Financing | $5K-$500K | Equipment purchase, up to 60 month terms | 24-48 hours |
| Invoice Factoring | $5K-$500K | B2B businesses with outstanding invoices | 24-48 hours |
| Revenue Based Financing | $10K-$500K | Fixed payment preference, non-card businesses | 24-48 hours |
Every broker partner receives dedicated support designed to help you close more deals and maximize your commission earnings:
Dedicated Account Manager. You are assigned a personal account manager who knows your portfolio, understands your deal flow, and proactively helps structure deals for maximum approval probability. Your account manager is available by phone, email, and text during business hours and responds to inquiries within 1 hour.
Broker Portal. Real-time deal tracking, commission reporting, rate sheets, marketing materials, and submission tools are all available through our secure broker portal. Submit deals, check status, and monitor commissions from any device at any time.
Deal Structuring Assistance. Not sure which product is the best fit for a particular merchant? Your account manager helps you structure deals to maximize approval probability and merchant satisfaction. We want every submission to fund, and proactive deal structuring is how we maintain our 95% approval rate.
Training and Education. New to business funding? We provide comprehensive training on all six products, underwriting guidelines, prospecting strategies, and deal presentation techniques. Experienced brokers receive advanced training on deal structuring, stacking strategies, and renewal optimization.
Marketing Materials. Access professionally designed marketing collateral, email templates, social media content, and presentation materials through the broker portal. All materials are available in co-branded or white-label formats.
For established broker shops and ISOs with consistent deal flow, Merchant Fund Express offers white-label funding solutions that allow you to present our products under your own brand identity.
White-label capabilities include co-branded or fully branded merchant applications, custom offer letters with your company logo and branding, branded merchant communications throughout the funding process, custom landing pages for merchant-facing marketing, and branded portal access for your sales team.
White-label partnerships are designed for broker shops that want to build their own brand in the business funding space while leveraging our underwriting, capital, and servicing infrastructure. This allows you to scale your operation without building a back-end from scratch.
Speak directly with our broker team. Get deal structures, rate quotes, and submission support.
(305) 384-8391Call (305) 384-8391 or complete the broker enrollment form. Receive your broker ID and portal access within 24 hours.
Upload the merchant's application and 3-6 months of bank statements through the portal, email, or fax. Include any deal notes.
Our underwriting team reviews the submission and provides an approval and offer within 24 hours. Priority processing for active brokers.
Once the merchant accepts, funding is deposited within 24-48 hours. Your commission is calculated and paid promptly after funding.
Our broker commission structure is designed to be competitive, transparent, and scalable. Here is what you can expect as a Merchant Fund Express broker partner:
Per-Deal Commissions. Every funded deal earns a commission based on the deal size and product type. Commission percentages are competitive with industry standards and disclosed upfront in your broker agreement. There are no clawbacks on funded deals that complete their term.
Volume Bonuses. Brokers who maintain consistent deal flow qualify for quarterly volume bonuses on top of per-deal commissions. These bonuses are based on total funded volume and deal count, rewarding brokers who bring quality deals consistently rather than sporadically.
Renewal Commissions. When your merchants renew their funding (and 98% of our funded merchants do), you earn renewal commissions on the new deal. This creates a compounding income stream where each new merchant you bring to MFE generates ongoing commission revenue as they renew, expand, and stack additional products.
Prompt Payment. Commissions are paid promptly after each deal funds. No waiting for monthly or quarterly payouts. No minimum thresholds. When your deal funds, your commission is processed immediately.
For specific commission rates and tier details, contact our broker team at (305) 384-8391. We are happy to walk through the commission structure in detail and show you how your current deal flow would translate to earnings with MFE.
Your merchants receive approval decisions within 24 hours of complete submission. No waiting days or weeks for underwriting. This speed helps you close deals before competitors can intervene.
Revenue-focused underwriting means more of your submissions get approved. Less wasted time, fewer declined merchants, and more commissions per submission batch.
When a merchant does not fit one product, there are five others to try. This product diversity dramatically increases the chance of finding a funded solution for every deal you submit.
Credit scores from 550 are accepted. This opens up a massive market of merchants that traditional lenders overlook, giving you access to deals other funders decline.
Application and 3-6 months of bank statements. No tax returns, no financial statements, no collateral appraisals. This streamlined process reduces merchant dropout and speeds the pipeline.
98% renewal rate means your merchants keep coming back. Each initial funded deal creates an ongoing revenue stream of renewal commissions for your brokerage.