ISO/Broker Network
An ISO/broker network is the collective ecosystem of independent sales organizations and individual brokers reselling MCA funding products — a major distribution channel structure where funders source significant portions of their funded deal volume through network partners rather than direct origination.
Why This Matters
Network distribution defines MCA market structure. Major funders (OnDeck, Kabbage, Forward Financing, Credibly) source 50-80% of funded deal volume through ISO/broker networks rather than direct origination. The model: networks aggregate broker submissions through portal infrastructure, providing brokers funder access at competitive buy rates while taking override commissions or processing fees. Major networks include Funder Intel, MCA Group, ABLfunding, and various boutique master ISOs. Network strength correlates with funded volume — large networks negotiate preferential funder terms unavailable to independent brokers.
Frequently Asked Questions
Frequently Asked Questions
How do MCA funders benefit from ISO/broker networks?
Distribution scale without direct sales investment — networks bring deal flow at marginal cost beyond network commission. Geographic and industry coverage that direct sales teams couldn't economically replicate. Risk diversification across multiple origination sources.
Should new MCA brokers join networks or work direct funder relationships?
Networks offer faster path to revenue (immediate funder access without volume requirements for direct relationships). Direct relationships offer better long-term economics at scale (typically $1M+ monthly funded volume). Most successful brokers blend both — network access for early-stage volume, direct relationships as volume scales.