MCA Staffing & Profit Calculator
Short answer: a funder receiving 10 packages a day at a 35% approval and 40% funded rate funds about 30 deals a month — and needs a 2-analyst team to process it. Size your team, cost, and projected profit below; brokers, flip the toggle.
Your operation
Advanced assumptions
Defaults reflect a representative Procizo client operation — adjust everything.
Monthly projection
The team this volume needs
*Based on an average of $10/hr per analyst; actual costs may vary depending on role complexity and the number of analysts engaged. Projections are educational estimates, not an offer or quote.
Every formula this calculator uses
Deal flow
Daily approvals = packages × approval rate. Daily funded = approvals × funded rate. Ten packages at 35% and 40% is 1.4 funded deals a day — about 30 a month.
Team size
Each role has a real capacity: a scrubber handles ~10 packages a day, an underwriter ~25. Specialist roles — final underwriting, ISO relationship management, merchant interviews — activate as your volume crosses their thresholds.
Profit
Revenue (net of ISO commission) minus the delivery team cost* and other operating expenses. At the default profile that is roughly $163k/month on $450k funded.
Team and profit at four volumes
| Packages/day | Funded/mo | Analyst team | Team cost*/mo | Projected profit/mo |
|---|
*Average $10/hr per analyst; approval 35%, funded 40%, $15,000 average deal, 49% factor revenue, 10% ISO commission, 6% opex. Computed live by this page’s own engine.
Staffing and cost questions, answered directly
How many underwriters does an MCA funder need?
A working benchmark: one file scrubber per ~10 packages per day and one underwriter per ~25 packages per day, with a dedicated final underwriter for fraud and document review once you pass about 5 approvals a day. A funder receiving 10 packages daily runs well on a 2-analyst team; at 50 packages daily the same math calls for roughly 7–9 analysts across roles.
What does an outsourced MCA underwriting team cost?
Modeled here at an average of $10 per analyst-hour; a 2-analyst team working 9-hour days costs roughly $3,900 a month. Actual pricing varies with role complexity and team size — for comparison, published salary data puts one US-based MCA underwriter around $78,000–79,000 a year before benefits.
What is a factor rate, and what does 49% factor revenue mean?
A factor rate is the flat multiplier that sets total payback — a 1.49 factor on $15,000 returns $22,350. Expressed as revenue, that same deal yields 49% of the funded amount before commissions and costs.
How do brokers get paid on an MCA?
Brokers typically earn 3–8 points on the funded amount, up to 10–15 with upsells, paid at funding. Eight points on eight $15,000 deals a month is $9,600 in monthly commission.
Who runs the underwriting if I outsource it?
A trained analyst team working to your credit box, with US-based management and quality oversight. See our outsourced MCA underwriting services or compare options in our provider guide.
Educational estimates only — not an offer, quote, or financial advice. Page maintained by Procizo Outsourcing LLC, Atlanta, GA. Last updated August 6, 2026.