Commission Structure
How brokers earn with MoneyMatcher - transparent, competitive, and paid on time.
How Broker Commissions Work
When you close a deal through MoneyMatcher, you earn a percentage of the loan amount. Commissions are paid by the lender and built into the borrower's closing costs.
Commission Flow
Lender funds loan → Lender pays MoneyMatcher → MoneyMatcher pays you
Timeline: Commissions are wired within 5-7 business days of loan funding.
Standard Commission Rates
| Loan Type | Commission Range | Typical Rate |
|---|---|---|
| DSCR Loans | 1.00% - 2.00% | 1.50% |
| Fix & Flip | 1.50% - 2.50% | 2.00% |
| Bridge Loans | 1.50% - 2.50% | 2.00% |
| Hard Money | 2.00% - 3.00% | 2.50% |
| Construction | 1.50% - 2.50% | 2.00% |
| Commercial | 0.75% - 1.50% | 1.00% |
| Conventional | 0.50% - 1.00% | 0.75% |
Rates vary by lender, loan size, and deal complexity
Commission Examples
Example 1: DSCR Rental Loan
| Detail | Amount |
|---|---|
| Loan Amount | $450,000 |
| Commission Rate | 1.5% |
| Your Commission | $6,750 |
Example 2: Fix & Flip Loan
| Detail | Amount |
|---|---|
| Loan Amount | $320,000 |
| Commission Rate | 2.0% |
| Your Commission | $6,400 |
Example 3: Construction Loan
| Detail | Amount |
|---|---|
| Loan Amount | $1,200,000 |
| Commission Rate | 1.75% |
| Your Commission | $21,000 |
Volume Bonuses
Close more deals, earn higher rates:
| Monthly Volume | Bonus |
|---|---|
| $1M - $2.5M | +0.10% on all deals |
| $2.5M - $5M | +0.15% on all deals |
| $5M - $10M | +0.20% on all deals |
| $10M+ | +0.25% on all deals + dedicated support |
Example: Closing $3M/month adds 0.15% to all commissions. On a $500K loan at 1.5% base, you'd earn 1.65% = $8,250 instead of $7,500.
MoneyMatcher Fee Structure
We believe in transparency. Here's how fees work:
Platform Fee
MoneyMatcher charges lenders a platform fee (not brokers). This is built into the lender's pricing and does not reduce your commission.
No Hidden Fees
- ✅ No monthly subscription
- ✅ No per-deal fees
- ✅ No technology fees
- ✅ No training fees
- ✅ Your quoted commission is your commission
Getting Paid
Payment Methods
| Method | Processing Time | Minimum |
|---|---|---|
| ACH Direct Deposit | 2-3 business days | No minimum |
| Wire Transfer | Same day | $5,000+ |
| Check | 5-7 business days | No minimum |
Payment Schedule
- Loan closes and funds
- Lender sends commission to MoneyMatcher (3-5 days)
- MoneyMatcher processes payment (1-2 days)
- Funds arrive in your account (depends on method)
Total time: 5-10 business days from funding
Commission Tracking
In your broker portal:
- See pending commissions by deal
- Track payment status
- View payment history
- Download commission statements
- Generate 1099 reports
Split Commissions
Working with a team? Set up automatic splits:
Team Splits
- Define percentage splits per user
- Automatic calculation on each deal
- Individual payment tracking
- Separate commission statements
Referral Splits
- Pay referral fees to other brokers
- Track referral source per deal
- Automatic split processing
Tax Considerations
1099 Reporting
- MoneyMatcher issues 1099-MISC for earnings over $600
- Available in your portal by January 31st
- Electronic or paper delivery options
Business Entity
Most brokers operate as:
- Sole proprietor
- LLC
- S-Corp
Consult your tax advisor for the best structure
Deductible Expenses
Common broker deductions:
- Marketing costs
- Software subscriptions
- Travel for closings
- Home office
- Continuing education
Maximizing Your Earnings
Higher Commission Strategies
-
Larger Loans
- Focus on $500K+ deals
- Same effort, bigger paychecks
-
Higher-Commission Loan Types
- Fix-flip and hard money pay more
- Construction loans have larger amounts
-
Volume Bonuses
- Consistent monthly closings unlock bonuses
- Team up to hit tier thresholds
-
Negotiate with Lenders
- Some lenders offer higher splits for volume
- Build relationships with account executives
-
Add Value Services
- Charge borrowers for consulting
- Offer rate lock buydowns
Commission Calculator
Estimate your earnings:
Monthly Deals × Average Loan Size × Commission Rate = Monthly Income
| Scenario | Deals/Month | Avg. Size | Rate | Monthly Income |
|---|---|---|---|---|
| Part-Time | 2 | $400K | 1.5% | $12,000 |
| Full-Time | 5 | $500K | 1.75% | $43,750 |
| Team | 15 | $600K | 2.0% | $180,000 |
Frequently Asked Questions
When do I get paid?
5-10 business days after the loan funds.
What if a loan falls through after I've been paid?
Commission clawbacks only apply to loans that are rescinded within the regulatory period (typically 3 days for consumer loans). Business purpose loans have no clawback.
Can I charge the borrower additional fees?
Yes, you can charge reasonable broker fees directly to the borrower. These must be disclosed. Typical range: 0.5% - 1.0%.
What if I bring a deal to multiple lenders?
You earn commission from whichever lender funds the deal. Shopping your deal to multiple lenders is encouraged.
Is there a cap on commissions?
No cap. The more you close, the more you earn.
Ready to Start Earning?
Questions? Contact broker-support@moneymatcher.io