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White-Label Pricing Calculator

Calculate profitability of white-label funding platforms based on fees, volume, and markup.

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What Is White-Label MCA Funding?

A white-label funding platform allows an ISO to present funding offers under their own brand while a backend funder provides the capital and servicing. Instead of telling merchants "we work with Funder X," you present offers as "MyISO Capital." The merchant experience is entirely branded to you. The platform provider charges a monthly fee and/or per-deal fee, and you add your markup to the buy rate. The economics work when your markup revenue exceeds the platform costs and provides sufficient margin. White-label positioning upgrades your brand from "broker" to "funder" in the merchant's eyes, which can improve close rates and merchant retention. The tradeoff is the fixed platform cost, which requires consistent deal volume to justify.

How to Use This Calculator

Enter the platform cost structure

White-label platforms typically charge a monthly subscription ($1,000-$5,000/month) plus a per-deal fee ($100-$500). Some charge only per-deal with no monthly minimum.

Enter your volume and markup

Your markup is the factor rate points you add above the platform's buy rate. A 0.08 markup on $100K deals generates $8,000 per deal in spread revenue.

Review profitability and breakeven

The breakeven tells you the minimum deals per month to cover platform costs. Below breakeven, you are paying for a platform you cannot justify. Above breakeven, every additional deal is high-margin revenue.

Key Concepts

White-Label Platform

A technology and funding infrastructure that allows ISOs to present funding offers under their own brand. The ISO controls the merchant relationship while the platform handles capital, underwriting, and collections.

Platform Markup

The factor rate points the ISO adds above the platform's buy rate. This is the ISO's primary revenue source on white-label deals, replacing traditional commission.

Breakeven Volume

The number of monthly deals needed for markup revenue to exceed fixed platform costs. Below breakeven, the platform loses money.

Expert Insights

Brand Value of White-Label: Merchants trust "funders" more than "brokers." A white-label operation positions you as the funding source, even though capital comes from behind the scenes. This perception shift increases merchant loyalty, reduces the risk of them shopping your offer with competitors, and commands premium pricing. The brand value alone can justify the platform cost.

Hybrid Model: White-Label + Traditional Brokering: You do not have to go all-in on white-label. Many ISOs use white-label for their core merchant base (renewals, referrals, inbound leads) where brand matters, and traditional brokering for one-off deals where the merchant does not care about the funder brand. This hybrid approach covers platform costs while maintaining deal flexibility.

Frequently Asked Questions

It depends on platform costs and markup. At $2,000/month fixed cost and 8-point markup on $100K average deals, breakeven is less than 1 deal per month. At $5,000/month with lower average deal sizes, you might need 5-8 deals. Run the exact numbers with your specific platform and deal profile.

In a true white-label arrangement, no. Agreements, communications, and portals are all branded to your company. The backend funder is invisible to the merchant. Some platforms offer partial white-labeling (co-branded) at lower cost.

Existing deals remain with the current platform until repaid. Future deals can go to the new platform. The merchant relationship stays with you. However, transitioning platforms can cause service disruptions, so evaluate platforms carefully before committing.

Results are estimates for educational purposes only. Actual amounts may vary based on your specific financial situation, market conditions, and other factors. This calculator does not constitute financial advice.