White Label MCA
White label MCA is a partnership structure where a funder provides MCA capital and infrastructure under a partner's brand — allowing distribution partners (ISOs, banks, software platforms) to offer MCA products as their own without operating funder infrastructure.
Why This Matters
White label arrangements expand MCA distribution into channels that would otherwise require building underwriting and capital deployment from scratch. A vertical SaaS platform serving restaurants might offer 'capital powered by [White Label Funder]' to its merchant base. The platform handles customer relationship and marketing; the funder handles underwriting, capital, and collections. Revenue splits vary — typical arrangements include origination fee splits (1-3% of funded), residual revenue shares (10-25% of factor margin), or per-deal flat fees.
Example
Restaurant POS company integrates white-label MCA into its software. Customers see 'Get Funding' button in dashboard, apply within the platform interface. Underwriting and funding handled by partner funder under POS company branding. POS company earns 2% origination fee plus 15% factor revenue share. Funder accesses POS company's 50,000 merchant customer base.
Frequently Asked Questions
Frequently Asked Questions
Who offers MCA white label programs?
Most major MCA funders offer some white-label arrangements for substantial partners. Specialty white-label funders focus exclusively on this distribution model, optimizing infrastructure for embedded partnerships rather than direct-to-merchant marketing.
What's the typical white label revenue split?
Origination fees of 1-3% to the distribution partner. Factor revenue shares of 10-25%. Per-deal flat fees of $200-$500 in some structures. Specific terms negotiated per partnership based on volume commitment, customer quality, and operational integration depth.