Commissions, Payouts and Clawbacks
Last updated: July 2026
Ask a broker where their commissions live and you will usually get the same answer: a spreadsheet, maintained by one person, reconciled at the end of the month, and quietly wrong in at least two places.
That is not a tooling gap anybody chose. It is what happens when the CRM's job ends at the stage called Funded. Everything that happens after the money moves belongs to a different system, so it ends up belonging to no system.
FUNDesk treats the money as part of the deal rather than as an export.
What a funded deal actually owes
A single funded advance can generate more obligations than it looks like:
- A commission to the house, based on the funded amount and the agreed percentage.
- A split to the rep who wrote it, and sometimes to more than one rep.
- A personal service fee, which is its own line and not a slice of the rep's cut.
- Per rep participation where more than one person shares the deal.
- A payment schedule the merchant is expected to follow.
Each of those is a number somebody eventually has to be right about. In FUNDesk they are attached to the funding record, so the deal that created the obligation is the deal that carries it.
Reps see their own cut
This is the detail that decides whether a commission system gets adopted or worked around.
A rep opening the commissions view sees their own deals, their own splits, their own personal service fee share, and their own total take. They do not see the house's margin or another rep's numbers. Admins see the whole book.
Without that separation you get one of two outcomes: either the numbers stay in a spreadsheet only the owner opens, or reps see things they should not and you spend a month on it.
When a merchant stops paying
The unglamorous half of a money system is what happens when the money stops.
A merchant defaults. In most shops the commission that was already booked, and possibly already paid out, stays booked. The pipeline says the deal was worth what it was worth on the day it funded, and the number quietly stays overstated forever.
FUNDesk cascades it. A default unwinds the commission that came from it. Where a payout has already gone out, a clawback records what has to come back, drawn against the rep's payout history rather than invented. Nothing stays overstated because nobody remembered to go back and fix it.
The same discipline applies to a funding recorded in error. There is a sanctioned way to unwind one, with refusals in front of it: a funding with paid payouts, existing clawbacks, or default history will not silently delete. The system would rather stop and make a person decide than quietly destroy the history of money that actually moved.
Payroll in the same place
Payouts and payroll run in the system that closed the deal, which removes the step where somebody rebuilds the commission math in a second tool and the two disagree.
Renewals, before they go cold
The money view also surfaces the deals worth having again. Merchants paying down their advance land in a renewals queue, and FUNDesk Pilot drafts the message that reopens the conversation from the payment schedule itself.
A renewal is the cheapest deal a broker will ever write. It is also the easiest one to miss, because nothing about a merchant quietly paying on time demands anybody's attention.
The point
None of this is exciting. It is reconciliation, which is exactly why it usually gets left to a spreadsheet.
But an MCA shop is a money business. Software that runs the pipeline and abandons the ledger is doing the easier half of the job.