The Funder submits the initial offer. They can create as many variations of offers per deal as they'd like. As part of that they can set any commission they'd like.

Brokers have the opportunity to accept or counter any of the deals as well.

Brokers decide what deal they want so it's up to them to get the best deal possible for themselves and their merchants.

As for credit pulls.. it's one pull per deal. We're trying to help merchants as much as possible here.