[abfunders]

No funder should have a say in what you charge. Funders charge origination so sometimes it's best to add your fees to the origination fee and collect it that way .
Jstrelzik@flashadvance.com 305-785-2548
Direct Funder

If you add fees onto a lender or funder, especially high ones, that can totally change their underwriting on the feasibility of payback.
The MCA is a 90 day deal, If some broker goes and adds on 5-10% fees, and the client doesn't net as much, that can really change the affordability.

I agree, the funder should be "in" on it, and put everything on the closing docs / contracts if the broker wants to add extra fees.
However, I know that most lenders/funders do it like Kevin (i.e. assume that there's enough money for the broker in their payoffs), and other funders/lenders just assume PSFs are going to be charged and don't care.
However, a funder can do whatever they want.... they can even sue you for violation of their ISO agreement if it says "no additional fees."

I personally do fee agreements on a case-by-case basis. Almost all residential mortgage brokers do that, and they even charge for approval, not just funding, since they aren't paid by the lender at all. In such a case, they're actually working for the client and not "double dipping."

For me, it depends on the client, and never on an MCA, but I very often try to set up a success / fee agreement with my clients, but they know that from the beginning, not sprung on them in the end last minute, and always with the lender's agreement.