[Winning]

What's the "industry standard" nowadays?

That may be the million dollar question..

I don't think there is an answer, due to all the variables..

For example.
Pre Covid, Paypal was doing 83 week 100K deals with 1 weekly ACH draw for a 1.06 effective rate.

With a rate that low, I am not sure how much they are able to pay the various parties involved.