OP, if you're funding 50% of your approvals you should be making 6 figures. If I were you, my concern would be my average deal size being only $13k. Either you're not getting strong enough leads and should demand better (or go somewhere that can provide them), or you're not closing the larger deals and need to fix why you're only appealing to the smaller / lower quality merchants. The split seems low if you're commission only (you didn't specify) but it'll be hard to make real money funding $120k/mo even if you fix that.