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How Much Can an Equipment Finance Broker Make Per Deal?

An equipment finance broker can make a few hundred dollars on a small referral, several thousand dollars on a typical equipment transaction, or substantially more on a large funded deal.

But there is no universal commission percentage.

The payout depends on the amount financed, funding source, permitted commission, borrower and equipment profile, whether the broker works directly or through another brokerage, and the compensation terms in the written agreement.

Quick Answer: Equipment finance broker earnings per deal are usually calculated from the funded amount and the applicable commission or revenue share. For example, a hypothetical 3% gross commission on a USD $200,000 funded transaction equals USD $6,000. If the originating broker receives a 70% split, the broker's payout is USD $4,200 before operating expenses and taxes. Actual compensation varies widely.

How Do You Calculate Equipment Finance Broker Commission?

The simplest percentage-based calculation is:

Funded amount × gross commission percentage = gross broker revenue

Suppose USD $100,000 of equipment financing funds and the applicable broker compensation is 4%.

USD $100,000 × 4% = USD $4,000

That does not necessarily mean the individual broker receives USD $4,000.

If the transaction is submitted through another brokerage, a platform or a sub-broker relationship, the gross revenue may be divided.

Assume the originating broker receives 70%.

USD $4,000 × 70% = USD $2,800

And even USD $2,800 is not necessarily take-home personal income.

The broker may still have marketing costs, staff expenses, CRM expenses, referral-source compensation, taxes or other overhead.

Mehmi's Equipment Finance Broker Commission Rates Canada 2026 makes this same distinction between gross transaction economics and actual broker income. Mehmi's published Canadian benchmark is based partly on its own broker and lender training material and should not be treated as a universal market rate. (mehmigroup.com)

Is There a Standard Commission Percentage Per Equipment Deal?

No.

Public broker programs demonstrate how different the economics can be.

Ameris Bank Equipment Finance currently advertises commissions of up to 15 points through its U.S. equipment-finance broker program. Its page also makes clear that transactions remain subject to credit approval. (equipmentfinance.amerisbank.com)

TimePayment currently says authorized brokers can select a commission of up to 15% of the sale amount on applicable transactions and that the commission can be incorporated into the amount financed. Those are TimePayment's particular program terms, with exclusions—not an industry-wide commission standard. (timepayment.com)

Those examples illustrate why "equipment brokers make 15%" would be an inaccurate conclusion.

A maximum allowed by a particular funding program does not tell you:

What brokers typically select.

Whether adding more commission changes the customer's payment.

Whether the deal remains competitively priced.

Whether that maximum applies to the transaction you are submitting.

Or how much the originating broker actually keeps after a split.

The broker agreement matters more than a headline maximum.

What Could a Broker Make on a USD $50,000 Equipment Deal?

Assume purely for illustration that a USD $50,000 transaction carries a 5% gross commission.

The gross brokerage revenue is:

USD $2,500

If the individual broker has a hypothetical 70% split:

USD $1,750

If a referral partner is also owed USD $500 from the broker's portion, the originating broker is left with:

USD $1,250 before overhead and taxes

This is why small-ticket equipment deals can become a volume business.

The absolute commission from one transaction may be modest even when the percentage appears high.

Brokers who generate small-ticket business through dealers can often improve economics by building repeatable vendor channels rather than finding every borrower individually.

Mehmi's Equipment Financing Referrals: Build Partner Income explains why repeat referral flow and funding conversion can matter more than maximizing the percentage on one deal. (mehmigroup.com)

What Could a Broker Make on a USD $100,000 Equipment Deal?

Assume the funding agreement provides 4% gross broker compensation.

USD $100,000 × 4% = USD $4,000 gross

At a hypothetical 70% originating-broker split:

USD $4,000 × 70% = USD $2,800

At an 80% split, the same transaction would produce:

USD $4,000 × 80% = USD $3,200

Nothing about the borrower changed.

The difference came entirely from the broker agreement.

This is why brokers comparing partner programs should ask about both the gross compensation available and their actual split.

Mehmi's Equipment Finance Sub-Broker Program Canada explains the tradeoff: the originating broker may share economics with a platform in exchange for lender access, credit support, documentation and closing assistance. (mehmigroup.com)

What Could a Broker Make on a USD $250,000 Deal?

Larger ticket size does not necessarily mean the same commission percentage applies.

Assume an illustrative 2.5% gross commission on USD $250,000.

Gross brokerage revenue:

USD $6,250

At a hypothetical 70% split:

USD $4,375

The broker makes more dollars than in the USD $100,000 example despite using a lower percentage.

This is an important part of equipment-finance economics.

Percentage compensation can compress as transaction size rises while the absolute dollar commission still increases.

A large, clean transaction can also involve substantial work: financial statements, debt schedules, equipment valuation, ownership information, security review and closing conditions.

The broker is being paid for getting a real transaction through that process—not merely introducing a customer.

What Could a Broker Make on a USD $500,000 Deal?

Consider an illustrative 1.5% gross commission.

USD $500,000 × 1.5% = USD $7,500 gross brokerage revenue

At a hypothetical 70% split:

USD $7,500 × 70% = USD $5,250

Compare that with the hypothetical USD $50,000 deal at 5%.

The USD $500,000 transaction produces three times as much gross commission even though the percentage is substantially lower.

That is why serious brokers look at:

funded dollars × achievable economics × closing rate

rather than simply asking which lender lets them charge the most points.

Illustrative Full Transaction: USD $200,000 Equipment Financing

Now consider the borrower and broker economics together.

Assume a U.S. business is financing USD $200,000 of commercial equipment.

For illustration only:

Amount financed: USD $200,000

Assumed fixed annual interest rate: 10.50%

Term: 60 months

Payment frequency: Monthly

Assumed financing/origination fee: 1.00%, or USD $2,000, paid separately

Balloon: None

Using standard amortization, the estimated monthly principal-and-interest payment is approximately USD $4,298.78.

Across 60 scheduled payments, total principal-and-interest repayment is approximately USD $257,926.80.

That includes approximately USD $57,926.80 of interest.

Including the separate assumed USD $2,000 financing fee, total financing cost above the USD $200,000 principal is approximately USD $59,926.80.

The example excludes sales tax, insurance, UCC expenses, title or registration charges, legal costs, inspections, maintenance, late fees, prepayment charges and other transaction-specific costs.

This is a mathematical illustration only. It is not a Mehmi Financial Group rate, financing offer, approval or customer result.

Now consider the broker economics separately.

Assume the broker agreement allows 3% gross compensation on funded principal.

USD $200,000 × 3% = USD $6,000 gross brokerage revenue

If the broker works through a platform and receives a hypothetical 70% split:

USD $6,000 × 70% = USD $4,200 before operating expenses and taxes

If the broker acquired the client through paid marketing that cost USD $800 and paid a referring source another USD $500 from the broker's portion, simplified deal-level economics would fall to:

USD $4,200
minus USD $800
minus USD $500
= USD $2,900 before other overhead and taxes

That is why a USD $6,000 "commission" can turn into materially less personal income.

From the borrower's side, suppose the machine is expected to generate USD $9,000 per month of additional contribution margin but also adds USD $2,000 per month of labor, maintenance and other incremental operating costs.

After the illustrative equipment payment:

USD $9,000
minus USD $2,000
minus USD $4,298.78
= approximately USD $2,701.22

That cash-flow result matters more than the broker's commission.

If the equipment transaction does not work economically for the business, the broker should not increase the client's payment merely to maximize broker revenue.

Why Can Two Brokers Make Different Amounts on the Same Deal Size?

Because funded amount is only one variable.

Different funding partners

One lender or lessor may permit different compensation from another.

Different pricing

Broker compensation can interact with customer pricing in some programs.

TimePayment, for example, publicly states that its authorized brokers can choose commission within its program limits and roll that commission into the amount financed. (timepayment.com)

A broker should therefore understand whether increasing compensation changes the customer's transaction economics.

Different broker splits

One broker may work directly with the financing provider.

Another may originate through a brokerage and receive a share of the gross revenue.

The second broker may make less per transaction while benefiting from broader lender access or backend support.

Different referral obligations

The originating broker may owe part of the revenue to the person who sourced the customer.

Different transaction types

Dealer purchases, private sales, refinances and sale-leasebacks can require different amounts of work and different funding relationships.

Mehmi's Private-Sale Equipment Financing Referrals: Get Paid explains why private-sale files can require additional seller verification, ownership evidence, lien review and funding conditions before the commission is actually earned. (mehmigroup.com)

Is a Referral Fee the Same as a Broker Commission?

Not necessarily.

A pure referral partner typically performs a narrower role.

The partner identifies the customer, obtains the appropriate consent and makes the introduction.

A broker generally performs more of the financing work.

That can include understanding the transaction, gathering the initial package, selecting an appropriate funding source, explaining the file to credit and managing conditions through closing.

Mehmi's Equipment Financing Referral Partner Program Canada describes the referral role as an introduction model rather than full underwriting or brokerage. (mehmigroup.com)

The written agreement should define exactly how each role gets paid.

Do not assume a warm introduction deserves the same payout as originating and closing a complex equipment transaction.

When Does the Broker Get Paid?

Usually after the transaction reaches the payout event defined by the broker agreement.

In many programs, that means funding.

Not application.

Not prequalification.

And not necessarily conditional approval.

A deal may still be waiting for:

• Signed documents
• Customer contribution
• Insurance
• Final equipment invoice
• Serial number or VIN
• Seller verification
• Existing lien payoff
• Proof of delivery
• Customer acceptance

Until those conditions are completed, commission revenue may remain hypothetical.

Mehmi's Broker Partner Portal Canada: Submit, Track, Get Paid explains why a broker system should distinguish submitted, approved, funded and commission-paid status. (mehmigroup.com)

This distinction is one of the most important lessons for new brokers:

Approvals build pipeline. Fundings create revenue.

Can a Broker Lose Commission After Funding?

Potentially.

Read the agreement's clawback or chargeback provisions.

Possible triggers can include a transaction being rescinded, fraud or material misrepresentation, an early contract failure under specified circumstances, equipment-delivery problems or another event defined by the program.

The rules vary.

Do not assume every program has the same clawback period or trigger.

Mehmi's Financing Referral Agreement Canada: What to Check recommends reviewing funded definitions, payout timing, attribution, chargebacks and termination rights before sending business through a partner. (mehmigroup.com)

This can materially change what a seemingly attractive commission is actually worth.

Does Broker Compensation Affect the Customer's Rate?

It can, depending on the program.

Some lender-paid compensation is incorporated into the economics of the financing.

Some providers permit brokers to add commission or points within defined limits.

Other arrangements operate differently.

The responsible approach is not to claim that broker compensation is "free" to the borrower.

Mehmi's current public disclaimer says it may receive commissions, referral compensation, brokerage compensation or other remuneration from financing providers or partners, and that compensation arrangements vary by provider and product. It also states that any client-paid brokerage fee, where applicable, must be separately disclosed and lawful. (mehmigroup.com)

Compare the customer's total economics, not only what the broker earns.

Why Can a Lower Commission Produce More Broker Income?

Because closing rate matters.

Imagine two funding relationships.

Provider A allows 6% gross commission, but only 20% of your submitted files actually fit its credit box.

Provider B allows 3%, but you understand the program well and 70% of your properly qualified submissions fund.

The theoretical maximum per transaction is less important than the amount of qualified business that actually closes.

This is also why lender matching matters.

Mehmi's Broker Co-Brokering Program for Declined Deals explains why moving a declined file into a second-look channel should involve restructuring or different lender fit rather than simply submitting the same application repeatedly. (mehmigroup.com)

Fundability is commission protection.

How Can Equipment Brokers Increase Earnings Per Deal Without Overcharging Clients?

Increase the amount of value you create.

Improve qualification.

Know which financing providers fit specific equipment and borrower profiles.

Submit complete documentation.

Identify lien problems before funding.

Understand private-sale requirements.

Explain the transaction clearly to credit.

Develop vendor channels.

And reduce deals that receive approval but die before funding.

Brokers wanting to build those skills can start with Mehmi's How to Become an Equipment Finance Broker in Canada, which focuses on lender matching, credit understanding, packaging and closing rather than just commission percentages. (mehmigroup.com)

Better execution can increase annual income without adding another point to every client's transaction.

Is Broker Pay Different in Canada and the United States?

Yes.

Do not apply one U.S. funding source's compensation program directly to Canadian transactions.

Mehmi's current Canada-focused commission article uses a broad 3% to 7.5% gross benchmark for smaller and mid-sized equipment broker-channel transactions, based partly on Mehmi's own internal training material, and notes that percentages tend to compress on larger and cleaner transactions. It explicitly describes those numbers as benchmarks rather than promises. (mehmigroup.com)

In the United States, public program economics can be structured differently, as the Ameris Bank Equipment Finance and TimePayment examples demonstrate.

Taxes, disclosures, brokerage requirements and permitted compensation can also depend on the jurisdiction.

Therefore, "What percentage do equipment brokers make?" is incomplete without asking:

Which country? Which state or province? Which funding provider? Which transaction? Which broker agreement?

Frequently Asked Questions About Equipment Finance Broker Earnings

How much does a broker make on a USD $100,000 equipment deal?

It depends on the compensation agreement. At an illustrative 4% gross commission, gross brokerage revenue would be USD $4,000. If the broker receives 70% of that revenue, the hypothetical payout would be USD $2,800 before overhead and taxes.

How much does a broker make on a USD $500,000 deal?

Using a purely illustrative 1.5% gross commission, gross brokerage revenue would be USD $7,500. A different lender, structure or brokerage agreement could produce materially different economics.

Is 10% commission possible in equipment financing?

Some public U.S. broker programs currently advertise maximum permitted compensation above 10%. Ameris advertises up to 15 points, and TimePayment advertises commissions up to 15% of sale amount on applicable transactions. Those are provider-specific maximums, not evidence that a 10% commission is standard.

Does a broker receive the entire commission?

Not always. A broker may have a brokerage split, referral-source payment, platform share or other contractual deductions. Review the agreement before calculating expected income.

Do brokers get paid on approved or funded deals?

Follow the agreement, but funded transactions are the more common payout trigger in the Mehmi partner materials reviewed for this article. Approval can still contain conditions that prevent the transaction from closing. (mehmigroup.com)

Can an equipment finance broker charge the customer a separate fee?

Potentially in some transactions and jurisdictions, but it should never be assumed. Mehmi's current policy states that any client-paid brokerage fee, if applicable, must be separately disclosed and charged only where lawful. (mehmigroup.com)

Do bigger deals always mean bigger commissions?

Not necessarily, although they can produce larger absolute revenue. Compensation percentages can decline as deal size increases. The lender's permitted compensation, borrower quality, competition and broker agreement all affect the final result.

What matters most for annual broker income?

Funded volume, gross compensation, your actual split, cost of acquiring customers, operating expenses and how consistently approved transactions reach funding. The largest theoretical commission percentage does not necessarily create the strongest brokerage.

Discuss an Equipment Finance Broker Partnership

The most useful question is not simply:

"How many points can I make?"

It is:

How much funded volume can I close at economics that remain appropriate for the customer?

Mehmi Financial Group operates as a commercial financing brokerage and intermediary rather than a direct lender. Its current disclaimer confirms that compensation arrangements can vary between financing providers and products. (mehmigroup.com)

To discuss an equipment-finance broker, sub-broker or referral relationship, call 833-863-4644 or use the verified Mehmi Financial Group contact page. The current contact page confirms the toll-free number. (mehmigroup.com)

Be prepared to discuss your typical financing amount, whether transactions are in the United States or Canada, the relevant states or provinces, the type of equipment and use of funds, and expected deal timing and volume.

Those details determine far more about earning potential than one headline commission percentage.

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