Loan brokers have two commission problems, and most "commission tracking software" only solves one of them. The first is money coming in: what each lender owes you on each funded deal, whether it arrived, and what gets clawed back if a merchant defaults early. The second is money going out: what you owe each rep, partner and manager after splits and overrides.
Tools like QuotaPath, CaptivateIQ and Spiff are good at the second problem. They're generic sales-compensation products built for paying internal reps from closed deals, and none of them describes tracking what a lender owes a broker. Broker CRMs with built-in commission tracking handle both, but they're a bigger switch. This guide covers both routes, with prices checked October 24, 2026. Our top pick is Ferrylend, because it tracks what each lender owes you, clawbacks included, and what each rep is owed on the same funded deal.
Here's the TLDR (prices checked October 24, 2026):
- Ferrylend (our pick): Best for small broker shops that want lender commissions (expected vs received, clawbacks) and rep splits on the deal record. $69 or $99/user/month. It tracks payouts but doesn't connect to payroll or accounting yet (QuickBooks is coming soon).
- NextLevel MCA: Best for MCA shops on GoHighLevel that need manager overrides. From $597/month for up to 2 users.
- Cloudsquare Broker: Best for Salesforce shops reconciling "promised versus paid". From $75/user/month plus Salesforce.
- MCA Pilot: Best for MCA shops that also want funder API submissions. $499/month base plus $99 per added user.
- QuotaPath: Best for rep payouts on a general CRM with 5 or more reps. $525/month platform fee plus $35/user beyond five, billed annually.
- Salesforce Spiff: Best for rep commissions inside Salesforce. $75/user/month, annual contract.
- CaptivateIQ: Best for larger lenders and financial institutions with complex comp plans. Quote only.
Quick comparison
| Tool | Type | Lender commissions owed to you | Rep splits and payouts | Price (Oct 24, 2026) |
|---|---|---|---|---|
| Ferrylend | Broker CRM | Yes: expected vs received, clawbacks, statement CSV matching | Rep and partner splits, payouts screen | $69 / $99 per user/mo |
| NextLevel MCA | Broker CRM on GoHighLevel | Yes: lender commissions | Rep splits, manager overrides | $597 / $747 / $1,197 per month by team size |
| Cloudsquare Broker | Broker CRM on Salesforce | Yes: "promised versus paid" | Not detailed | From $75/user/mo + Salesforce |
| MCA Pilot | Broker CRM | Commission math | Split math | $499/mo + $99/user |
| QuotaPath | Sales comp | Not described | Yes, with approvals to payroll | $525/mo platform fee + $35/user, annual |
| Salesforce Spiff | Sales comp | Not described | Yes, with rep statements and disputes | $75/user/mo, annual |
| CaptivateIQ | Sales comp | Not described | Yes, plus quotas and territories | Not published, plus setup fee |
1. Ferrylend
Ferrylend is a CRM for MCA and business-funding brokers where commissions sit on the funded deal. Each commission has a type (base, upsell, renewal, fee or clawback) and a status (expected, received, disputed, clawed back or void), with rep and partner splits and a payouts screen. You can upload a lender's commission statement as a CSV (up to 5 MB) and it's auto-matched to funded deals, which is the step most shops do by hand in a spreadsheet.
Commission starts earlier, too: the offer calculator shows your commission on each offer, including base plus upsell points between buy and sell rate, calculated on the advance, net or payback. In the sample-data tour on Ferrylend's homepage, a funded deal's commission card reads "$4,400 · 8 points on $55,000", split 50% rep and 50% house, marked Received.
Pricing: commission tracking is in the Core plan, $69/user/month ($59 billed annually); Pro is $99 ($84 annually) and adds advanced reports, including the rep leaderboard ($49/mo as an add-on on Core). See the Core and Pro plan details. A $999 setup fee is waived for workspaces created through December 31, 2026. No free trial, but there's a sample workspace with deals and commissions to click through (no signup; asks for a work email to start).
Limits: Ferrylend is newer, and we found no reviews on G2, Capterra or Trustpilot as of October 2026. Its list of integrations that work today has no payroll or accounting tool (QuickBooks is listed as coming soon), it has no SOC 2 report, and it doesn't do ACH servicing, syndication or merchant debits, so funders paying ISOs by ACH need a funder platform. More in our Ferrylend review.
Pick it if: you're a broker shop whose real problem is knowing which lender payments arrived and what each rep is owed, and you want that in the same system as submissions and offers.
2. NextLevel MCA
NextLevel MCA is an MCA deal desk that runs inside a GoHighLevel account it sets up for you. Its features page lists "Lender commissions, rep commission splits and manager overrides", plus renewal-ready flags at your paid-in threshold. Overrides matter if you have team leads who earn on their reps' deals.
Pricing: per team-size band on its pricing page: $597/month for up to 2 users, $747 for up to 6, $1,197 for up to 12, with a 14-day trial (card at signup) and no setup fee. Calling, texting, email and AI usage are billed on top. Pick it if: you want GoHighLevel's texting and calling with MCA commissions built in.
3. Cloudsquare Broker
Cloudsquare's Salesforce-based broker product includes commission reconciliation ("promised versus paid"), paydown monitoring and a renewal pipeline, per its homepage. It starts at $75/user/month, and you buy the Salesforce license separately. Because it runs on Salesforce, you could add Spiff (below) for rep payouts. Pick it if: you're on Salesforce already and want lender-side reconciliation inside it.
4. MCA Pilot
MCA Pilot is a broker CRM centered on 20 direct funder API integrations, with "commission & split math" and renewal tracking from paid-in percentage included. Its single plan is $499/month for the first user, then $99 per user for users 2 to 10, with a 15-day trial (card required). Five users come to $895/month. Its pages don't go into commission detail beyond that line, so ask how it handles clawbacks on a demo. Pick it if: API submissions are your priority and you want commission math in the same place.
5. QuotaPath
QuotaPath calculates reps' commissions from CRM deal data and runs approvals through to payouts. It has an AI plan builder, unlimited custom plans, commission forecasting, overrides and discrepancy resolution, leaderboards, and ledger and ASC 606 support. Growth integrates with HubSpot, Salesforce, Zoho, Pipedrive, Close and others, plus Google Sheets and Excel.
Pricing: per its pricing page, Growth is $35/user/month plus a $525/month platform fee that covers the first five users, and Premium is $50/user/month plus $800/month, both billed annually. So the smallest Growth account is at least $525/month, about $6,300 a year. Implementation is included but averages 45 to 60 days on Growth.
Limits: it's built for paying internal reps, and nothing on its pages describes tracking what a lender owes the broker or clawbacks from early defaults. There are no loan-broker templates. Pick it if: you have 5 or more reps on a CRM it integrates with and rep payouts are a spreadsheet mess.
6. Salesforce Spiff
Spiff is Salesforce's commission tool: a commission estimator, plan designer, real-time rep statements, in-app disputes, approvals and audit trails. It's $75/user/month billed annually on its pricing page, with an annual contract and no trial. Connecting a non-Salesforce system costs $250 per connector per month. Like QuotaPath, it's built for internal reps, not lender receivables. Pick it if: your shop already runs on Salesforce, including a Salesforce-based lending CRM.
7. CaptivateIQ
CaptivateIQ is an enterprise incentive compensation platform with commissions, quota and territory planning, and AI assistants. Its financial services page mentions commercial lending teams and banks, but nothing for loan brokers or ISOs. Pricing is per seat (admins plus every payee) on a custom quote, with a one-time setup fee. Pick it if: you're a larger lender with many payees and territories. For a small brokerage it's overkill.
Other options brokers ask about
- MCA Suite tracks commissions payable and receivable with a scheduled-vs-settled comparison, but its site looks dormant (copyright 2022, last news post May 2024). See our MCA Suite alternatives.
- FundingTracker offers a broker view with commissions and renewals that it says is free for brokers, but it depends on merchants joining and its pricing terms are inconsistent across the site.
- Lendflow for Brokers tracks commission per closed deal, but only for deals sent through its own lender network.
- Funder platforms such as MCA Track and OrgMeter track ISO and broker commissions from the funder's side, which is useful if you fund deals.
How to track commissions as a loan broker
Whatever tool you use, the process is the same:
- Record the expected commission when the offer is accepted, with how it's calculated (points on the advance, net or payback, plus any upsell).
- Mark it received when the lender pays, and match it against the lender's commission statement, not your memory.
- Track clawbacks as their own entries, tied to the original deal, so net commission is always visible.
- Apply splits to what was actually received, not what was expected, before paying reps and partners.
- Log renewals separately, since renewal commissions may be paid on different terms.
- Review disputes monthly: anything expected for more than a month without payment needs a call to the lender.
A spreadsheet can do this for a handful of deals. It breaks when several reps share deals, lenders pay on different schedules, and clawbacks arrive months later.
How to choose
- Your problem is lender payments and clawbacks: a broker CRM with commissions built in (Ferrylend, NextLevel MCA, Cloudsquare Broker, MCA Pilot). A sales-comp tool won't fix it.
- Your problem is paying a large rep team and you're keeping your CRM: QuotaPath on a general CRM, or Spiff on Salesforce.
- You're small: QuotaPath's $525/month floor costs more than five seats of some full broker CRMs. Our MCA CRM pricing comparison has the numbers, and our picks for small funding shops covers teams of 1 to 10.
- You run HubSpot, Salesforce or Pipedrive: our HubSpot vs Salesforce vs Pipedrive comparison covers what you'd have to build for lender commissions.
FAQ
What is commission tracking software?
Software that calculates commissions from deal data and tracks them through to payment. Most products on the market are built for paying a company's own sales reps; loan brokers also need to track commissions owed to them by lenders.
Can QuotaPath track lender commissions for brokers?
Its pages don't describe it. QuotaPath is built to calculate and pay internal reps from closed CRM deals, and it has no loan-broker templates or lending integrations.
How much does commission tracking software cost?
For sales-comp tools: QuotaPath from $525/month (annual), Spiff $75/user/month (annual), CaptivateIQ by quote. Broker CRMs that include commission tracking with the rest of the CRM start at $69/user/month (Ferrylend Core) and go up to plan pricing like NextLevel MCA's $597/month.
How do brokers handle commission clawbacks?
Record the clawback as its own entry against the original funded deal, reduce the rep's split accordingly, and keep the lender's notice with the deal. Ferrylend has a dedicated clawback type and status; with a general tool you'd need a custom field.
Start by deciding which side of the problem costs you more: money you can't see coming in, or time spent working out what reps are owed. That answer picks the category, and the category narrows the list fast. Gold Penguin's Ferrylend directory listing and the best MCA CRM roundup are good next stops.
Disclosure: Ferrylend is made by Digital Mundo, a separate company with the same owner as Gold Penguin. We rank it first, and we've kept its drawbacks in plain view.
