How we work
How We Get Paid
Who pays an intermediary in business funding, how much, and at what point — written so you can interrogate us the same way you should interrogate anyone else asking you to sign.
Who pays the broker in a business funding deal?
In most small-business funding, the intermediary is paid a commission by the funder out of the transaction rather than by the business writing a separate check — which means the cost usually sits inside what you repay, not beside it. The only figure that settles it for your deal is the total you repay across the full term. Ask for that in dollars, in writing, before you sign.
Why this page exists
You are being asked to sign a financial agreement by someone whose income depends on you signing it. That is true of every broker, including this one, and the honest response to it is not to pretend the incentive does not exist. It is to put the incentive on the table so you can weigh our advice with it in view.
This page is therefore written to be useful even if you never call us. Most of it is about how compensation works in this market and what to ask about it. The part specific to Ovesture is short, and where we have not yet published something, it says so rather than filling the gap with reassurance.
The three ways an intermediary gets paid in this market
There is no mystery to the structures, only to which one you are in. Broadly there are three, and a deal can combine them.
- Paid by the funder, out of the transaction. The most common arrangement in small-business funding. The funder pays the intermediary a commission for bringing and packaging the deal. You do not write a separate check, which is why this is often described to business owners as "free". It is not free: the commission is generally part of what the transaction costs, and it shows up in the total you repay rather than as a line you pay directly.
- Paid by you, directly. A fee charged to the business, at application, at closing, or as a percentage of what is funded. This is the transparent version in one sense — you see the number — and the riskier one in another, because a fee taken before anything funds is a fee you can pay for nothing.
- Paid on an ongoing or contingent basis. Servicing fees, renewal commissions when you take the next advance, or success fees tied to an outcome. The thing to notice here is what the arrangement rewards: an intermediary paid on renewals has an interest in you needing another advance.
Every one of these can be run honestly. What makes a deal bad is not the structure, it is the structure being unclear to the person signing. You are entitled to know which one applies and what it comes to.
What Ovesture's arrangement is
Not published yet, and we will not fake it
Ovesture has not yet confirmed compensation terms for publication on this page, so this page states none. That is deliberate: a promise about fees, custody of funds or representation is exactly the kind of thing an owner under pressure relies on, and we will not print one we cannot stand behind in writing.
Until it is published here, treat nothing on this site as a fee quote or a fee promise. Ask us the questions in the next section, ask for the answers in writing, and get them before you sign anything. Call (929) 977-9070 or email [email protected]. If we ever decline to put an answer in writing, weigh that accordingly.
What we can say without waiting for anything: the number that decides whether a deal is good for you is the total you repay across the full term, and we will show you that figure before you sign. If a comparison does not favor the product we would be paid on, we would rather tell you than have you find out in month four. That is not charity; a business that survives is a business that can work with us again, and this industry is small enough that reputations are the only durable asset in it.
Six questions to ask us, and everyone else
Print these, or paste them into an email. An intermediary worth using will answer all six without hesitating, in writing.
- Who pays you on my deal, and how much? A number or a percentage, not "the lender takes care of us".
- Is your compensation part of what I repay? If yes, show me where it sits in the total.
- What is the total I repay, in dollars, across the full term? Not the daily debit. Not the weekly payment. The total.
- If this does not close, do I owe you anything? Get the answer before you send a single document.
- Do you ever hold or receive my funds? And if so, on what authority and in what account.
- Are you acting as my agent, or introducing me to funders? These are different relationships with different duties. Know which one you are in.
You can also do this without us
You are allowed to approach funders and banks directly, and for SBA lending the SBA runs its own lender-matching route: SBA — Lender Match (19 September 2026). An intermediary is worth paying for when the search, the comparison and the packaging are worth more to you than the cost of the introduction. If they are not, go direct — we would rather tell you that than take a deal we did not add anything to.
What the law requires a provider to disclose
New York requires providers of commercial financing — a category that reaches merchant cash advances, not only loans — to give recipients specified disclosures about the transaction before it is completed. The intent is that a business owner can see the cost and terms of an offer in a comparable form rather than reconstructing them from a contract.
We link the regulator rather than quoting a section number or a threshold, because nobody at Ovesture has yet re-verified the current citation and we will not publish a legal reference from memory: New York State Department of Financial Services (19 September 2026). Treat this paragraph as a pointer, not as legal advice, and ask a lawyer if what you were or were not given matters to your situation.
If you are further along than this page assumes
Reading about fees is a calm activity and not everyone arriving here is calm. If you are already in one of the situations below, the question of who pays whom is not your first problem.
Where to go next
If you are carrying stacked advances, start at MCA debt relief and put your actual positions into the calculator there. If someone has already offered you a product, read reverse consolidation and MCA consolidation so you can tell which one you were actually offered. And before you sign anything at all, read when consolidation is the wrong answer. When you want a person, we are at contact us.
Frequently asked questions
Ask us directly and ask for the answer in writing before you sign anything. We have not published our compensation terms on this page, and we would rather leave that blank than print a number we have not confirmed. What we can tell you now is the shape of the market: in most small-business funding, the intermediary is paid a commission by the funder out of the transaction rather than by the business writing a separate check, and that commission is generally part of what the transaction costs you overall.
Usually, in some form. Whether the intermediary is paid by the funder or by you, the cost sits inside the transaction, so the only figure that settles the question is the total you repay across the full term. Ask for that number in dollars, in writing, and compare offers on it rather than on the payment.
No. You can approach funders and banks directly, and for SBA lending the SBA publishes a lender-matching route you can use without an intermediary. A broker is worth using when the search, the comparison and the paperwork are worth more to you than the cost of the introduction, and not otherwise.
Who is paid on this deal, by whom, and how much. Whether that is included in the total I repay. What the total I repay is, in dollars. What gets filed against my business and whether anything is released. Whether the agreement restricts me taking other funding. And whether I owe anything if the deal does not close. Any intermediary worth using will answer all six in writing.
Ask us, and ask for it in writing. This page deliberately publishes no commitment on custody of funds until Ovesture has confirmed the wording, because a promise a distressed owner relies on has to be one we can stand behind.
Talk to Ovesture
Ask us the six questions
Send them in an email or ask on the phone. We will answer in writing, and if we are the wrong firm for what you need we will say so.
- A person reads this, not a bot — and replies within one business day.
- Nothing is pulled or signed. No credit check and no application reaches a lender until you have seen the numbers and said yes.
- We are a funding firm, not a law firm. We do not give legal or tax advice.
- If we are not the right answer for you, we say so and tell you who is.