Business Finance Brokers in 2025

We’re now ten years out from the original “Year of the Broker” article in deBanked Magazine. Brokers are still here, the business has just changed slightly. Here’s some of the top line differences vs. 2015:

Cold Calling: 12% of merchants say they started their search for business funding options from a cold call.

Google Search: Organic search rankings beginning to diminish in favor of AI Q&As.

Training: AI can now listen to every call and grade you on every component of it.

CRMs: Pen and paper are over. Every touch on a deal should be traced and automated and deal tracking organized in a system.

Competition: Every POS solution and merchant fintech software now has a funding button embedded into it.

Commissions: Still high.

Funding Options: Lines of credit, term loans, MCAs, SBA, equipment financing, real estate lending, and more.

Regulations: There are now numerous state registration and disclosure requirements. (See the map here).

Leads: Referral networks are now more valuable than ever. Referrals from CPAs, lawyers, trade associations, chambers of commerce, and more.

Gates: You may have to go through a super broker to get access to a top tier funder.

Startup Costs: The registration requirements in several states has significantly increased the cost of starting a new broker shop today.

Sean Murray is the President and Chief Editor of deBanked and the founder of the Broker Fair Conference. Connect with me on LinkedIn or follow me on twitter. You can view all future deBanked events here.