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For independent agents

Two income lines, one agent role.

Agents earn on every merchant cash advance they open and build recurring subscription commissions on the Merchant Growth Platform that pay every month the merchant stays subscribed. We handle closing, underwriting, and fulfillment. You focus on relationships.

Agents are independent contractors. Earnings are never guaranteed and the majority of participants earn little to no income.

What you earn on

Merchant cash advance
32.5% Opening Agent Pool on every funded deal, paid monthly on collected revenue, with performance accelerators up to +2.5%.
Merchant Growth Platform
Pools up to 55% at Elite on premium products, accelerators up to +5%, then a residual of 10% or 15% from month 13 for the life of the subscription.
Membership
$99 a month for the CRM, training, reporting, and support, waived automatically in any month you collect at least $500 in commissions.

How the agent business works

  1. Step 1: Join and learn

    Complete the training academy, set up your agent portal, and get certified.

  2. Step 2: Sell and earn

    Present MCA funding and subscription products to merchants. Earn MCA commissions when deals fund and recurring platform commissions every month.

  3. Step 3: Build and scale

    Recruit and mentor your own team of agents and earn override commissions on their production, up to 3 levels deep.

Two revenue streams

The MCA line produces cash flow when deals fund. The subscription line builds a recurring base that pays every month.

Immediate income

Merchant cash advance

Earn commissions on every funded MCA deal. Fast approvals, high ticket values, and repeat business.

  • 32.5% Opening Agent Pool on every funded deal
  • Paid monthly on collected revenue
  • Performance accelerators up to +2.5%
  • Repeat-merchant and penetration bonuses
What you are offering: how funding works

Recurring income

Merchant Growth Platform

Place monthly subscriptions merchants need. Every subscription you place generates recurring commissions month after month.

  • Pools up to 55% by distributor tier
  • Higher payouts in months 1–3, then a residual for the life of the subscription
  • Lifetime residual up to 15% after month 12
  • Four tiers from $149 to $1,497 a month
  • Powered by Marketing Titan + Lead Titan AI
See the tiers

Pairing the two

Consistent MCA-plus-subscription attachment is a performance accelerator on both products: up to +1% on the MCA side and +1% on the subscription side, recalculated monthly across your production. Place products only where they suit the merchant.

You open. We close.

LeaderShield is built so you can focus on relationships and opening opportunities. Our partners handle closing, underwriting, and fulfillment.

You are the opening agent

Your job is to start the conversation: find merchants who need capital or growth tools and introduce them. You own the relationship; you do not need to be an underwriting expert.

Our partners close

Premium Merchant Funding (PMF) and our platform partners handle closing, underwriting, fulfillment, and ongoing service.

Three engines, one flywheel

Each merchant relationship can power three connected income engines, and each one feeds the next.

Capital
Fund merchants with a merchant cash advance and earn from the Opening Agent Pool on every deal.
Merchant Growth Platform
Place recurring subscriptions that solve real problems and pay you compounding monthly residuals.
Distribution
Build an organization of distributors and earn override income across up to 3 levels.
  1. 1

    Open

    Introduce a merchant

  2. 2

    Fund and subscribe

    Capital plus platform

  3. 3

    Grow

    The merchant succeeds and retains

  4. 4

    Repeat

    Renewals, residuals, and referrals

Illustrative income scenarios

These archetypes show what the two income lines look like at different levels of production. They are not guarantees, projections, or typical results.

Illustrative

Subscription producer

Platform-focused

$30K–$60K

per year, illustrative

Builds a book of recurring Merchant Growth Platform subscriptions and earns compounding monthly residuals.

Illustrative

Balanced distributor

Capital and platform

$100K–$200K

per year, illustrative

Pairs funded MCA deals with subscriptions, reaching the Enhanced tier and stacking accelerators.

Illustrative

Elite distributor

High-volume producer

$250K–$350K

per year, illustrative

Consistently hits Elite qualification thresholds with strong funded volume and a mature residual base.

Illustrative

Agency leader

Builds an organization

$200K–$500K+

per year, illustrative

Personal production plus override income from a distributor organization up to 3 levels deep.

These figures are illustrative archetypes, not guarantees or projections of income. They do not represent typical or average earnings. The majority of participants earn little to no income. Actual results depend entirely on your own effort, skill, retention, and market conditions.

Read the full Income Disclosure Statement

Your toolkit

From CRM to compliance, the infrastructure is provided. You build relationships and close.

CRM and pipeline
Track leads, deals, and commissions in real time in the agent dashboard.
Training academy
Video modules covering products, sales, and compliance.
Compliance shield
Automated disclosures and governance tools that keep your business safe.
Dedicated support
A support team for deal structuring, technical help, and strategy.

Membership

$99 a month

Access to your CRM, training, reporting, and support. Waived automatically in any month you collect at least $500 in commissions, so active, producing distributors effectively pay nothing.

Building an agency?

Agency plans by team size, each with its own waiver threshold.

PlanTeam sizeMonthlyWaived at
Small Agency1–5 distributors$149$1,500 collected
Growth Agency5–10 distributors$249$3,000 collected
Enterprise Agency11+ distributors$499$7,500 collected

See the agency program

Your first 30 days

The path from day one to your first commission, one week at a time.

  1. Week 1

    Foundation

    • Complete Academy training modules
    • Set up CRM and email signature
    • Review compliance guidelines
    • Shadow experienced agents
  2. Week 2

    Activation

    • Build a 100-lead prospect list
    • Launch email outreach campaign
    • Begin a daily call block (2 hrs)
    • Submit your first lead
  3. Week 3

    Momentum

    • Conduct 5 merchant demos
    • Generate 3 subscription quotes
    • Collect your first MCA application
    • Follow up on pipeline
  4. Week 4

    Results

    • Close your first subscription deal
    • Fund your first MCA deal
    • Receive your first commission payout
    • Set goals for month 2

Three illustrative paths

Composites written to show how the two income lines combine at different starting points. They are not testimonials from specific agents and are not typical results.

I was doing traditional MCA for 3 years. When I added the subscription platform, my monthly income went from unpredictable to a steady climb. The residuals changed everything.

Full-time producer

Illustrative composite, not a testimonial from a specific agent.

I started part-time while working my corporate job. Within 6 months, my LeaderShield income surpassed my salary. The training academy gave me everything I needed to succeed.

Team builder

Illustrative composite, not a testimonial from a specific agent.

Building a team was the multiplier. My personal production earns well, but the overrides from my team of 8 agents have created the financial freedom I always wanted.

Agency partner

Illustrative composite, not a testimonial from a specific agent.

Common questions

Do I need experience to get started?

No prior experience is required. Drive and relationships matter more than your background. The training academy covers product knowledge, sales techniques, and compliance guidelines, and you have access to scripts, objection handlers, and ongoing support from our team.

Can I sell both MCA and subscriptions to the same merchant?

Yes, when it is the right fit for the merchant. Distributors can offer both products, and consistent MCA-plus-subscription attachment is one of the performance accelerators that can lift your subscription commission pool by up to an additional 5%. It is an accelerator earned across your production, not a standalone per-deal pairing bonus, and you should only place products that suit the merchant's needs.

Build a book with two income lines.

Join LeaderShield Funding. We handle the execution and train you every step of the way.

No obligations. Complete training at your own pace. Start earning when you're ready.