Broker Networks
Business loan broker networks connect brokers with a broader range of lenders. When brokers have deals that don't fit their current lender lineup—whether due to credit, exposure caps, or structure—networks can match those deals to appropriate funding sources. This page explains how broker networks work and when brokers use them.
Referral submissions should follow agreement review and signature.
Introduction
A business loan broker network is a group of lenders and financing partners that brokers can access to place deals. Networks typically operate as intermediaries: the broker refers a deal, the network evaluates it, and the network matches it to appropriate funding sources based on structure, credit profile, and program guidelines. When a deal closes, the broker may earn revenue share per the agreement.
Networks differ from a broker's direct lender relationships. A broker may have 5–10 direct lender relationships. A network may have access to dozens or more. This expanded access helps brokers place declined deals and hard-to-place files that don't fit their primary lenders. Brokers who send declined business loans to a network can preserve the client relationship and potentially earn revenue share. The referral agreement governs the relationship between the broker and the network. Participants in the commercial lending ISO program and other referral partners use similar structures.
Why This Matters
Brokers cannot maintain direct relationships with every lender in the market. Credit boxes, program guidelines, and exposure limits vary widely. A deal declined by one lender may fit another—but finding that fit requires either a broad internal network or a partner who has one. Broker networks provide that partner.
When a broker has a file that doesn't fit their lender lineup, the network becomes a second path. The broker refers the deal; the network does the matching. The broker preserves the client relationship, avoids saying no, and may earn revenue share when the deal closes. For declined deals and exposure-capped situations, networks create options that would otherwise require the broker to hunt for a new lender relationship—or let the deal go cold.
Common Scenarios
How It Works
Broker networks typically require brokers to review and sign a referral agreement before submitting deals. The agreement defines compensation (often revenue share on funded transactions), payment timing, clawback provisions, and prospect protection. Once signed, the broker can submit deals for review.
The network evaluates each deal—structure, credit profile, revenue, time in business, collateral, urgency—and matches it to appropriate lenders. When a transaction successfully funds and the network receives compensation, the broker may receive their revenue share per the agreement. Compensation is based on successful placements—not introductions alone. Different networks have different terms; brokers should read the full agreement before signing.
Review the referral agreement and sign before submitting any deals.
Share basic borrower and request details by emailing us.
Our team evaluates the situation and identifies what may be possible.
We assess funding paths based on structure, urgency, and profile.
If there is a fit, the client can review next steps with clarity.
Practical Examples
Example 1: A broker has a $180,000 equipment deal. The client's FICO is 560. The broker's direct lenders require 650+. The broker refers the deal to the network. The network matches it to a lender with broader credit standards. The deal may close; the broker earns revenue share.
Example 2: A broker's SBA lender has reached exposure caps in the client's industry. The broker refers the deal to the network. The network presents it to alternative SBA lenders. The client receives options; the broker preserves the relationship and may earn revenue share if the deal funds.
Example 3: A broker has a working capital deal that needs a 24-month term. The broker's direct lenders only offer 12 months. The broker refers the deal to the network. The network identifies lenders with longer terms. The deal may close; the broker earns revenue share per the agreement.
When Used
Brokers use networks whenever they have a deal that doesn't fit their direct lender lineup. This includes declined bank loans, lower-credit borrowers, exposure-capped situations, structure mismatches, and time-sensitive or complex deals. Networks are also used when brokers want to offer clients a second look without investing in new lender relationships.
Many brokers maintain a network relationship specifically for declined deals and hard-to-place files. The network becomes a safety valve: when the primary path doesn't work, the broker has another option. This reduces dead ends, protects client relationships, and creates additional revenue opportunities. Brokers who send declined business loans through a network can monetize opportunities that would otherwise go cold.
How Axiant Reviews
Axiant Partners functions as a broker network partner. We review each referred deal on its merits. We evaluate structure, urgency, credit profile, revenue, time in business, and collateral. We match deals to appropriate funding sources across our lender network. We keep brokers informed throughout the process so the client experience reflects well on the broker's brand.
Referral partners must review and sign the referral agreement before submitting deals. We work with referral partners, participants in our commercial lending ISO program, and brokers who send declined business loans. Deals are reviewed; placement depends on lender fit. Approval is not guaranteed. When a deal closes and we receive compensation, partners receive 35% revenue share per the agreement.
FAQ
A business loan broker network is a group of lenders and financing partners that brokers can access to place deals. Networks typically match broker-referred deals to appropriate funding sources based on structure, credit profile, and program guidelines. Brokers may earn revenue share when deals close through the network.
Broker networks typically require brokers to sign a referral agreement. Once signed, brokers submit deals for review. The network evaluates each deal and matches it to appropriate lenders. When a deal closes, the broker may receive revenue share per the agreement. Compensation is based on successful placements.
Brokers often send declined deals to broker networks, financing advisory firms, or referral partners with broader lender access. These partners review the deal and may match it to lenders with different credit boxes or program guidelines. A signed referral agreement is typically required.
Yes. Many broker networks and referral partner programs offer revenue share when deals close. Some programs offer 35% revenue share on funded transactions. Compensation is typically based on successful placements—not introductions alone. Terms vary by program.
Broker networks may place equipment financing, working capital, business term loans, lines of credit, SBA-related financing, accounts receivable financing, commercial real estate, bridge loans, and other business financing types. Placement depends on lender fit and program guidelines.
Networks evaluate each deal based on structure, credit profile, revenue, time in business, collateral, and urgency. They match deals to lenders with appropriate credit boxes and program guidelines. Placement depends on lender fit. Approval is not guaranteed.
Have deals you can't place?
If you have deals that don't fit your lender lineup, review the referral agreement, sign it, and send them for review.
Referral submissions should follow agreement review and signature.
