Referral Compensation
A business loan referral commission is compensation paid to brokers, vendors, CPAs, and advisors who introduce business owners or financing opportunities to a financing firm. When a deal closes, the referral partner receives a percentage of the revenue—often 35% under typical arrangements—as defined in a signed referral agreement. Understanding how commission works helps referral partners monetize introductions without brokering the loan.
Commission structures align incentives between referral partners and financing firms. The referrer introduces the opportunity; the financing firm evaluates it, matches it to lenders, and handles the transaction. When the deal closes, both benefit. A clear commission structure avoids confusion about when payment is due and what happens if a deal falls through.
Most commercial lending referral programs use revenue share—a percentage of the gross commission or revenue from the funded transaction. This scales with deal size and creates a fair split. Learn more about commercial lending referral fees and how they work within the broader referral partner program. The referral agreement spells out the exact percentage and payment terms.
Professionals who commonly earn business loan referral commission:
Commission is typically calculated as a percentage of the gross commission or revenue the financing firm receives from the lender when the deal closes. For example, if the financing firm receives $10,000 in commission and the referral agreement specifies 35% revenue share, the referral partner receives $3,500. The exact formula is in the agreement.
Commission is not paid for introductions that do not result in a funded transaction. Deals that are evaluated but do not close—whether due to borrower withdrawal, lender decline, or other reasons—do not generate commission. Partners who send declined business loans for review may earn commission when those deals close; each deal is evaluated on its merits.
When payment is issued. Under the Axiant Partners referral agreement, payment is issued within 30 days of the financing firm's receipt of funds from the funded transaction. Other programs may use different timing. The agreement defines the exact terms.
Clawback provisions. If a funded deal later defaults, is rescinded, or causes a chargeback, the referral commission may be clawed back. This is standard—lenders and financing firms share risk, and referral partners share that risk when they receive compensation. Review the referral agreement for specific clawback terms.
To earn business loan referral commission, you must have a signed referral agreement before submitting any deals. The agreement defines compensation, payment timing, clawbacks, prospect protection, and compliance expectations. Deals submitted without a signed agreement are not eligible for commission.
If you work for a vendor, dealership, or brokerage, obtain any required employer authorization before participating. Review the referral agreement, sign it, and send declined business loans or other opportunities for evaluation. Learn more at commercial lending referral fees and the referral partner overview.
Submit borrower and request details. Declined deals may be evaluated for second look.
We evaluate opportunities and identify possible funding paths. No approval is promised.
When a deal closes, partners receive 35% revenue share per the agreement.
Payment issued within 30 days of funds received. Clawback applies if deal later defaults.
FAQ
A business loan referral commission is compensation paid to a broker, vendor, CPA, or advisor who introduces a business owner or financing opportunity to a financing firm. When the deal closes, the referrer receives a percentage of the revenue—often called revenue share—as defined in the referral agreement.
Compensation varies by program. Under the Axiant Partners referral agreement, partners receive 35% revenue share on funded transactions. Other arrangements may use different percentages or structures.
Commission is typically paid when the deal closes and the financing firm receives funds. Under the Axiant Partners agreement, payment is issued within 30 days of receipt of funds. No commission is paid for introductions that do not result in a funded transaction.
Yes. A signed referral agreement is required before submitting any referrals. The agreement defines the commission structure, payment timing, clawback terms, and prospect protection. Deals submitted without a signed agreement are not eligible for commission.
Yes. Brokers and advisors who send declined business loans for second look review may earn commission when those deals close through the financing partner's network. Each deal is evaluated on its merits; no approval is promised.
Referral commissions are subject to clawback if a funded transaction later defaults, is rescinded, or is charged back. This is standard in commercial lending referral agreements.
Ready to earn referral commission?
Sign the agreement and submit opportunities. Commission paid when deals close.
