For Loan Brokers
A commercial finance broker program allows loan brokers to refer business financing opportunities to a financing partner with access to multiple lenders. When you have declined deals or files that do not fit your current lender lineup, the program provides a channel to send declined business loans for evaluation—without requiring you to broker the loan yourself.
Loan brokers routinely encounter deals that fall outside their lender lineup. A decline from one lender does not mean no options exist—lenders have different credit boxes, program limits, and risk appetites. A commercial finance broker program gives brokers a structured way to refer those deals for second look while preserving the client relationship.
Without a referral channel, declined files often die—and the broker may lose the relationship. A broker program provides a path for deals that may qualify depending on structure, revenue, collateral, and other factors. The broker introduces the opportunity; the financing partner evaluates and may place it. As an referral partner or participant in the commercial lending ISO program, brokers can monetize deals that don't fit their box. Financing options vary by lender; what one source declines, another may consider.
Situations where commercial finance broker programs are often used:
Commercial finance broker programs operate through referral arrangements. A broker with a signed referral agreement submits the deal. The financing partner evaluates the opportunity and, if appropriate, matches it to a lender in their network. The broker does not broker the loan—they introduce the opportunity and may receive revenue share when the deal closes.
Deals are reviewed based on multiple factors: credit profile, revenue, time in business, collateral, industry, and structure. Opportunities may qualify depending on how these factors align with lender appetites. No approval is promised—each deal is evaluated on its merits. Brokers can send declined business loans for review through the program.
Term loan declined by broker's primary lender. A broker has a solid deal declined for credit reasons. They refer through the broker program. The financing partner evaluates and may match the deal to a lender with broader credit standards.
Equipment deal outside broker's lineup. A broker's client needs equipment financing, but the broker's lenders focus on working capital. They refer through the broker program. Equipment-backed financing may be available depending on structure.
Exposure cap at lender. A broker's best lender has maxed exposure to the borrower's industry. The broker refers through the program. A different lender in the network may consider the deal.
Brokers use commercial finance broker programs when deals fall outside their primary programs. The common thread: a need for a different evaluation than the broker's current lenders can provide. Instead of telling the client no, the broker refers the deal for second look.
Broker programs are not a guarantee. They are an additional path to explore when the first path did not work. Send declined business loans for review through the referral partner process. Review the referral agreement before submitting.
Submit borrower and request details by email.
We evaluate the opportunity and identify possible funding paths based on multiple factors.
Brokers stay informed throughout the process.
When a deal closes, brokers may receive 35% revenue share per the agreement.
FAQ
A commercial finance broker program is an arrangement where loan brokers refer business financing opportunities—especially declined or hard-to-place deals—to a financing partner with access to multiple lenders. The partner evaluates deals and may match them to appropriate funding sources. Brokers may receive revenue share when deals close.
Brokers typically receive revenue share when a deal closes—often around 35%. Payment is issued within 30 days of funds received. Compensation is based on successful placements, not introductions alone.
Yes. Commercial finance broker programs often specialize in declined and hard-to-place deals. Brokers can send declined business loans for second look evaluation. Each deal is reviewed on its merits; approval is not guaranteed.
Yes. Brokers must review and sign the referral agreement before submitting any deals. The agreement defines compensation, protects both parties, and establishes the process.
In a referral arrangement, the broker introduces the opportunity to the financing partner. The financing partner evaluates and places the deal. The broker does not broker the loan—they refer it and may receive revenue share when it closes.
Brokers can refer equipment financing, working capital, term loans, lines of credit, SBA-related financing, and other commercial finance products. Deals are evaluated based on structure, credit, revenue, collateral, and lender appetites.
Broker with declined deals?
Review the referral agreement, sign it, and submit opportunities for evaluation.
