Referral Partner Program
A commercial finance partnership program connects brokers, vendors, CPAs, and advisors with financing partners who evaluate and may place business loan opportunities. When you encounter clients who need funding—especially declined deals or hard-to-place files—a partnership program can provide a second look channel without requiring you to broker the loan yourself.
Professionals who work with business owners routinely encounter financing opportunities they cannot place. Without a partnership channel, those deals go nowhere—and the relationship may suffer. A commercial finance partnership program creates a structured path to refer opportunities while preserving your role as advisor, vendor, or broker.
Partnership programs exist across the commercial lending ecosystem. They allow brokers to monetize deals outside their lender lineup, vendors to help buyers who need financing, and advisors to offer clients a second look when traditional channels decline. The key is finding a program with clear terms, a signed referral agreement, and a financing partner that evaluates deals based on multiple factors—not just credit score. Options vary by lender; what one source declines, another may consider.
Situations where a commercial finance partnership program is often used:
Partnership programs operate through referral networks. A broker, vendor, or advisor 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 referral partner 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. Partners can send declined business loans for review through the program.
Broker with declined term loan. A broker has a solid deal declined by their primary lender for credit reasons. They refer through the partnership program. The financing partner evaluates and may match the deal to a lender with broader credit standards.
Equipment vendor with declined buyer. A manufacturer needs machinery; the vendor's in-house program declined. The vendor refers through the partnership program. Alternative equipment financing may be available depending on structure and collateral.
CPA with client needing working capital. A contractor client was declined by a bank. The CPA refers through the partnership program. Revenue-based or alternative structures may create options. Vendors and advisors can participate in similar arrangements.
Brokers use partnership programs when deals fall outside their primary programs. Vendors use them when in-house financing declines a buyer. Consultants and CPAs use them when clients need financing and have been declined elsewhere. The common thread: a need for a structured referral path with defined compensation and a financing partner that evaluates deals on multiple factors.
Partnership 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.
Partners stay informed throughout the process.
When a deal closes, partners may receive 35% revenue share per the agreement.
FAQ
A commercial finance partnership program is a structured arrangement where brokers, vendors, CPAs, and advisors refer business financing opportunities to a financing partner. The partner evaluates deals and may match them to lenders in their network. Referral partners may receive revenue share when deals close.
Brokers, equipment vendors, vendor sales reps, CPAs, fractional CFOs, business consultants, lenders with declined files, and others who encounter business owners needing funding may participate. A signed referral agreement is required before submitting deals.
Referral partners 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. Partners must review and sign the referral agreement before submitting any deals. The agreement defines compensation, protects both parties, and establishes the process.
Yes. Partnership programs often specialize in declined and hard-to-place deals. Brokers and vendors can send declined business loans for second look evaluation. Each deal is reviewed on its merits; approval is not guaranteed.
Programs may work with equipment financing, working capital, term loans, lines of credit, SBA-related financing, accounts receivable financing, and other commercial finance products. Options depend on deal structure and lender appetites.
Interested in the partnership program?
Review the referral agreement, sign it, and submit opportunities for evaluation.
