Broker Network
A commercial lending broker network gives loan brokers access to a broader lender set for declined deals and hard-to-place files. When primary lenders say no—due to credit, exposure, industry, or structure—the network provides a channel to send declined business loans for second look evaluation.
A decline from one lender does not mean no options exist. Commercial lending broker networks fill a gap by connecting brokers to lenders with different credit boxes, program limits, and risk appetites. When your primary lineup cannot fund a deal, the network provides an additional path.
Brokers routinely encounter clients who were declined elsewhere or whose deals fall outside their current lender box. Without a broker network, those deals may die—and the client relationship may suffer. A commercial lending broker network provides a structured way to submit opportunities for evaluation. The financing partner reviews the deal and, if appropriate, matches it to a lender in their network. Financing options vary by lender; what one source declines, another may consider.
Situations where broker networks are often used:
Broker networks operate through referral agreements. 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. Learn more about commercial lending referral fees and how brokers make money referring loans.
Equipment purchase declined by vendor program. A manufacturer needs machinery; the vendor's in-house program declined due to credit. The vendor refers the deal to a broker network. An alternative lender with equipment-backed financing may consider the deal depending on structure and collateral.
Working capital declined by bank. A contractor needs working capital; the bank declined due to industry or exposure. The contractor's CPA refers the client to a financing partner. Revenue-based or alternative structures may create options.
Broker deal outside lender box. A broker has a solid deal that does not fit any of their current lenders. They submit to a broker network for second look. The network may match the deal to a lender with different guidelines. See where brokers send declined deals for more.
Brokers use networks 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 different evaluation than the first lender provided.
Broker networks are not a guarantee. They are an additional path to explore when the first path did not work. Send declined business loans and hard-to-place 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 lending broker network connects brokers to a broader set of lenders and financing partners. Brokers submit deals; the network evaluates and may match opportunities to appropriate lenders. Brokers may receive revenue share when deals close. A signed referral agreement is typically required.
Brokers, lenders, ISOs, equipment vendors, CPAs, and consultants who have a signed referral agreement can participate. The referral partner introduces opportunities; the financing partner evaluates them. You do not need to be a licensed broker in all cases.
Yes. Broker networks 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.
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. Referral partners must review and sign the referral agreement before submitting any deals. The agreement defines compensation, protects both parties, and establishes the process.
The network 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.
A broker network provides access to additional lenders beyond your primary lineup. When your lenders decline or cannot fund a deal, the network may offer a second look through lenders with different credit boxes, program limits, or risk appetites.
Have a declined deal?
Review the referral agreement, sign it, and submit opportunities for evaluation.
