CPA Referral Program
A CPA referral partnership allows CPAs and accounting professionals who work with business owners to refer clients who need financing to a financing partner. When a referred transaction successfully funds, the CPA may receive revenue share under a signed referral agreement. The CPA introduces the opportunity; the financing partner evaluates and funds it. CPAs often have deep visibility into client financial needs—making them well-positioned to identify financing opportunities.
CPAs and accounting professionals have unique visibility into client finances. They see cash flow, growth plans, equipment needs, and capital requirements. When clients need financing—and especially when they have been declined elsewhere—CPAs are often the first advisor they turn to. A CPA referral partnership creates a path: the CPA introduces the client, the financing partner evaluates the opportunity, and when the deal closes, the CPA may receive revenue share. See the blog on CPAs and fractional CFOs helping clients access financing for related context.
Referral partnerships are not about pushing financing. They are about having a trusted path when clients need capital and have been declined elsewhere or need alternative options. The CPA adds value by connecting the client to a financing partner; the partner adds value by evaluating and funding the deal. CPAs should review their professional obligations and firm policies before participating. Learn more about can consultants refer business loans and the referral partner model. No approval is promised—each deal is evaluated on its merits.
Situations where CPAs refer clients:
The partnership operates through referral agreements. A CPA 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 CPA does not broker the loan—they introduce the opportunity and may receive revenue share when the deal closes. The process is defined in the agreement.
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. Financial consultant referral program structures are similar; CPAs and other advisors participate under comparable terms. See commercial lending referral fees for compensation details.
CPA with declined contractor client. A contractor client was declined by the bank for working capital. The CPA refers the deal to a financing partner. Revenue-based or alternative structures may create options depending on the client's profile.
Accounting firm and equipment need. A manufacturing client needs machinery; the vendor's in-house program declined. The CPA refers to a financing partner. Equipment-backed financing may consider the deal depending on structure and collateral.
CPA and growth capital. A client needs expansion capital; traditional lenders have exposure caps. The CPA refers to a referral partner network. Alternative lenders may have different guidelines.
CPAs use the referral partnership when clients need financing and have been declined elsewhere, when clients ask for financing introductions, or when deals fall outside traditional lender guidelines. The goal is to help the client while creating a path for potential revenue share when the deal closes. CPAs who add a referral partnership to their practice can monetize opportunities they may already be seeing through tax work and advisory engagements. See how consultants monetize client relationships for related context.
The partnership is not a guarantee. 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 CPA referral partnership allows CPAs and accounting professionals to refer clients who need financing to a financing partner. When a referred transaction successfully funds, the CPA may receive revenue share per the referral agreement. The CPA introduces; the financing partner evaluates and funds.
Yes. CPAs who work with business owners can refer clients to financing partners under a signed referral agreement. The CPA introduces the opportunity; the financing partner evaluates it. When a deal closes, the CPA may receive revenue share. CPAs should review their professional obligations and firm policies before participating.
No. CPAs who refer—rather than broker—introduce the opportunity to a financing partner. The partner evaluates and funds the deal. The CPA does not broker the loan. Compensation is based on successful placements, not introductions alone.
CPAs with a signed referral agreement may receive revenue share when referred deals close—often around 35%. Payment is typically issued within 30 days of funds received. Compensation is based on successful placements.
Yes. When a client was declined by a bank or other lender, CPAs can refer the deal for second look review. Alternative lenders may consider deals that fall outside traditional guidelines. No approval is guaranteed.
Yes. CPAs must review and sign the referral agreement before submitting any deals. The agreement defines compensation, protects both parties, and establishes the process.
CPAs may refer clients who need working capital, equipment financing, growth capital, or other business financing. The financing partner evaluates each opportunity and matches it to appropriate programs. Eligibility depends on lender guidelines and deal structure.
CPA with a client who needs financing?
Review the referral agreement, sign it, and submit opportunities for evaluation.
