Partner Network
A lender partner network connects brokers, vendors, and advisors to a broader set of lenders 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. Lender partner networks fill a gap by connecting referral partners to lenders with different credit boxes, program limits, and risk appetites. When your direct relationships cannot fund a deal, the network provides an additional path.
Brokers, vendors, and advisors routinely encounter clients whose deals fall outside their current lender box. Without a partner network, those deals may die—and the client relationship may suffer. A lender partner 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. See commercial lending referral partners for related context.
Situations where lender partner networks are often used:
Lender partner networks operate through referral agreements. 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. Learn more about lender referral programs and commercial finance referral programs.
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 lender partner 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 second look lender network or lender partner network. The network may match the deal to a lender with different guidelines. See where brokers send declined deals for more.
Brokers use lender partner 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.
Lender partner 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 lender partner network connects referral partners—brokers, vendors, advisors—to a set of lenders and financing sources. Partners submit deals; the network evaluates and may match opportunities to appropriate lenders. Partners may receive revenue share when deals close.
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. Lender partner networks often specialize in declined and hard-to-place deals. Partners can send declined business loans for second look evaluation. Each deal is reviewed on its merits; approval is not guaranteed.
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. 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 lender partner network provides access to multiple lenders through a single relationship. When your direct 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.
