Refer Deals to Lenders
A lender referral program allows brokers, vendors, CPAs, and advisors 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 box, a referral program provides a channel to send those opportunities for evaluation—without requiring you to broker the loan yourself.
A decline from one lender does not mean no options exist. Lenders have different credit boxes, program limits, and risk appetites. A lender referral program connects referral sources with a financing partner who can evaluate deals across multiple lenders—increasing the chance that a declined or hard-to-place file finds a fit.
Brokers, vendors, and advisors routinely encounter clients who were declined elsewhere. Without a referral channel, those deals die—and the relationship may suffer. A lender referral program provides a path for deals that may qualify depending on structure, revenue, collateral, and other factors. Financing options vary by lender; what one source declines, another may consider. As an referral partner, you can send declined business loans for review. Vendors and participants in the commercial lending ISO program often use similar arrangements.
Situations where lender referral programs are often used:
Lender referral 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.
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 through the lender referral program. 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 through the referral program. 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 the referral program for second look. The network may match the deal to a lender with different guidelines.
Brokers use lender referral 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 different evaluation than the first lender provided.
Referral 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 lender referral program is an arrangement where brokers, vendors, and advisors refer business financing opportunities to a financing partner who has access to multiple lenders. The partner evaluates deals and may match them to appropriate funding sources. Referral partners may receive revenue share when deals close.
Brokers, equipment vendors, CPAs, consultants, lenders with declined files, and others who encounter business owners needing funding may participate. A signed referral agreement is required before submitting deals.
Yes. Lender referral 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.
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.
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.
Have a declined deal?
Review the referral agreement, sign it, and submit opportunities for evaluation.
