Loan Brokers
Files that don't fit your current lender lineup. Send declined deals for review instead of letting them go cold.
Quick answer: Brokers, lenders, and ISOs can submit declined business loan deals through our referral partner process. Review and sign the referral agreement first. Deals are evaluated and may be matched to second look lenders. 35% revenue share on funded transactions.
For Brokers, Lenders, ISOs, and Deal Sources
Have Deals You Can't Place?
If you work with business owners who need financing but fall outside a narrow lender credit box, this page allows brokers, lenders, and advisors to submit deals for review. As a referral partner, participant in the commercial lending ISO program, or equipment vendor, you can send declined deals and hard-to-place business loans for a second look. See our declined business loans guide for a full overview. Review the referral agreement before submitting.
- Broader credit standards than many traditional lenders
- Deals from approximately $10K to $5M+ depending on structure
- 35% revenue share on funded transactions
Referral submissions should follow agreement review and signature.
Who Sends Declined Deals
Professionals who frequently encounter hard-to-place financing
Professionals who often send declined deals and hard-to-place business loans include loan brokers, commercial lending ISOs, MCA shops, banks and credit unions, equipment vendors, and consultants and advisors.
These professionals frequently encounter financing opportunities that fall outside their lender's credit box—whether due to credit profile, exposure limits, policy restrictions, or deal structure. When a deal cannot be placed through their usual channels, submitting it for a second look may create options for the borrower and preserve the relationship.
Commercial Lending ISOs
Deals outside your program guidelines or credit box. Create another path for your clients.
MCA Shops
Clients who need a different funding path than your product suite allows.
Banks & Credit Unions
Declined files or exposure-capped deals that may qualify elsewhere.
Equipment Vendors
Buyers who need financing outside your standard programs.
Consultants & Advisors
Clients who need working capital, equipment financing, or other funding solutions.
Common Scenarios
Common Hard-to-Place Deals
These scenarios may qualify depending on the structure of the transaction. Approval is not guaranteed. Different lenders have different credit boxes and program guidelines.
- Borrower declined by a bank
- Borrower with lower credit—some scenarios starting around 500+ FICO depending on structure
- Lender exposure caps reached
- Deal outside current lender program guidelines
- Equipment purchases requiring financing
- Time-sensitive deals needing alternative lenders
Financing Types
Types of Financing We Review
Deals are reviewed and matched with potential lenders when possible. The following financing types may be considered depending on the deal structure.
Equipment Financing
Machinery, vehicles, and business assets.
Working Capital Loans
Short-term funding for operations and cash flow.
Business Term Loans
Structured term financing.
Lines of Credit
Revolving access for ongoing needs.
SBA-Related Financing
7a and 504 programs.
Accounts Receivable Financing
Invoice and AR-based solutions.
Revenue-Based Financing
Funding tied to revenue performance.
Commercial Real Estate Financing
Property and bridge financing.
Bridge Loans
Interim financing for acquisitions.
Business Acquisition Financing
Funding for buying businesses.
Referral Process
How the Process Works
1
Review and sign the referral agreement
Review the referral agreement and sign before submitting any deals.
2
Submit the deal information
Share borrower and request details by emailing us.
3
Axiant reviews the opportunity
Our team evaluates the situation and identifies what may be possible.
4
The deal may be presented to appropriate funding sources
We assess funding paths based on structure, urgency, and profile.
5
Referral partners may earn revenue share if a transaction successfully funds
When a deal closes and we receive compensation, partners receive their share per the agreement.
Required Step
Review the Referral Agreement Before Sending Deals
Referral partners should review and sign the referral agreement before submitting deals. The agreement defines compensation, protects both parties, and establishes the process.
FAQ
Questions about sending declined business loans
Where can brokers send declined business loan deals?
Brokers, lenders, ISOs, and deal sources can submit declined business loan deals through our referral partner process. We work with second look lenders and a broader lending network. Deals are reviewed and may be matched with appropriate funding sources when possible. A signed referral agreement is required before submitting deals.
What credit scores can sometimes qualify for alternative financing?
Different lenders have different credit boxes. Some programs may consider borrowers starting around 500+ FICO depending on deal structure, revenue profile, time in business, and collateral. Equipment-backed or revenue-based situations may create additional possibilities. Approval is not guaranteed.
Can lenders send deals they cannot fund?
Yes. Banks, credit unions, and other lenders with declined files or exposure caps can refer deals through our referral partner program. When a lender cannot fund a deal due to policy, exposure limits, or credit box, the deal may qualify for a second look through our broader lending network.
Do I need to sign a referral agreement before sending deals?
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. Deals cannot be submitted until the agreement is signed.
How do referral partners get paid?
Referral partners receive 35% revenue share on funded transactions. Payment is issued within 30 days of receipt of funds. Compensation is based on successful placements—not introductions alone. The full terms are in the referral agreement.
What deal sizes can be submitted?
Deals typically range from approximately $10,000 to $5,000,000+ depending on structure. Financing options vary by lender and product type. Each deal is evaluated based on multiple factors including amount, purpose, and collateral.
Have a Hard-to-Place Deal?
Submit the opportunity for review
Submit the opportunity for review through the referral partner process. Review and sign the agreement, then send the deal through our referral form.
Referral submissions should follow agreement review and signature.