Loan Brokers
Send files that fall outside your current lender lineup.
For Brokers, Vendors, CPAs, and Advisors
Have Deals You Can't Place?
If you work with business owners who need funding but fall outside a narrow credit box, we may be able to help you find additional financing options while protecting your relationship.
Referral submissions should follow agreement review and signature.
- Broader credit standards than many lenders
- 35% revenue share on successful placements
- Deals from $10K to $5M+ depending on structure
Who This Is For
Referral sources who encounter business owners needing funding
Lenders With Declined Files
Create another path for deals declined due to credit, structure, or exposure caps.
Equipment Vendors
Help buyers who need financing options to complete the purchase.
Vendor Sales Reps
Preserve the sale when the customer can't get approved through a narrow lending box.
Equipment Dealers
Give buyers another route when timing and credit complexity collide.
Auction Houses
Offer financing alternatives for buyers who need options beyond standard programs.
CPAs and Fractional CFOs
Help clients explore funding options without sending them into a black hole.
Business Consultants and Advisors
Offer clients a second-look option when traditional channels say no.
Common Referral Situations
Scenarios we can help with
These situations are highly specific and practical. If you recognize them, you may be a good fit to refer.
- Borrower declined by a bank
- File does not fit current lender box
- Customer credit is weaker than standard thresholds
- Lender exposure is capped
- Deal size is too small or too complex
- Equipment buyer needs alternative financing
- Client needs faster movement
- Broker cannot place the file internally
- Partner wants to preserve the relationship instead of saying no
Referral Partnerships in Commercial Finance
Can You Get Paid for Referring Business Financing Opportunities?
Many professionals who work with business owners encounter financing opportunities regularly but do not realize that referral partnerships exist in the commercial lending ecosystem.
Examples include equipment vendors, vendor sales representatives, accountants, consultants, business brokers, insurance agents, payroll providers, and SaaS companies serving businesses. These professionals often see clients who need funding—for equipment purchases, working capital, expansion, or other business needs—but may not know where to send those opportunities. If you have declined or hard-to-place deals, you can submit them for review through our referral partner process. See our declined business loans guide for a full overview.
In many commercial lending relationships, referral partners may receive revenue share when a financing placement closes. Practices vary by company. Compensation structures depend on agreements with financing partners. Individuals should check their company policies and any applicable agreements before referring.
Referral Partnerships in Commercial Finance
Professionals Who Often Refer Financing Opportunities
Referral partners in commercial finance often include:
- Equipment vendors
- Vendor sales reps
- Loan brokers
- Accountants and CPAs
- Fractional CFOs
- Business consultants
- Insurance agents
- Merchant service providers
- Business brokers
These professionals frequently work with business owners who need financing but may not know where to send those opportunities. Equipment vendors and commercial lending ISO program participants often send declined deals for review. Vendor financing referral programs and similar arrangements exist across the industry.
Referral Partnerships in Commercial Finance
How Professionals Sometimes Monetize Financing Opportunities
Common scenarios include:
- An equipment vendor working with a buyer who needs financing to complete a purchase
- A consultant helping a company that needs working capital
- A CPA whose client needs funding for expansion
- A broker with a deal declined by their lender
- A sales rep whose client cannot obtain traditional bank financing
Referral partnerships allow these professionals to help their client access financing options, preserve their client relationship, and potentially earn revenue share when a deal successfully closes. For hard-to-place business loans, partners review and sign the referral agreement before submitting. Compensation varies by arrangement. This is one way professionals sometimes monetize client relationships in commercial finance.
Referral Partnerships in Commercial Finance
Is It Legal to Get Paid for Referring Business Financing?
In many commercial finance relationships, referral partnerships are a standard industry practice. However, regulations and company policies vary depending on the type of financing and the parties involved.
We encourage readers to confirm with their employer or company policies, review applicable agreements, and understand compliance requirements before referring. Practices differ by industry, employer, and financing type.
We work with referral partners through structured referral arrangements. If you are researching whether referral fees for commercial lending or business loan referral commissions are appropriate for your situation, consult your company policies and any applicable compliance requirements.
Credit Profiles We Can Consider
Broader standards for hard-to-place deals
Traditional lenders often require strong credit profiles, but some financing programs may consider borrowers starting around 500+ FICO depending on the deal structure, revenue profile, time in business, and collateral strength.
Different lenders, different credit boxes
Lower-credit borrowers may still have options in some scenarios. Equipment-backed or revenue-based situations may create additional possibilities. Deals declined elsewhere may still deserve a second look—we match each file to lenders that best fit the situation.
Factors that may affect placement
- FICO and credit history
- Revenue and cash flow
- Time in business
- Industry and collateral
- Deal size and structure
Types of Deals We May Be Able to Help With
For referral sources sending deals—not borrowers browsing services
If you have a client or customer who needs one of these financing types and the deal doesn't fit your box, send declined deals here for review. Review the referral agreement before submitting.
Equipment Financing
Machinery, vehicles, and business asset financing.
Working Capital
Short-term funding for operations and cash flow.
Business Term Loans
Structured term financing for growth and expansion.
Lines of Credit
Revolving access for ongoing business needs.
SBA-Related Financing
7a and 504 programs where structure and timing align.
Accounts Receivable Financing
Invoice and AR-based funding solutions.
Revenue-Based Financing
Funding tied to business revenue performance.
Commercial Real Estate Financing
Commercial property and acquisition financing.
Bridge Loans
Interim financing for acquisitions and transitions.
Business Acquisition Financing
Funding for buying or acquiring businesses.
Securities-Based Lending
Lending secured by investment portfolios.
Fix & Flip Financing
Real estate rehab and flip financing.
Earn From Relationships You Already Have
35% revenue share on successful placements
If you already work with business owners who need funding, this creates a way to monetize opportunities you may already be seeing—especially deals that fall outside your normal box. Referral partners may earn 35% revenue share when deals close.
Monetize what you already see
Generate revenue from clients and contacts you already work with—without pressure or volume requirements.
Professional, consultative approach
We focus on fit and relationship protection, not aggressive affiliate-style tactics.
Protect the relationship
When you can't place a deal, sending it here preserves your client relationship instead of a hard no.
How the Referral Process Works
Simple steps to get deals a second look
Referral sources care about responsiveness, transparency, and protecting their reputation. A signed referral agreement is required before submitting deals.
1
Review & sign the agreement
Review the referral agreement and sign before submitting any deals.
2
Send the deal
Share basic borrower and request details by emailing us.
3
We look for possible fits
We assess funding paths based on structure, urgency, and profile.
4
We keep communication clear
You stay informed so the client experience reflects well on your brand.
5
The client receives options if available
If there is a fit, the client can review next steps with clarity.
About Axiant Partners
A commercial financing advisory firm
Axiant Partners helps connect business owners with lenders offering a range of financing solutions. We specialize in situations where traditional banks or single-lender programs may not be the right fit.
Financing solutions we work with
- Equipment Financing
- SBA Loans
- Working Capital
- Business Term Loans
- Lines of Credit
- Accounts Receivable Financing
- Revenue-Based Financing
- Commercial Real Estate Financing
- Bridge Loans
- Business Acquisition Financing
- Securities-Based Lending
- Fix & Flip Financing
What you can expect
- We help where others say no
- We protect your relationship
- We understand hard-to-place files
- We keep communication clear
FAQ
Questions referral sources often ask
Can I refer deals that were declined by a bank?
Yes. We specialize in situations where traditional bank financing may not be the right fit. We work with lenders across the United States and can help match declined deals to financing programs ranging from approximately $10,000 to $5,000,000+ depending on the deal structure.
What happens if my client was declined by a bank?
Deals declined elsewhere may still deserve a second look. We work with lenders with broader credit standards. Some programs may consider 500+ FICO depending on structure, revenue, and collateral. Equipment-backed and revenue-based financing can create additional options.
Can equipment vendors get paid for referring financing?
Yes. Equipment vendors often encounter buyers who need financing to complete a purchase. Vendor financing referral programs exist in the industry. Vendors may receive revenue share when a deal closes, depending on the arrangement. Check your company policies.
Can sales reps earn referral fees for business loans?
In many commercial lending relationships, vendor sales reps and other professionals may earn referral fees or revenue share when financing placements close. Practices vary by company and agreement. Confirm with your employer and any applicable compliance requirements.
How do brokers make money from declined deals?
Brokers with declined files can send them to a broader lending network. When a deal closes, referral partners may receive revenue share. This allows brokers to monetize deals that don't fit their current lender box while preserving the client relationship.
Can consultants refer business loans to lenders?
Yes. Business consultants, CPAs, fractional CFOs, and advisors often work with clients who need funding. Many lenders work with referral partners through structured arrangements. Consultants can help clients access financing options and may earn revenue share depending on the agreement.
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. Deals declined elsewhere may still have options.
Do I have to be a loan broker to send a referral?
No. Referral partners include equipment vendors, vendor reps, CPAs, fractional CFOs, business consultants, lenders with declined files, MCA shops, and others who encounter business owners needing funding. You do not need to be a licensed broker.
What credit profiles may qualify?
Different lenders have different credit boxes. Traditional lenders often require strong credit, but 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.
Can vendors and vendor reps refer customers?
Yes. Equipment vendors, vendor sales reps, dealers, and auction houses often encounter buyers who need financing options. Referring those customers creates a way to preserve the sale and monetize the relationship.
What if a lender's exposure is capped?
When lender exposure is capped, deals may still deserve a second look through a different lending network. We work with multiple lenders with varying exposure limits and can help match deals to appropriate programs.
What industries can you help with?
We work with businesses across sectors including construction, healthcare, trucking, manufacturing, restaurants, logistics, agriculture, and more. Industry-specific financing is available where applicable.
How does the 35% revenue share work?
Referral partners receive 35% revenue share when deals close successfully. If you already work with business owners who need funding, this creates a way to monetize opportunities you may already be seeing—especially deals that fall outside your normal box.
What kinds of financing solutions are available?
Equipment financing, SBA loans, working capital, business term loans, lines of credit, accounts receivable financing, revenue-based financing, commercial real estate, bridge loans, business acquisition financing, securities-based lending, and fix & flip financing.
Have a deal you can't place?
Send it for a second look
If you're sitting on declined files, capped-out exposure, lower-credit borrowers, or customers who need financing alternatives, send the deal here for review.
Referral submissions should follow agreement review and signature.