Send them to someone who'll tell them the truth
You know business owners who need capital. I place commercial financing across Louisiana — SBA, equipment, real estate, working capital, factoring. What I don't do is merchant cash advances, and I'll tell your client when the honest answer is “wait six months.”
You'll hear back either way. Funded or not, with the reason. That's the part almost nobody does, and it's why partners keep sending.
The Capital Position Report — free, for any client you name
It's the lending version of a real-estate CMA: a specific, honest read on where a business actually stands. Public filings, existing liens, how a lender will read the file, today's rates, and what would improve their position.
You hand it to your client. It costs you nothing, it makes you look like you brought them something real, and if the answer is “you're not ready yet” it says so plainly. No obligation, and no obligation on them either.
How this works, by who you are
Bankers & credit unions
They decline most small-business applicants and it costs them the relationship. Sending the decline somewhere honest keeps the customer AND the deposit account.
No fee — by design. Reciprocal referral. We send bankable clients TO you — that's the point of the relationship — and you send the ones outside your box to us. No fee either direction unless you want one.
CPAs & bookkeepers
They see the financials before anyone and get asked 'can we afford this?' constantly. Having a straight answer to give makes them look good to their own client.
No fee — by design. A free Capital Position Report for any client you name. You hand it to them; it has your introduction on it. Fee available but genuinely optional — most CPAs would rather not.
Equipment dealers & vendors
Their sale dies without financing. Every deal we fund is a deal they close, and dealer financing is usually marked up — we're cheaper for their customer.
What you get: Referral fee on funded deals, paid after we're paid. Plus fast pre-qualification so you know whether to keep selling.
Commercial real-estate agents
Their closing depends on the buyer's financing. A broker who moves fast protects their commission.
What you get: Referral fee on funded FINANCING. Reciprocal: we send investor and owner-occupier clients who need to buy.
Insurance agents
They see new entities, new vehicles, new buildings — every one of those is a financing event they hear about first.
What you get: Referral fee on funded deals, plus reciprocal introductions.
Past clients
They already trust us. A business owner's peer group is other business owners, and that introduction carries more weight than any advertising.
What you get: Referral fee or a credit against future fees — their choice. And a straight answer for their friend either way.
Business attorneys
They form the entities and handle the acquisitions. An acquisition without financing doesn't close.
No fee — by design. Free Capital Position Report for any client. Fee available where their rules permit it.
Other brokers
Every broker gets files outside their box. Trading those is free money for both sides.
What you get: Fee split on funded deals, agreed per deal before submission.
Referral fees apply to commercial, business-purpose financing only — never residential mortgages, and never to a real-estate transaction. Any fee paid is disclosed to the borrower. Some professions have rules that make accepting a fee awkward; where that's true, I don't offer one and the relationship works perfectly well without it.
