Referral Partner Agreement · version 2026-10-05.2
1. Who this is between
This agreement is between Capco Capital LLC ("Capco Capital", "we") and you, the referral partner. Capco Capital LLC is a commercial lending advisor. We are not a lender: we advise business owners and arrange financing through our lender network.
2. What you do: introduce, nothing more
You introduce business owners who may need commercial, business-purpose financing. That is the whole job. You do not negotiate loan terms, quote rates, give credit or financial advice, take applications or documents, or promise anyone an approval. You never collect a fee, deposit or anything else of value from a borrower. You are not our employee, agent or broker, and you don't speak for us.
3. Permission to contact
Before you send us a business, the owner must have agreed to be contacted by Capco Capital LLC about financing. Each time you refer a business you confirm that they did. We contact them ourselves; your introduction is not marketing consent for anything else.
4. Your referral fee
Capco Capital LLC pays a referral fee only when a deal you introduced actually funds, and only after we have been paid. The amount follows the fee schedule we set with you and show in your partner portal. Any estimate shown before a deal funds is only an estimate: the fee is figured from what we are actually paid. No fee is owed on a deal that doesn't fund, and fees apply to commercial, business-purpose financing only, never to residential mortgages or any real-estate transaction. Where a state's law doesn't allow a fee to an unlicensed referrer on a particular loan, no fee applies to that loan. Any fee paid is disclosed to the borrower. We pay fees only once we have a current, signed Form W-9 from you on record (renewed every 12 months); earned fees wait for it.
5. Where we work
We arrange financing nationwide except California. Please don't refer California businesses: we will decline them, and no fee applies.
6. Your portal
Your partner portal shows the businesses you referred, where each one stands, the deal size, the property address on real-estate deals, and your fee. The borrower's financials, documents, credit and lender details stay private between them and us, and are never shared with you. Keep what you see about a referred business confidential, and keep your sign-in to yourself.
7. Promotion rules
You may share Capco Capital content and your personal referral link wherever and as often as you like. Because you earn a fee, every post must clearly disclose it: keep the disclosure line we provide ("#ad · I earn a referral fee from Capco Capital if you're funded through my link.") where people will see it. You may add your own voice, but don't change what a post says about financing, and never state or imply rates, terms, approvals or guaranteed funding. Don't target or promote to California. Never collect anyone's financial information yourself; people apply with us directly. We may ask you to edit or remove a post that doesn't follow these rules.
8. Ending it
Either side can end this agreement at any time by telling the other in writing. A fee already earned on a deal that funded from your introduction is still paid.
