CPAs, bookkeepers, insurance agents, equipment dealers, consultants, and industry professionals: when a client tells you they need $250k–$10M+ for equipment, expansion, or working capital — that conversation is a referral fee waiting to happen. Introduce us, and when it funds, you get paid. The client pays nothing — our lending partners pay us.
If you regularly advise business owners, you already have the referral pipeline. We monetize it — cleanly.
You see the capex plans before anyone. Clients ask you what to do — now there's an answer that pays you when it funds.
Close more units by offering client financing at the point of sale. Funders like AvTech report 32% average sales lift from point-of-sale financing.
You know their revenue, payroll, and equipment. One introduction per quarter compounds your commission income.
Realtors, M&A advisors, fractional CFOs, SBDC counselors — any professional with SME relationships.
Your fee is fixed in a signed referral agreement before you submit. Paid by FMD, LLC after the funder pays us. Never charged to the client.
| Referred Deal Funds At | Typical Partner Commission to FMD* | Referrer Share (Tier) | Example Payout |
|---|---|---|---|
| $250,000 – $500,000 | 1–3 pts equipment / 10–20% of fee on working capital | 25% of FMD commission | $1,250 – $7,500 |
| $500,000 – $1,000,000 | 1–3 pts typical | 25% of FMD commission | $2,500 – $15,000 |
| $1M – $5M | 1–3 pts typical | 20% of FMD commission | $4,000 – $60,000 |
| $5M+ | Negotiated per deal | 15–20% of FMD commission | $15,000+ |
*Partner commission rates vary by funder and product. AvTech Capital, for example, pays about 3 points on funded equipment leases (documented: $24,390 broker commission on an $813,000 transaction). Funders like Balboa/Ameris advertise up to 15–17 points on smaller-ticket loans; CIBC pays up to 2% on closed SBA loans. Your specific fee is set in your referral agreement — this table is illustrative, not an offer.
Two minutes. We review every application and send your referral agreement packet within one business day.
A written referral agreement defines your fixed fee per funded deal. You are an introducer — not a negotiator — which keeps you clear of state loan-broker licensing in nearly every state.
Submit referrals through the partner portal, email, or this site. Business name, state, and best contact — nothing else required from you.
FMD, LLC qualifies, structures, packages, and negotiates with funders like AvTech Capital, Balboa, National Business Capital, Kapitus, Fora, CIBC (SBA referral program), and TimePayment.
Fee paid within 30 days of funding. Repeat business from the same client counts as yours.
Compliance guardrails: no advance fees from businesses; no fee-charging to borrowers; introducer role only; restricted states (e.g., ND, and states requiring registrations such as VA/CT/MO/TX for certain sales-based financing) are screened at intake and handled by FMD's licensed/registered side where applicable. Program terms may change; your signed agreement controls.
Turn it into a fee income stream — with zero cost to your clients and zero licensing burden in a pure name-and-number model.
Become a Referral PartnerBusinessLoanOTC.com is a referral platform operated by FMD, LLC — not a lender, broker, or financial advisor. This page is informational and is not an offer to make loans, securities advice, or legal advice. Program details, fee tiers, and eligibility can change at any time; your signed referral agreement controls. Referral fees are contingent on funding and paid by FMD, LLC. State loan-broker regulations vary; certain states restrict compensated referrals — the program is not offered where prohibited. All financing offers are subject to funder approval.