Earn competitive commissions by referring businesses that need funding. We handle everything from application to funding. You earn on every successful deal.
Approval Rate on Referrals
Average Funding Time
Funding Range Per Deal
If you work with small business owners in any professional capacity, you already know that access to capital is one of the most common challenges your clients face. When a business needs working capital, equipment funding, or emergency cash, they often turn to their most trusted advisors first: their accountant, attorney, financial advisor, or business consultant.
The Merchant Fund Express Partner Program lets you turn those conversations into a revenue stream while genuinely helping your clients access fast, flexible funding. Instead of simply saying "talk to your bank" (which often results in a 6-8 week process and eventual rejection for many small businesses), you can connect your clients with a funding source that approves 95% of applications and funds within 24 hours.
Our partner program is designed for professionals who want to add value to their client relationships while earning competitive commissions on every funded deal. You do not need a finance background, a lending license, or any special training. You simply make the introduction and we handle everything else.
Our referral process is designed to be as simple as possible for you and your clients. Here is how it works from start to finish:
A client or contact mentions they need business funding. Equipment purchase, cash flow gap, expansion, payroll, or any other capital need.
Call us, email us, or have your client apply directly. We assign a dedicated funding specialist who handles everything from that point forward.
Our team reviews the application, underwrites the deal, and funds your referral within 24-48 hours. You are kept informed at every step.
Once the deal funds, you receive your commission. Fast payment, transparent tracking, and a grateful client who received the capital they needed.
You see your clients' financial challenges firsthand. When a business needs capital but does not qualify for a traditional bank loan, you can connect them with Merchant Fund Express. Your recommendation carries significant weight because clients already trust your financial judgment. Many of our top-performing partners are CPAs who refer 5-10 clients per year and earn substantial commissions while strengthening their client relationships.
Business attorneys frequently work with clients who need capital for acquisitions, expansions, legal settlements, or operational transitions. Rather than sending clients to a bank that will take two months and may reject them, you can connect them with a funding source that moves at the speed of business. Commercial attorneys, real estate attorneys, and business litigation attorneys are among our strongest referral partners.
When your small business clients need capital and traditional lending is not an option, alternative business funding fills the gap. Revenue based financing, working capital, and business lines of credit can help your clients grow without tapping personal savings or retirement accounts. Your expertise in financial planning makes your recommendation particularly valuable.
Consulting engagements frequently identify funding needs. Whether a client needs capital to implement your recommendations, fund a growth strategy, or bridge a cash flow gap, having a reliable funding partner makes your consulting practice more valuable. You help clients identify the opportunity and we provide the capital to execute.
You interact with business owners regularly and understand their financial situations. When a client struggles to pay insurance premiums or mentions needing capital for business operations, you can provide a warm introduction to Merchant Fund Express. The funding can actually help your clients maintain their insurance coverage and stay protected.
Your clients need capital to fund the marketing campaigns you are designing. When a client loves your proposal but says "we do not have the budget right now," connecting them with MFE can save the deal for both of you. The client gets funded, implements your marketing plan, and you retain a client who might have otherwise delayed or canceled.
You see cash flow challenges in real-time. When a client is struggling to make payroll or needs working capital to cover expenses, you can make an immediate referral. The speed of our funding (24 hours) means your client can solve their cash flow problem before it becomes a crisis.
Commercial real estate agents and property managers work with businesses that frequently need capital for build-outs, renovations, security deposits, and lease transitions. When a tenant needs funding to move into a new space or renovate an existing one, connecting them with MFE can help close the deal faster for everyone involved.
Speak directly with our partner development team to learn about commission structures and program details.
(305) 384-8391Your clients get funded in 24 hours, not 6-8 weeks. This speed reflects positively on your recommendation and builds trust in your professional network.
When you refer a client to MFE, they are almost certainly going to get approved. This means your recommendation reliably solves their funding problem.
We treat every referral with the same professionalism you deliver to your own clients. Your reputation is safe with us.
Credit scores from 550, businesses as young as 6 months, minimal documentation. We can help clients that banks turn away.
Six different funding products means we can match the right solution to your client's specific situation, whether they need working capital, equipment, or a line of credit.
98% of funded clients return for additional funding. This means ongoing commission opportunities from a single referral relationship.
A mid-size CPA firm in Houston began referring clients to MFE when they realized most of their small business clients could not qualify for bank loans. Over 12 months, they referred 15 clients, 14 of whom were funded for an average of $60,000 each. The CPA earned significant commissions while strengthening client relationships. Several clients specifically thanked the firm for the referral, leading to additional consulting engagements.
A business growth consultant in Los Angeles recognized that many of her clients had growth plans but lacked capital. By partnering with MFE, she could offer a complete solution: strategy plus funding. She referred 8 clients in her first year, all of whom used the capital to implement her recommendations. Her consulting retention rate increased because clients could actually execute the plans she created.
A commercial insurance agent in Miami started referring clients who mentioned cash flow difficulties during policy renewals. By connecting these clients with MFE for working capital, the agent helped clients maintain their insurance coverage while accessing growth capital. The agent referred 10 businesses in 6 months and earned commissions that represented a meaningful addition to his insurance income.
Our partner commission program is designed to reward you generously for every successful referral. Commissions are paid on funded deals and scale with volume. Here is what our partners typically earn:
Our commission structure operates on a tiered basis that rewards consistency and volume. Partners who refer 1-3 deals per month receive our standard commission rate on each funded deal. Partners who consistently refer 4-10 deals per month qualify for our enhanced rate tier with higher commissions per deal. High-volume partners referring 10 or more deals per month receive premium commission rates and additional incentives including quarterly performance bonuses and priority processing for their referrals.
To put this in perspective, a CPA who refers just two clients per month to Merchant Fund Express can generate a meaningful recurring income stream alongside their existing practice revenue. Since 98% of our funded clients return for additional capital, each initial referral creates an ongoing commission opportunity as the client renews and expands their funding relationship with us.
Commissions are paid promptly after each deal funds. There is no waiting for end-of-quarter payouts or minimum thresholds to reach before receiving payment. When your referral gets funded, you get paid. This immediate payment structure ensures that your cash flow from referral commissions is as predictable as the revenue from your core business.
Becoming a Merchant Fund Express funding partner takes less than 10 minutes and requires no upfront investment, licensing, or special certification. Here is how to get started:
Step 1: Contact Our Partner Team. Call our dedicated partner line at (305) 384-8391 or submit a partner inquiry. A partner manager will walk you through the program details, commission structure, and answer any questions you may have about the program.
Step 2: Receive Your Partner Portal Access. Once enrolled, you receive access to our partner portal where you can submit referrals, track deal status in real-time, view commission statements, and access marketing materials that you can share with potential referrals.
Step 3: Start Referring. When a client or business contact mentions needing business funding, simply submit their basic information through the portal or call our partner line directly. We handle everything from the initial application to funding and servicing. You never need to process paperwork, manage documentation, or handle collections on any referral.
Step 4: Earn Commissions. When your referral funds, your commission is calculated and paid promptly. Track all earnings transparently through the partner portal dashboard. You can see exactly which deals have funded, which are in process, and what your pending commissions are at any time.
There are no quotas, no minimums, and no exclusivity requirements. You can refer as many or as few clients as your business naturally generates. Whether you send one referral per quarter or ten per week, the program works entirely on your terms and your schedule.
Do I need a special license to refer business funding? No. Our referral partner program does not require any special licensing. You are simply recommending a service to your clients, similar to recommending an attorney, insurance agent, or technology vendor. However, if you want to operate as a broker or ISO with deeper involvement in the process, we also have a dedicated broker program.
What if my client has bad credit? Merchant Fund Express works with credit scores as low as 550. We evaluate businesses primarily on revenue and cash flow, so many of your clients who have been turned down by banks will still qualify through our program. This is one of the key advantages of referring to MFE versus traditional lenders.
How do I track my referrals and commissions? The partner portal provides real-time tracking of all submitted referrals, their current status in the funding pipeline, and your commission earnings. You can log in at any time to see where each deal stands and what you have earned.
Can I refer businesses outside my state? Yes. Merchant Fund Express funds businesses in all 50 states. You can refer clients anywhere in the country regardless of your geographic location.
| Product Type | Funding Range | Timeline | Key Requirements |
|---|---|---|---|
| Working Capital | K - 0K | 24-48 hours | 6 months in business, K+/month revenue |
| Merchant Cash Advance | K - 0K | 24-72 hours | 3 months in business, K+/month revenue |
| Line of Credit | K - 0K | 48-72 hours | 1 year in business, K+/month revenue |
| Equipment Financing | K - 0K | 3-5 days | 6 months in business, equipment purchase |