For most B2B merchant cash advance referrals, no license is required to be a referrer. MCA is treated as a purchase of future receivables (not a loan) in most states, so the lending licensing rules that apply to consumer loans don't apply. However: if you're a licensed professional (CPA, attorney, financial advisor), check your state professional rules — some prohibit fee-splitting. Some states (CA, NY, UT, VA, GA) have specific MCA commercial finance disclosure laws that affect the broker, not directly the referrer. Read our Terms of Service; consult your own attorney before scaling.

Within 30 days of the funder remitting commission to us. Most funders pay broker commission 5–14 days after funding, so total cycle is typically 30–45 days from funding to your payment. We send 1099-MISC at year-end if you earned ≥$600.

Yes. Best practice (and law in some states like CA + NY) requires telling the merchant you're paid a referral fee. We provide template disclosure language in the partner agreement.

If you have a fiduciary relationship (you're their CPA, attorney, etc.), check your professional rules first. Some prohibit fee-splitting on financial product referrals. For non-fiduciary relationships (you're their friend, vendor, or general business contact), generally yes — but always disclose.

Merchant cash advance (MCA) · short-term working capital · lines of credit · term loans · equipment financing · invoice factoring. Revenue-based underwriting is our specialty — credit-imperfect borrowers ($50K+/mo revenue) often qualify here when traditional lenders say no.

No commission on declined deals — that's standard industry practice. We work hard to place every fit deal across our lender network. If a deal is fundamentally unfundable (e.g., merchant misrepresentation), we'll explain why.

Insurance referrals go through our sister company JLIG (Jon Lynch Insurance Group) — a separate program. Contact us if you want to bundle.