01Why this exists
Every MCA broker has a list of past merchants who didn't make it, defaulted, stacked, sued, frozen. The original commission is long gone. The merchant's phone calls keep coming.
We built the referral program for that exact moment. You make a warm intro, we take it from there. If we settle the case, you get paid.
02What we pay
A meaningful percentage of the success fee on each settled balance, paid on each settlement closing, not on a year-end true-up. Fully transparent: you see what we charged, you see what you earned, on every account.
No cap, no clawback if the merchant takes more debt later. Once a case settles, your fee is yours.
Once a case settles, your fee is yours. No clawback if the merchant takes more debt later.
03What makes a good referral
Merchants $50K+ in business debt across one or more MCAs. Either pre-default or post-default, we work both. Active business or recently closed. Personal guarantees in play. Genuine financial hardship (not just bad faith).
We'll talk to anyone, but the conversion rate on the above profile is dramatically higher.
04How the handoff works
Email or call us with the merchant's name, contact info, and a one-line summary. We reach out within an hour. You're cc'd on the engagement so you can monitor progress without being in the day-to-day.
Most ISOs send 1–3 referrals per quarter. Some send dozens. The math works either way.
05The reputational play
You're not just monetizing distressed accounts. You're giving the merchant a real path forward, which means when they (or their friends) need clean financing again, you're the broker they remember.
That long-tail value, in our experience, is bigger than any single referral fee.
If this is you, do these things this week
- Sign our one-page referral agreement.
- Pull a list of past merchants who didn't make it through their MCA.
- Send 1–3 warm intros via email or our private form.
- Stay cc'd on the engagement so you can monitor without being in the weeds.
- Reconcile commission ledger monthly.
Frequently asked
When do I get paid?
Is there exclusivity?
What if the merchant takes new debt later?
Will you protect my relationship with the merchant?
Talk to a senior advisor, free.
30-minute review. Free consultation. 100% confidential.
