Accountants and bookkeepers hear the capital problem while it is still a spreadsheet. Payroll is going to bounce. A tax estimate is larger than cash. A customer is paying in 60 days and vendors want 15. The owner asks you what to do. If your only answer is “talk to the bank,” you already know half of those calls will come back as a decline and an awkward silence.
Loanable’s referral partner program is built for that moment. You are not a lender. Loanable is not a lender. You send the client to a unique partner link. The marketplace matches the file to 150+ lenders across working capital, term, SBA, equipment, and lines of credit. If a deal funds, you earn 50/50 of Loanable’s profit, paid Monday via ACH, with no minimum. You do not have to underwrite, collect statements on their behalf, or quote a rate.
Stay in your professional lane
Your value is that the client already trusts you with the books. Do not turn that into a side hustle that looks like you are brokering from the same email that sends their P&L. Introduce the need, send the link, and be available if they ask whether the statements they already produce will be enough. Do not promise approval. Do not pick a factor rate. Do not tell them to stop paying payroll taxes to “look better.”
- Put the Loanable link in your internal wiki, not only in one partner’s head
- Send it when cash timing is the issue, not when they asked for audit advice
- Keep consumer-purpose personal loans out of a business-funding conversation
- If your firm has a compliance policy on referrals, follow it before you paste a URL
What you can say in one sentence
You can say you work with a marketplace that shops business funding across 150+ lenders, that some working-capital files fund as soon as 24 hours, and that larger facilities can reach $50M when the file supports it. You cannot say you got them approved. You cannot say Loanable is the bank. That sentence is how you keep the accounting relationship intact after the funding conversation.
Why weekly ACH matters to a practice
Firms that refer twice a year still get paid on those files. There is no minimum that makes a single funded deal not worth the ACH. Monday deposits are easier to reconcile than a mystery residual three months later. If you run a multi-partner firm, use separate codes so attribution is not a hallway argument.
Where the link lives in a firm
Put your unique partner link in the shared procedures doc, not in one partner’s phone. Bookkeepers who cover for each other will otherwise send a generic URL and you will lose attribution. If the firm wants separate codes by partner, request them. Loanable pays the code on the application. Internal splits are your partnership agreement.
Do not attach the link to every compiled financials email. That looks like you are hustling the engagement. Use it when the client already said cash is short, or when the bank declined, or when a tax payment will land before receivables. The 50/50 Monday ACH with no minimum is for those moments. 150+ lenders and as-soon-as-24-hour working capital are facts you can mention without becoming their ISO.
You already see the cash problem. Apply to Loanable’s referral partner program and keep a unique partner link next to the other tools you send clients when the books say they are short.