Real estate agents already sit in the capital conversation. A buyer needs cash to close a business purchase. A landlord needs HVAC money before winter. A seller’s operating company is thin because they waited for the building to sell. If you only talk mortgages, you send those owners into the internet and hope they still close your deal.
Loanable is not a mortgage lender and not a real estate lender of record. It is a business funding marketplace with 150+ lenders. As a referral partner you get your unique partner link. When a business-purpose file funds, you earn 50/50 of Loanable profit, paid Monday via ACH, no minimum. You do not have to become a commercial loan broker to send the link.
Where the referral actually appears in a transaction
Business acquisition: the SBA conversation may belong on the apply flow with a type hint, and it will not fund this weekend. Working capital: the operating company needs cash independent of the property. Equipment: the buyer is taking restaurant equipment that a mortgage will not finance. Line of credit: they will have a gap every slow season after they own the building. Match the story before you paste the URL.
- Do not mix a consumer home purchase with a business funding link
- Do not tell them Loanable is “the bank on the deal”
- Do not promise as-soon-as-24-hour funding on an SBA package
- Keep your GCI conversation and the funding conversation in separate emails if your brokerage requires it
Licensing and brokerage policy
Your real estate license does not automatically authorize every form of credit referral in every state. Your managing broker may have a policy. This article is not that policy. The Loanable program will pay the partner on the ref code. Whether your brokerage lets you accept that ACH is an internal question you should ask before you print the link on a flyer.
Why a marketplace beats “my hard-money guy”
One hard-money contact is a single box. The owner’s actual need might be an advance, a term loan, or equipment. A marketplace that can reach $50M on large facilities is not something you will use on a coffee shop, but the same link also shops the small working-capital file. You do not need a new vendor for each product.
Coordinate with the rest of the transaction team
If there is a commercial mortgage broker already on the deal, do not blindside them with a surprise advance application. Tell them you are sending operating-company working capital to a marketplace, not competing for the property loan. Confusion at the closing table is how you lose both GCI and the referral. Loanable shops business funding across 150+ lenders; it is not a substitute for the mortgage.
Save the link in your transaction checklist next to utilities and insurance intros. Deals die in the last two weeks when the operating company is thin. That is when as-soon-as-24-hour working capital might matter, and when SBA will not. Products up to $50M are irrelevant to most of these files. The 50/50 Monday ACH with no minimum is not. Use your unique partner link, not a friend’s ISO text thread.
Stop walking past the operating-cash problem. Join Loanable’s referral partner program and save your unique partner link for owners whose real estate deal is not the only capital they need.