Affiliate programs love minimums. They reduce ACH costs. They also tell a CPA who referred one funded file that the money will sit until they refer more. That is how professionals stop referring. They are not building an ISO. They are doing their real job and occasionally seeing a client who needs capital.
Loanable’s partner ACH has no minimum. 50/50 of Loanable profit on each funded deal, every Monday. Unique your unique partner link. 150+ lenders. Loanable is not a lender. If you fund one deal this quarter, that deal is still supposed to pay. That is the entire point of a referral program aimed at accountants, agents, and advisors rather than at production floors.
What no minimum does not mean
It does not mean every introduction funds. It does not mean you can skip the application. It does not mean you get paid when the owner only called you. Attribution follows the link. If they apply from organic search without your code, you will not see it. Put the URL where you can find it. Test it.
- No threshold before Monday ACH will fire
- Same split on a small working-capital file and a larger facility
- Dashboard line items you can reconcile even when volume is low
- No requirement to invoice or to hit a quarterly quota
Low volume is a feature of your profession
If you are a specialist CPA, two funded referrals a year might be a lot. Design the process for that volume: one template, one link, one Monday habit of glancing at the dashboard. Do not build an ISO ops manual you will not follow. Do not promise 24-hour funding as a personal guarantee. Some working-capital files fund as soon as 24 hours. Many will not. Facilities up to $50M are rare in a referral book and still pay on the same 50/50 rule if they happen.
Watch the bank account identity
No minimum only works if ACH can land. Mismatched names, closed accounts, and firm-versus-personal identity fights delay the only payment you might get this quarter. Fix that at approval, not after funding.
Why programs add minimums, and why this one should not for you
Minimums exist to save ACH fees on tiny residuals. They also tell a professional referrer their time was worth zero. Loanable’s partner payout has no minimum because the program is meant for people who do not originate every week. If you are that person, do not join a different grid later that reintroduces a threshold “just for affiliates.”
Still complete the bank profile. A no-minimum policy cannot pay a closed account. Still use the ref code. A no-minimum policy cannot find an unattributed application. 150+ lenders, as-soon-as-24-hour working capital, and facilities up to $50M are marketplace facts. Your economics are 50/50 of Loanable profit on the files that actually carry your partner link, paid Monday.
Test a $1 mental model: if only one client funds this year, the ACH should still arrive. If your current program would hold that dollar, it was never built for a practice. Loanable’s 50/50 of marketplace profit, Monday payout, and partner-link tracking are built for that volume. 150+ lenders remain the coverage behind the link, including working capital that can fund as soon as 24 hours and larger facilities up to $50M when a file truly fits.
Refer at the volume you actually see. Apply to Loanable’s referral program and get paid Monday with no minimum when a file through your partner link funds.