Partners
A referral program for professionals who advise business owners.
If your clients run operating businesses and growth conversations come up, we want to be the financing source they trust you for. Your name is on the introduction. We treat that seriously.
Built around protecting your client relationships.
When you refer a client to SwellFi, your name is on the introduction. We treat that seriously.
We work with operating businesses across healthcare, construction, manufacturing, restaurants, assisted living, and commercial real estate. SBA 7(a), equipment financing, working capital lines, and CRE financing from $50K to $5M.
Our job is to find the right financing structure for your client, not the one that pays us the most. If the answer is “not yet,” we say so. Your relationship with your client comes back to you intact.
“I see partners as the people who put their name on us when they hand off a client. I take that very seriously.”
Professionals whose clients face financing decisions.
If you regularly work with operating business owners, your clients are probably asking you about capital. This program is built to give you a financing source you can confidently send them to.
CPAs & Accountants
Your clients ask you about loans first. Send them somewhere you trust without losing the relationship.
Equipment Vendor Reps
Allergan, HVAC distributors, dental supply, medical device. Close more equipment by removing financing friction.
Commercial Real Estate Brokers
Acquisitions and buildouts need financing. We close while you keep selling.
M&A Advisors / Business Brokers
SBA 7(a) acquisition financing is our specialty. We move quickly on practice and small business acquisitions.
Practice & Industry Consultants
Your clients are growth-stage. When capital becomes the bottleneck, we’re the partner you bring in.
Insurance & Payroll Reps
You hear about expansion plans, hires, and acquisitions early. Refer with confidence.
From referral to commission, the process is clear.
Most referred deals close in 30 to 90 days. SBA 7(a) takes longer because the rigor is part of what makes it the best product. We keep you in the loop the whole way.
Submit the referral
Client name, business, brief context. We confirm receipt within 24 hours.
We contact your client
15-minute introductory call. No pressure, no application yet. Just an honest read on their situation.
We keep you updated
Monthly status emails show you exactly where each referral stands. No black box.
Commission paid
When a referred deal closes, you get paid within 30 days of funding.
Transparent, predictable, paid on time.
Same rate on every closed deal you refer. No tiers, no scaling, no surprises. Identical structure across SBA, equipment, working capital, and CRE.
Paid within 30 days of funding. We handle all paperwork including tax forms. Documented in your partner agreement.
Real support, not a referral link and a hope.
One-pager for your clients
A clean, branded PDF you can email to clients explaining what SwellFi does and why we’re worth a conversation.
Monthly status updates
Personal email from Tom every month showing exactly where each of your referrals stands in our pipeline.
Quarterly check-ins
Short calls with Tom to review what’s working, what your clients are asking, and how we can support you better.
Fast, predictable payment
Commission paid within 30 days of funding. No chasing, no haggling. Documented in your partner agreement.
Questions, answered honestly.
What counts as a referral?
Any client you introduce to SwellFi who closes a financing deal with us within 12 months of your introduction. We attribute the deal to you in our system at the moment of referral, so there’s no question about who gets credit.
Is there a cost to participate?
No. The program is free to join. There’s no monthly fee, no minimum referrals, no exclusivity required. You only earn when a referred deal closes.
What if my client doesn’t qualify?
We tell them honestly and help them understand what they’d need to qualify in the future. We don’t push them into the wrong product. Your relationship with the client is preserved either way.
Are there any compliance or disclosure requirements?
For SBA loans specifically, the SBA requires disclosure of any agent involved in the transaction. We handle the disclosure paperwork on our side. CPAs and attorneys may have additional client disclosure obligations on their end. We recommend consulting your professional ethics guidance.
How fast do referred clients get contacted?
Within 24 hours of submission, usually same day. Tom handles initial calls personally so your client gets a real conversation, not a junior rep reading a script.
What if I want to refer a client but they’re not ready for financing yet?
Refer anyway. We do free 15-minute capital-readiness conversations. If they’re not ready, we’ll tell them what they need to do to get ready, and they can come back when timing is right. You still get credit for the referral.
Can I refer clients outside Florida?
Yes. SwellFi works with clients nationally. We’re headquartered in Boca Raton, Florida but our lender network covers all 50 states.
What’s the partner agreement like?
A simple, one-page document signed digitally. Specifies the commission structure, payment timing, confidentiality terms, and how either party can end the partnership. Attorney-reviewed, fair to both sides.
Prefer to ask questions first?
Tom personally onboards every partner. Schedule a 15-minute call to ask questions, talk through how it would fit your work, or learn more about how SwellFi handles client relationships.