Referral partnership · CPAs, bookkeepers, brokers, consultants, agents, advisors
Your clients talk to you about money before they talk to a bank.
Whatever you do for them — the books, the policy, the lease, the entity — you hear about the cash-flow problem first. The question is what you do with that. Sending them to their bank is the reflex. Here is what usually happens next.
The bank route
- 01Client applies, hard credit pull on day one
- 02Three to six weeks of underwriting
- 03Declined on time in business, industry code, or a ratio
- 04No explanation of what would change the answer
Your client comes back to you with nothing, and you have no next step.
The MAG route
- 01Soft-pull prequalification — no impact on their credit
- 02One file, matched across a panel of 80 lenders
- 03Approvals as fast as 24 hours
- 04If it is a no today, our advisors build the file toward a yes
Your client gets an answer either way — and you stay the person who found it.
Who this is for
Anyone whose clients talk to them before they talk to a bank.
You do not need to know anything about commercial lending. You need to recognise the moment a client mentions they are short, growing, or stuck — and know who to hand it to.
- CPAs & tax preparersYou see the cash-flow gap in the numbers months before the owner says a word about it
- BookkeepersYou are in the bank feed every week. You know who is floating payroll and who is not
- Business & financial consultantsGrowth plans that stall for want of capital are a standing part of your work
- Commercial insurance agentsNew vehicles, new equipment, a second location — the financing conversation sits right beside the policy
- Commercial real estate & business brokersA deal that dies at the funding stage is a commission you do not collect
- AttorneysEntity formation, acquisitions and succession all run into the same question about where the money comes from
- Equipment dealers & vendorsA buyer who cannot finance the purchase is a sale that does not close
- Payroll, HR & back-office providersYou are the first to hear when making payroll stops being automatic
Not on the list? If your clients are business owners, the conversation is the same. Book twenty minutes and we will tell you honestly whether it fits.
What we place
Commercial financing, and nothing that competes with whatever you do.
- Working capitalTerm loans for payroll, inventory, and expansion
- Lines of creditRevolving facilities for seasonal and uneven cash flow
- Commercial loansOwner-occupied and investment property
- Equipment financePurchase and refinance
- SBA loans7(a) and 504 — the longest terms and lowest rates available
- Invoice factoringReceivables advances against unpaid invoices
What you are not signing up for
The referral ends where your relationship begins.
- No competing servicesWe place financing. Not accounting, bookkeeping, tax, legal, insurance or advisory. Your client stays your client.
- No client legworkYou make the introduction. We take the call, the file, and the follow-up.
- No advance feesYour client is never charged to explore an option.
- No exclusivityThe agreement is non-exclusive and either side can end it on thirty days' notice.
How you are paid
A share of what the lender pays us, on deals that actually fund.
| Referral type | Commission |
|---|---|
| Plain referralYou introduce the client. We handle all contact, application, and transaction management. | 25% |
| Co-brandedJoint marketing under your firm's name, with MAG materials co-branded to your practice. You remain limited to introduction only. | 35% |
| Attest clients (CPAs)A client for whom you perform an audit, review, or compilation. We accept and work the introduction — no fee is paid, and none is accepted, so your independence is never in question. | No fee |
Percentages are of the gross commission we actually receive from the lender, before our own costs. Paid within 15 business days of MAG receiving cleared funds, with a statement showing the transaction, the gross commission, and the calculation. Reported on Form 1099; a W-9 is signed before the first payment.
Run the numbers
The percentage is fixed. The dollar amount follows the loan.
Your share of our gross commission does not change — 25% or 35%, set by your tier. What moves is the size of the deal underneath it. Move the sliders to see what a steady referral habit is worth.
Per funded loan
$300
Per month
$600
Per year
$7,200
| If you send | Monthly | Annually |
|---|
Illustration only — not a projection, an offer, or a guarantee of earnings. It assumes MAG's gross commission from the lender averages 3% of the funded amount, which is a blended figure that varies materially by product, lender, and credit profile. Only funded deals generate commission; introductions that do not close pay nothing. Attest clients are worked at no fee and are excluded from every figure above.
Firms we work with
You would not be the first.
Accounting, tax and multi-service practices already send us the financing side of their client work, and keep the client relationship themselves.
Want to hear how it actually works from a firm already doing it? Ask us and we will make the introduction — talking to one of them before you sign anything is a reasonable thing to want.
How the referral works
Four steps, and only one of them is yours.
Step 01
You introduce
Client name, business, contact details, and a line on what they need. Get their consent first, and tell us in writing which licence you hold — and, if you are a CPA, whether you perform attest work for them.
Step 02
We acknowledge
Within three business days we confirm in writing whether the introduction is accepted as a qualified referral, and at which tier. Nothing counts until that confirmation.
Step 03
We work the file
The call, the application, the lender matching, and every follow-up. You can ask for the status of any referral at any time.
Step 04
You are paid
Within 15 business days of us receiving cleared commission from the lender, with a statement showing the calculation.
“I loved the service I received from MAG, as well as the speed with which I got the funds. I will sure use them again when the time comes.”
Carlos BautistaMass Group Solutions · $125,000 line of credit
Twenty minutes is enough to know
Bring one client you couldn't place last year.
We will tell you honestly whether we could have. If the answer is no, you have lost twenty minutes and learned where the line is.
Andres Hoyos, Founder
Referral compensation is subject to a written partnership agreement. Nothing on this page is an offer of credit or a guarantee of approval, and nothing on this page is legal or accounting advice. CPAs should confirm their own obligations under Section 473.3205, Florida Statutes and Rule 61H1-21.003, F.A.C., including the written client disclosure and signed engagement letter those rules require. Attorneys, insurance producers, real estate licensees, investment advisers and other licensed professionals are each subject to their own rules on referral compensation and disclosure, and should confirm their own position before accepting a fee. MAG Business Capital may act in different capacities such as Broker, Agent, Partner, Referral, and Affiliate, from which MAG generates revenue in the form of commissions, service fees, and product fees.