Referral partners
Refer the merchants you
already advise.
A low-lift, professional way for accountants, advisors, consultants, attorneys, and vendors to add a working capital channel for their clients, without becoming a broker. Earn alongside your clients. We do the rest.
- No broker license required
- Relationship-protective
- Renewal-friendly economics
Who this fits
Built for trusted professionals.
If you're already the person small business owners call when something serious comes up, you're already doing the hard part of this relationship.
Accountants & CPAs
You know the numbers, and the moments when working capital actually makes sense.
Financial advisors
A capital channel that complements your existing client relationships without conflict.
Business consultants
Help clients execute on growth plans by connecting them with a lender that moves quickly.
Attorneys
For transactional, growth, or restructuring scenarios where short-term capital is the right tool.
Vendors & service providers
When clients want to expand, renovate, or scale, capital is often the unlock.
Industry associations
A trusted lending partner you can confidently introduce to your members.
Ideal referral partners
Who partners with us.
Beyond the advisors who guide day-to-day operations, a deeper bench of finance and deal professionals send us the clients a bank can't move on fast enough. If you sit close to capital decisions, you already see the moments we're built for.
M&A Advisors
Deals stall when a target needs bridge capital to close or to fund post-acquisition working capital. We move on the timeline a transaction demands.
Equipment Brokers / Funders
When a client needs operating cash alongside an equipment purchase, or falls outside an equipment lender's box, a direct working capital intro keeps the deal whole.
Banks / ABL / Factors
Clients that don't fit a bank's credit box or need capital faster than a facility can deploy get a clean, relationship-protective referral instead of a flat decline.
Bankers
When a deposit or commercial-banking client needs short-term working capital the bank can't underwrite in time, you can still point them somewhere that closes.
PE Professionals
Portfolio companies often need quick growth or bridge capital between rounds, and a direct funder fills the gap without disturbing the equity story.
How it works
A simple, transparent referral relationship.
The flow is intentionally low-lift: your job is the introduction, ours is everything after.
Make the introduction
Connect us with a client who could use working capital. A quick email, a warm intro, or our short referral form is enough.
We handle the file
Our team takes it from there: underwriting, structure, and communication, with you kept in the loop as needed.
Earn on funded deals
When the file funds, you're compensated. Renewals create ongoing alignment, not one-time wins.
Why PIRS Capital
A lender you can actually recommend.
What makes a PIRS introduction safe to put your name on.
We don't market around your clients
The client stays your client. No outbound marketing to your network, no parallel sales motion, no quiet renewal capture behind your back.
White-glove communication
Your name is attached to this introduction. Our team treats it that way: direct access to decision-makers, clear updates, no awkward handoffs.
Renewal-friendly structures
Built for the merchant's cash cycle, not for one-shot economics. Files that perform renew, and renewals compound your referral earnings over time.
Direct lender, real follow-through
No middle layers. In-house decisions and follow-through you can count on. The same team owns the file from intro to payoff.
What makes a great referral partner
No license. No quotas. Just good introductions.
Referring is intentionally low-lift: there's nothing to qualify for beyond knowing the right moment to make an intro. Here's what the best referral relationships have in common.
You advise U.S. business owners
Accountants, advisors, attorneys, consultants, vendors: anyone small business owners already trust when something serious comes up.
No broker license required
You're introducing, not brokering. No license, no compliance overhead, no obligation to push deals, just a warm intro at the right moment.
You protect your relationships
You only introduce a lender you'd stake your name on. So do we. We don't market around you, and the client stays your client.
U.S.-based clients
We fund established U.S. businesses, so the clients you introduce should be U.S. merchants who could use working capital.
Guidelines, not gates, and definitely not a broker license. If you advise U.S. small businesses and trust us enough to put your name on an introduction, you're a fit. Apply below.
Apply to become a referral partner
Tell us about the clients you advise.
A partner manager reviews every application and reaches out within one business day. Have a client to refer right now? Talk to our team. A warm intro by email is just as welcome.
Frequently asked
Referral Partner FAQs.
Do I become a broker if I refer clients?
How are referrals compensated?
What happens if my client isn't a fit?
How do I track my referrals?
Will PIRS market to my clients after I send them?
What information do I share when making a referral?
Recognized & accredited
- BBB A+ Accredited
- Trustpilot
Add a funding channel to your
client relationships.
Apply to become a referral partner, or call partner support to walk through how it works.