Referral Partner Program

For accountants, bookkeepers, brokers and advisors whose clients ask them about financing. Send us the client. We handle the file. You are paid when it funds.

Referral Partner Program

Your clients already ask you about money.

Give them a real answer without becoming a lender.

When a client asks where to get working capital, equipment financing or a line of credit, you point them to LendrIQ. We take the application, read the file, place it with the lenders whose criteria it fits, and see it through to funding. You keep the client relationship and you are paid a share of what we earn.

Who this is for

Professionals who already sit across the table from Canadian business owners. You do not need a finance background. You need clients who trust you.

Accountants and bookkeepers
Commercial mortgage and insurance brokers
Business lawyers and notaries
Equipment dealers and suppliers
Business consultants and coaches
Payroll, POS and software providers

How it works

1

Apply. We review every partner application ourselves and reply within two business days. There is no fee and no minimum.

2

You receive a referral link and a one-page explainer you can hand to a client.

3

When a client needs financing, you send them the link or introduce them to us by email. They apply in about five minutes. No credit check at that stage.

4

We take it from there: a person reads the file the same day, we ask the client for what lenders will need, and we place the file with lenders whose criteria it fits. You are never asked to collect documents or discuss terms.

5

When the deal funds and the lender pays us, you are paid your share. You see every referral and its stage in your partner dashboard.

“You make the introduction. We do the work. You are paid when it funds.”

Free partner guide

See exactly how the Partner Program works

Our 11-page guide covers who we fund, what a good referral looks like, how commission is paid and what happens after you introduce a client. It is written for accountants, consultants, real estate and commercial real estate agents, equipment dealers and advisors.

Tell us a little about yourself and the guide opens right away. We will email you a copy too.

Cover of the LendrIQ Partner Program guide

Get the guide

You can be based anywhere. The businesses you refer need to be in Canada.

We use these details to send you the guide and to follow up about the Partner Program. Privacy policy

What you earn

Your commission is a share of what LendrIQ earns on the funded deal. The share depends on two things: how many of your referrals have funded, and whether you or we closed the client.

Your tierYou close the clientWe close the client
Partner (under 6 funded referrals)40%20%
Senior Partner (6 or more funded referrals)50%30%

Two worked examples

A $25,000 working capital advance where the lender pays LendrIQ 8%: LendrIQ earns $2,000. A Partner who introduced the client and let us close earns $400. A Senior Partner who closed the client earns $1,000.
A $50,000 term loan where the lender pays LendrIQ 6%: LendrIQ earns $3,000. A Partner who closed the client earns $1,200. A Senior Partner who closed the client earns $1,500.
  • Paid every two weeks, or sooner, on funded deals where the lender has paid us. Some lenders pay us up to a month after funding, so a payout can take that long.
  • If a lender claws back its fee because the merchant defaults inside the lender's clawback window, your share of that deal is reversed against your next payout.
  • Closing means the client signed the application through your introduction and you were their point of contact until they applied. If a client comes to us cold and later names you, that is a LendrIQ close.
  • Lender rates vary by product and lender. What LendrIQ earns on a deal is shown on your statement for that deal.
Apply to become a partner

What you get

A referral link that attributes every application and funded deal to you.
A partner dashboard showing each referral, its stage, and your commission history.
A one-page explainer for clients, in English and French.
A commission statement every two weeks and a monthly activity summary.
No fee, no minimum volume, no exclusivity. You can stop any time.

What we ask of you

These keep you, your client and LendrIQ on the right side of Canadian lending rules. They are in the partner agreement and they are not negotiable.

Never quote a rate, a term, a fee or an approval. Lenders set terms after they review the full file.
Never name a lender to a client. Which lender funds is decided by the file, and we tell the client at offer stage.
Never collect a client's bank statements, ID or financial documents. The client sends those to us directly.
Never promise an outcome. The most you can say is that we will look at the file and tell them where they stand.
Refer only clients you actually know. Bought lists, cold lists and scraped contacts are not referrals.
Do not represent yourself as LendrIQ, an employee of LendrIQ or a lender.

Read the partner agreement

Why clients say yes

One application reaches more than 75 Canadian lenders instead of one bank.
A person reads every file the same day and tells the client what is realistic before anything is submitted.
The client hears from us in plain language at every stage, by email and text.
No cost to the client to find out where they stand, and no credit check to start.

“You are not selling anything. You are answering a question your client already asked.”

Apply to become a partner

Every application is reviewed by a person. We reply within two business days.

By applying you agree to the LendrIQ Referral Partner Agreement.