Commercial Finance Brokers
You already broker finance. But every broker knows the deals that stall. The file the lender declines. The industry they won't touch. The structure that doesn't fit their box. The timeline that's too tight. Rinia Capital acts as your super broker, stepping in behind the scenes to fund the leads you can't place, so the deal closes and you keep your client.
How we fund the deals you can't place
A short walkthrough of how the super broker relationship works, how we operate white-labeled behind your brand, and how you keep the client while we close the funding. Built for commercial finance brokers who have the leads but not the lender network to fund them all.
Become a partnerWhat you get as a partner
We fund what your lenders won't
The declined file, the non-bankable industry, the tight timeline, the complex structure. We take the deal, place it across our lender network, and get it funded while you keep the relationship.
Referral revenue on every deal
Earn a share of our broker fee on every funded deal you send our way. Tracked from introduction through disbursement, paid weekly on completion.
Stay white-labeled
We operate under your brand. Your client never sees our name unless you want them to. You keep the relationship, the contact, and the next deal.
A deeper lender bench
We work with dozens of lenders your desk doesn't have direct relationships with, so deals that die on your end close on ours.
What your clients get
Your clients get funded on the deals you'd otherwise have to walk away from, without losing you as their broker.
Refer, we fund, you earn
You bring the deal
Send us the file you can't place. We assess it against our lender network and come back with what's fundable and on what terms.
We place it
We structure and place the capital across our lender network, white-labeled under your brand, and see it through to disbursement.
We fund
The deal closes. Your client gets their capital on the timeline they need.
You earn
Your share of our broker fee is paid weekly on completion. The client stays yours and the next deal comes back to you.
Who this is for
The partnership works best when it fits how you already operate. Here is how to know if it is right for you.
A good fit if you
- Commercial finance brokers with leads their current lenders won't fund
- Brokers who have the relationships but not the lender bench to place every deal
- Finance brokers who want to close more deals without building a bigger lending desk
- Brokers who want to keep the client and earn on the deals they'd otherwise lose
Not the right fit if
- Brokers who can already place every deal they bring in
- Anyone who wants to be the lender of record
- One-off deals with no recurring pipeline
What a referred deal looks like end to end
Illustrative example based on the types of cases we see. Not a guarantee of outcome, amount, rate, or timing.
A commercial finance broker in the Northeast
A logistics company, $5.2M revenue, needed $450K
The broker had the client and the deal, but the file was declined by three lenders on their desk over the industry code, a revenue dip from a lost contract the year before, and the short timeline the client needed. The broker was about to walk away.
A working capital loan their usual lenders wouldn't write.
The deal was fundable, just not by that broker's panel. The revenue dip was explained by a one-time contract loss, the new contract covered the debt service, and the timeline was tight but achievable with the right lender.
A short-term working capital facility plus an equipment line on two newer trucks, placed with a specialty transportation lender the broker didn't have access to. Total structured: $450K.
Funded in 10 days, on the client's timeline. The broker kept the client, earned on a deal they'd written off, and the client came back for the next need through the same broker.
You refer. We fund. But the infrastructure is what makes it clean.
Most referral programs hand you a link and a hope. We built the operating layer so your clients see your brand, your deal stays in your portal, and your payout lands every week without chasing it.
A white-labeled client portal
Send your clients to a capital intake portal branded as you, not us. It carries your name, your look, and your tone, so the relationship never leaves your hands. We are the engine behind the page. Your client only ever sees your brand.
A white-labeled team on call
If your client needs to speak to someone about the capital, our team acts on your behalf under your brand. We answer their questions, we structure the deal, we carry the lender conversations, and we do it as your funding desk. They never meet Rinia. They meet you.
A dedicated tracking portal for you
Your own portal to track every referral from introduction through to disbursement. See status, structure, lender, and payout in real time, not when someone remembers to email you. Every deal, every dollar, on your own dashboard.
Weekly payouts, not monthly
Your referral share is paid out every week, not held to a monthly reconciliation. Funded Friday, paid the following week. The deal closes and you see it in your account while the work is still fresh, not 30 days later.
Estimate your referral earnings
Your share is 50% of our broker fee. Indicative only; the fee varies by product and structure.
Each funded deal earns you roughly $1,500 to $2,250 as your 50% share of our broker fee, paid weekly on completion.
Based on 24 funded deals a year at $150,000 average, at your 50% share of our fee.
Common partner questions
Do you work white-labeled under my brand?
Yes. We can operate entirely behind your brand so your client never knows we're involved unless you want them to. You stay the broker of record and the relationship stays yours.
What types of deals can you fund that I can't?
The short answer is most of them. We work with dozens of lenders across working capital, equipment, term loans, real estate, and specialty finance. If your panel said no, send it to us before you walk away.
How is the referral share tracked and paid?
Every deal is logged from introduction through disbursement in a tracking portal you have access to. Your share of our broker fee is paid weekly on completion, with full transparency on status along the way.
Refer a client and earn on the outcome
Tell us about your firm and the clients you send our way. We will get back to you with how the partnership works and your referral terms.