Start with a clear introduction
A useful financing referral connects a business owner who has a defined funding need with a party able to discuss the next step. Pearl Financing connects businesses nationwide with lending partners and is not a direct lender. Accountants, commercial property professionals, business advisers, and other referral sources can use this page to begin a relationship discussion.
An introduction is not an approval, a lender commitment, or permission to represent Pearl. No referral fee, commission amount, exclusivity, lead acceptance, or closing outcome is promised here. Any commercial arrangement must be reviewed and agreed in writing before anyone relies on it.
Describe your role and the client’s need
For an initial conversation, explain your business, the customers you serve, the states involved, and the types of funding requests you encounter. Distinguish between introducing a client, helping organize information, and advising or negotiating on the client’s behalf. Those activities may carry different responsibilities.
A property professional might introduce a business seeking premises financing. An accountant might help a client describe a temporary working-capital gap. In either case, confirm that the client wants the introduction. Keep their business purpose separate from your own expectations about a referral relationship.
Agree on the handoff before sharing records
Use the first discussion to address:
- How the client authorizes contact and which information may be shared.
- Who communicates next steps and how duplicate introductions are handled.
- Whether any compensation is contemplated, who would pay it, and what written conditions would apply.
- What each party may say about Pearl, providers, eligibility, pricing, and timing.
- How confidential documents will be requested, transferred, and retained.
Send your own business contact details first. Do not attach a client’s bank statements, identification documents, or confidential application materials to an unsolicited introduction.
Keep the client’s decision independent
Explain any relevant relationship or potential compensation clearly. A referral should not become a claim that a financing option is suitable or that the client must accept it. The business owner needs the actual terms, costs, payment obligations, and risks before deciding whether to proceed.
Program-specific requirements can apply. For example, SBA publishes Form 159, Fee Disclosure and Compensation Agreement, for its 7(a) and 504 programs. Its existence does not establish that a particular fee is permitted or that Pearl offers such an arrangement. Confirm applicable provider, program, and legal requirements with qualified advisers.
Availability and permitted referral activity vary by transaction, provider, and location. An initial discussion does not create a partnership, agency, or compensation entitlement.
Discuss a referral relationship and describe your role, service area, and the kinds of business needs you encounter.