Loan services that offer referral revenue are becoming a more popular and lucrative attraction to B2B companies looking to increase long-term revenue. From services that offer a wide range of loans to the best marketplace referrals, here are some of the most trusted options available, covering everything from a wide range of loan types to the best loan services offering marketplace referrals.
Here Are the Top 5 Best Loan Services for 2025
1. Porter Capital – Best for High Commission B2B Referrals
Porter Capital specializes in alternative lending solutions that can offer a lifeline to businesses looking for funding. With a fast approach to funding, they also help organizations get back on their feet ASAP, and have disbursed over $8 billion in funding across the US. Porter Capital also specializes in invoice factoring, bridge loans, and asset-based lending. But one of the most lucrative features they offer is a generous 15% B2B referral program that can earn revenue.
Pros:
- You won’t find B2B referral rates with lifetime revenue potential as generous as these.
- A streamlined funding process means your referrals get capital extremely quickly.
- Dedicated support allows you to convert referrals faster and more efficiently.
Cons:
- Some services are limited to B2B clients, meaning they aren’t suitable for freelancers.
- The niche services on offer may not be as flexible as a traditional business loan.
- Revenue or invoice requirements can easily disqualify some clients and applicants.
If you are looking to earn revenue from qualified business referrals, then Porter Capital is among the best there is, with a heavy focus on small and medium-sized B2B enterprises.
2. Lending Tree – Best for Loan Variety
LendingTree stands out among the best loan services for its trusted and accurate referral system for online loans. Because of how it operates, there is a wide range of loans available for clients to choose from, whether business or private. Using the marketplace model, Lending Tree connects customers with a network of lenders that can fulfill business and personal loan needs, such as quick cash for B2Bs or even mortgage lenders. However, it doesn’t make loans directly to customers.
Pros:
- Offers a wide range of loan categories that will appeal to almost any type of borrower.
- You can establish trust and boost conversion rates using the strong Lending Tree brand.
- Because there are multiple lenders competing, you may get better odds and rates.
Cons:
- Lending Tree offers some of the lowest per-lead commissions, limiting earning potential.
- Other affiliates using the brand increase the rate of competition you may have to face.
- The lender matching process can take some time, meaning payouts might be delayed.
Lending Tree is a solid competitor in online finance and among the best-known platforms. Not a lender itself, the business connects lenders and borrowers through an established marketplace.
3. Fundbox – Best for Tech Business Loans
You can increase your chances of getting a loan when you apply through creditors within your niche. This allows you access to the funds you need and other useful features such as appropriate terms, knowledgeable brokers, and the loan services that offer referral revenue. Fundbox has served over 500,000 businesses with over $6 billion disbursed. Fundbox also offers loans within the tech sector, something many others don’t do due to the risk and volatility.
Pros:
- Fundbox offers one of the fastest loan approval services available anywhere online.
- Clients using the system benefit from a clean and easy-to-use user interface.
- The service also offers some of the most competitive commissions on funded accounts.
Cons:
- Currently, Fundbox is only available to customers within the United States.
- The service only offers short-term repayment options, limiting its appeal.
- Risk factoring within the algorithm that Fundbox users will restrict some industries.
Through an intuitive API-driven system, Fundbox offers revolving credit lines to small businesses that can be approved instantly, appealing to startups and digital entrepreneurs.
4. Lendio – Best for Marketplace Referrals
While it is not a lender itself, Lendio works pretty much in the same way as Funding Tree and operates a quality and trusted marketplace. When using Lendio, you can expect to be matched with over 75 vetted lenders in one application, saving time and streamlining the process. Each application takes about 15 minutes, but this can vary based on the circumstances. However, a proprietary algorithm that the platform uses matches loans accurately based on various factors.
Pros:
- Lendio offers a wide variety of loans and referrals based on multiple industries.
- Through a quality managed sales process, you only have to refer rather than close.
- You can easily track and manage referrals using an intuitive and simple dashboard.
Cons:
- You only get paid if loans are actually funded, rather than being based on referrals.
- Cross-references aren’t allowed, so leads are exclusive to the platform count only.
- Lendio offers much lower referral-based commissions than some other platforms.
With a wide range of over 75 lenders, Lendio offers a solid network that offers business, SBA, and personal loans. However, they also offer a good referral program, even if it pays a little less.
5. Kabbage – Best for Brand Trust
When it comes to finding the best loan services, Kabbage stands out. Owned and operated by American Express, Kabbage offers a solid and trusted platform. Founded as a Fintech platform in 2009, Kabbage specializes in offering automated loans to SMBs with a maximum credit line of $100,000. Aside from the trusted brand, a key USP of Kabbage is that loans are approved (or denied) very quickly, thanks to a complex algorithm that measures various metrics, so you don’t waste any more time.
Pros:
- Kabbage is owned by a trusted and established brand that helps with conversions.
- Customers can expect same-day funding if they qualify and pass certain metrics.
- The referral system is well-designed and easy to use for users of all experience levels.
Cons:
- The scope of businesses that qualify for Kabbage loans is somewhat limited.
- High-demand periods can also decrease the availability of the platform.
- There are strict criteria that must be met to trigger payouts for qualified referrals.
A Godsend for small businesses, Kabbage offers same-day funding. However, it also relies on meeting strict criteria and passing metrics for the somewhat limited businesses to qualify.
Summary
When seeking the best loan services for referral revenue, high commissions are what you might be looking for in loan services that offer referral revenue. However, it can help to use services that operate within a specific niche for better results. You can also play it safe and use services that are built on established and trusted brands.
