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Are you a direct lender?
We are a syndicate lender and an online marketplace. As a syndicate lender we can co-fund deals and get better approval rates and pricing.  We have partnered up with a network of over 30 business finance lenders, banks, private investors, real estate investment lenders and commercial mortgage lenders to help business owners and real estate investors get the funding they need. With Linktolenders’s robust lender network, our platform can serve as a strong option for quickly zeroing in on the best lender depending on the need and the profile of the borrower.  The major advantage is that our goal is maximize the approval rates for ISOs and borrowers.  A common scenario is that a borrower may be denied by 4 lenders but approved by 1.  If the borrower where to depend on 1 lender and get denied, they cannot obtain funding. saves you time and money because lenders approve based on several factors.  These are some of the factors that lenders look at: monthly volume, application flow versus closing ratios and other factors.  Also, lenders change underwriting guidelines and their appetite to fund deals consistently.  We consistently analyze who is funding aggressively.  

What are the benefits of using for a Referral Partner? How do we know the outcome of the referral to get credited my commissions?
You don’t have to do any of the work. You simply refer us the name of the business seeking capital we do all the work. We obtain the financial documents for any program, process the deal, underwrite it, present offers, obtain closing documents, and close it. You get paid.  One of our internal team members will contact the potential borrower and do all the work. Referring potential clients for business financing is easy.  You fill out a simple form and we do the rest. Click the button below. 

Once you submit the referral and our internal team or the borrower fill out the application it will appear in your user panel at, if we fill out the application online for your referral or if the business owner fills it out. 

Also, you can keep track of applications submitted by borrowers or your leads on our portal at  No need for third-party integration.  Best of all currently it is FREE, no user fees for now.  Also, every day we are working on product and technology development.  Every quarter or every 6 months we are making new updates to to better serve our referral partners, borrowers, and end users.  

How long have you been in business?
Our parent company, KGFA Capital initiated operations in 2004 in the mortgage lending space. In 2013, it diversified into alternative business funding. Today, KGFA Capital offers an array of business solutions and acts as an alternative investment and holding company.  We have 19 years in the financing and investment space. initiated in 2019 and in 2020 due to credit squeeze up until 2022, loan volume was lower than other years.  Today, the alternative lending and traditional lending space for businesses, real estate investors and commercial mortgages is vibrant.  We project than in the next 5 years, the industry will bloom again.  We are very bullish on the market conditions. 

What programs do you offer?
We offer a variety of programs to include daily merchant cash advances, weekly merchant cash advances, ERTC advances, weekly payment business lines of credit, interest only lines of credit, monthly payment business loans, SBA7a loans, equipment financing, equipment leasing, invoice financing, commercial real estate loans, investment property loans and more.  Our platform analyzes the borrower’s profile and need and determines the best options. 

How long does it take to get a credit decision?
On merchant cash advances, equipment financing, equipment leasing, SBA7a we can deliver a credit decision the same day of submitting the application.  Worst case scenario would be 48 hours from submitting the application. Sometimes aside from our proprietary algorithm review and APIs with our network of lender, it may require a manual or human review. On programs that require more documents such as invoice financing, commercial real estate, and investment property loans, it may take 3 to 5 business days to deliver a credit decision.  Keep in mind that a credit decision is a conditional approval or a denial.  A conditional approval means that based on the information provided the applicant has been conditionally approved subject to accepting the offer, validating certain information and a final review before funding. 

How will I know the outcome of the deal?
Two ways.  First, you will receive an email.  Second, there are updates made on the portal daily and weekly.  

When do you pay commissions?
This depends on the program.  The agreement specifies the day we pay commission.  Usually, we pay commissions weekly on MCA Advances and on other programs it may be up to 7 days after funding and others monthly.  Your agreement specifies the payment frequency based on the type of program.

How much commissions do you pay?
On most of our programs we pay you 1% of the loan amount to include equipment financing or weekly or bi-weekly payment loans.  On other programs to include bank term loans, bank lines of credit and SBA7a loans, we will pay you 30% of the gross earnings.  


To get started immediately, follow these steps. 

Step 1: Sign the referral agreement (click the red link below) and email to

Step 2: Register an account on our loan origination platform, click the link below. If your referrals apply for a loan, you will see the status of the loan and their information. This way you can keep track of your referrals, outcome and commissions.

Step 3: Store on your phone the referral only link form 
Referral Only Submission | AI linktolender



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