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Quick Answer

Calculate your referral income as a bank loan officer. Enter your monthly loan declines to see annual revenue projections from our partner program.

Banker Referral Program

How Much Can You Earn From Loan Declines?

Enter your monthly decline volume to see your annual referral income potential.

Banker Partner Resources

← Hub Referral Guide Client Checklist FAQ Toolkit
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Most declined applicants do not disappear: they end up financing the gap somewhere, often on worse terms than a referral would have found them.

Banker Referral Income Calculator

12
30%
60%
$65,000
3%

Annual Income Projection

Monthly loan declines12
Potential MCA candidates/month4
Referrals you'd make/month2
Funded clients/month (est. 70%)1
Revenue per funded client$1,950
Estimated annual referral income$23,400
Assumptions (illustrative only, not a performance claim): a 70% approval-rate scenario for qualified referrals. Illustration of how the math works, not a promised or historical outcome. Fees paid within 5 business days of funding. MCA candidates = declined applicants with $4,000+/month deposits, 0-2 NSFs, and no active bankruptcy. Check your institution's outside business activity policy before registering.

How the Referral Funnel Narrows (Default Example)

Referral funnel: 12 monthly declines to 1 funded client Bar chart showing how 12 monthly business loan declines narrow to 4 potential MCA candidates, 2 referrals, and 1 funded client per month, using the calculator's default slider values. Monthly loan declines 12 Potential MCA candidates (30%) 4 Referrals made (60% of candidates) 2 Funded clients/month (est. 70% of referrals) 1

How Annual Income Is Calculated (Default Example)

Revenue math: advance times fee times funded clients times months Diagram showing a $65,000 average advance multiplied by a 3% referral fee equals $1,950 per deal, multiplied by 1 funded client per month and 12 months equals $23,400 estimated annual income. $65,000 avg. advance × 3% referral fee = $1,950 per funded deal 1 client/mo × 12 funded clients/year × $1,950 per deal = $23,400 est. annual income
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A referral costs a banker nothing but a warm introduction. What happens after that is T.A.G.'s review, not the banker's underwriting call.

Ready to Start Earning?

Register as a partner in 5 minutes. Your referral link tracks every funded advance.

Become a Partner → See the Referral Process

Start Earning Referral Revenue Today

Each qualified referral earns you $500-$5,000. No licensing required.

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