Spotting funding needs in your network

Partners don't sell funding. They notice when someone needs it and make an introduction. The full method is in the Turn Your Network Into Income module inside TK Funding; this is the short version.

Signals worth acting on

• A client is buying equipment, a vehicle, or a property.
• A business is growing faster than its cash: new hires, bigger orders, longer receivables.
• Someone mentions a denial, a maxed line, or a card balance they're carrying.
• A homeowner wants to start or expand a business.
• An investor is under contract or refinancing a rental.
• Anyone says they "need to fix their credit first."

What to do next

Submit the referral in your portal or send the client an invite to their own portal. TK qualifies, collects documents, and places the deal; you track it and get updates by email.

You are a connector, not an underwriter

The single biggest thing that stops professionals referring is the belief that they need to know which product fits before they can say anything. They do not. Recognising that a financing need exists is the whole job - the routing, the qualifying and the lender selection happen on our side.

That reframing matters because it lowers the bar from expert to attentive.

The signals, in the language people actually use

Almost nobody says they need a line of credit. They say something adjacent to it:

• Timing gaps - customers paying late, payroll landing regardless, quiet stress at the end of every month. That is a line of credit conversation.
• An opportunity with a deadline - a second location, a lease being signed, a competitor selling up. That is a term loan conversation.
• Equipment on its last legs - renting something they should own, one breakdown from losing a week. That is equipment financing.
• Credit in the way - a declined application, a score they are embarrassed about, a plan on hold. That is credit repair first, funding second.
• Property income that does not show up on a tax return - the investor who owns four rentals and looks broke on paper. That is DSCR.
• A business too new to qualify but an owner who is not - that is 0% APR business credit, a personal loan, or a HELOC.

Where these conversations already happen

Some professions sit closer to the moment of need than others, which is why referral partners compound rather than trickle:

• Realtors and mortgage professionals - constantly around investors and self-employed buyers.
• CPAs and accountants - they see the cash-flow gap before the client admits it out loud.
• Insurance agents and brokers - broad books of business owners, frequent renewal touchpoints.
• Business coaches and consultants - clients tell them the plan and the constraint in the same sentence.
• Content creators and community builders - audiences full of people building something.

How to open it without pitching

The conversation that works is not a pitch, it is a question followed by an offer to make an introduction. Something close to: that sounds like a timing problem rather than a profit problem - do you want me to introduce you to the people I use for this?

It works because it is true, it costs the other person nothing, and it puts a specialist in front of them rather than an opinion.

What happens after you refer

We take the client from there: the initial review, the funding strategy, client communication, documentation, the lender process and underwriting, and the closing. You follow it stage by stage in the partner portal and see the commission recorded against the deal when it funds.

Commissions are paid on eligible successful referrals per your partner agreement. No income is guaranteed, and no timeline is promised on any deal.