Partner program
Merchant Needs Equipment or a Build-Out: How POS Reps Refer Funding
You are at the counter when the owner says the kitchen needs a second line, the second location is signed, or the terminals are going in before the cash is there. You already see the processing volume. Here is how that merchant gets funded, what you can say, and how the referral pays you.
How Does a POS Rep Refer a Merchant for Funding?
With a name and a number. No licensing is needed for a basic referral introduction. RAN Funding reviews the merchant for equipment financing, working capital, a business line of credit or Business Term Loans through its lender network, with working capital funding in as little as 24 hours after approval. POS and payment processing reps sign up through RAN Funding’s partner program, are paid a referral commission on funded deals under the written partner agreement, and keep the merchant relationship.
Why POS Reps See the Need First
You see the volume on the statements before anyone else does, and you are in the store when the owner talks about what comes next. A merchant adding a location, a kitchen line, a patio or a fleet of terminals is a merchant about to spend money they do not have yet.
In the Federal Reserve Banks’ 2024 Small Business Credit Survey, fewer than half of employer firms that applied for financing received the full amount they sought.1 Card-heavy businesses, restaurants and retail among them, are also on many banks’ restricted lists. The merchant you are standing with has probably been told no before.
Which Products Fit Which Need
| Merchant need | Product that fits | Range and timing |
|---|---|---|
| Kitchen equipment, terminals, vehicles, machinery | Equipment financing | Sized to the equipment; the equipment is the collateral |
| A build-out or a second location | Business Term Loans | Up to $2 million, up to 3 years |
| Inventory ahead of the season | Working capital or a line of credit | $10,000 to $500,000+, as little as 24 hours after approval |
| A cash cushion for a seasonal business | Business line of credit | Up to $2 million, drawn as needed |
| Fast capital against card sales | Merchant cash advance | Repaid from card sales; same-day decisions |
Nothing here is a guarantee of approval. The specialist says which products the file supports.
What You Can Say at the Counter
- “I work with a business funding broker. Want me to have a specialist call you about the build-out? No obligation.”
- “They place equipment financing and working capital for established businesses. Decisions are usually fast.”
- “I do not handle the funding. They explain every term before you sign anything.”
Leave amounts, costs, timelines and approval odds to the specialist. Never say a merchant is approved or quote a number.
Which Merchants to Refer
- 1+ year in business and $20,000+ in average monthly revenue.
- A business bank account with active deposits.
- The 3 most recent business bank statements (4 in NY, CA or VA), complete.
- A need of $10,000 to $500,000+ in working capital, up to $2 million on some products.
- A use for the money you can name: the equipment, the location, the season.
This is business financing only, for established businesses. Startups and personal needs are not a fit.
How the Referral Works, Step by Step
RAN Funding is a broker, not a lender. One application for our lender network and one dedicated specialist. You make the introduction; we handle the funding process.
- Sign up on the partner page. Two minutes. Select POS / Payment Processing Rep. We call within one business day to walk through the partner agreement.
- Make the introduction. The owner’s name and number, and a heads-up that we will be calling. No licensing is needed for a basic referral introduction.
- The specialist reviews the file and calls the owner within one business day. If you want to be on the call, say so.
- The owner sees the options the file supports, with every term explained before anything is signed.
- The deal funds and you are paid the referral commission in the partner agreement. Renewals on your referrals pay you too.
Your client stays your client. RAN Funding contacts them only about the funding they asked for. No cross-selling, no marketing lists.
How You Are Paid
RAN Funding is paid a commission by the lender when a deal funds. Your referral commission is a share of that, set in the written partner agreement before you send anything, and paid when the deal funds. Renewals on your merchants pay you as well. Nothing funds, nothing is paid. How business loan referral fees work covers the questions to ask.
Your merchant stays your merchant. RAN Funding contacts them only about the funding they asked for. No cross-selling, no marketing lists, and no one touches their processing.
What to Keep in Mind
Get the client’s agreement before sharing anything. Do not describe yourself as a lender, and do not promise an approval. Nothing is guaranteed until underwriting reviews the file.
Disclosure rules vary by state. California, for example, requires a provider extending a specific commercial financing offer to give the recipient disclosures at the time of the offer. MCA disclosure laws by state is a starting point, not legal advice.
How to Start
Go to the RAN Funding partner program page and fill in the short form. Say so if you have a client who needs funding now.
For the program as it applies to your profession, see the guide for payment processing reps. You can also call 1-877-522-6045, Monday to Friday, 9am to 6pm ET.
Common Questions
Can a POS rep refer merchants for business funding?
Yes. No licensing is needed for a basic referral introduction. You give the merchant’s name and number; RAN Funding handles the funding process and pays a referral commission on funded deals under the written partner agreement.
Which product fits a merchant buying equipment?
Equipment financing, where the equipment is the collateral and the term matches its useful life. For a build-out or a second location, a Business Term Loan. For inventory or a short gap, working capital.
Will RAN Funding touch the merchant’s processing?
No. RAN Funding contacts the merchant only about the funding they asked for. No cross-selling, no marketing lists, and the merchant stays yours.
How am I paid?
A referral commission set in the written partner agreement, paid when the deal funds. Renewals on your referrals pay you as well. Nothing is paid on a file that does not fund.
Who qualifies for funding?
Best-fit clients have 1+ year in business, $20,000+ in average monthly revenue, a business bank account with active deposits and a need for $10,000 to $500,000+ in working capital, up to $2 million on some products. This is business financing only, for established businesses. Not every file can be placed.
Do I need a license to refer a client?
No licensing is needed for a basic referral introduction. You give the owner’s name and number; RAN Funding handles the funding process.
Sources
- 2025 Report on Employer Firms: Findings from the 2024 Small Business Credit Survey — Federal Reserve Banks
- California Financing Law: Commercial Financing Disclosures — California Department of Financial Protection and Innovation
Have a Merchant Planning a Build-Out?
Sign up in two minutes. We call within one business day and walk through the agreement.