Top 10 Business Loan Affiliate Programs To Help Fund Business Growth

image of two business woman, being cheerful while looking at the laptop on the table; with text overlay "Top 10 Business Loan Affiliate Programs To Help Fund Business Growth"

Around 400,000 new businesses start-up in the United States every year. In the first year of business, 20% of them fail, and 30% fail in the second year. After five years, 50% of them fail, and 70% fail in the tenth year.

There are a lot of reasons why businesses fail. Having no market for the goods or services that the small business is trying to sell is the top reason, but right behind it is the fact that many small businesses simply run out of funding before they gain momentum. In fact, 29% of small businesses fail because of a lack of funding.

When small business owners can’t get loans from the bank, they can turn to non-traditional lending methods like P2P loans to keep their businesses afloat and become prosperous. Affiliate marketers can play a key part in connecting small business owners with the lending companies that can help them, and they can earn great affiliate commissions as they do.

Whether you are looking to help new businesses just getting started, or established businesses who need an influx of cash, these 10 business loan affiliate programs to find out more and to see how you could use them in your niche marketing efforts. Also, check out these b2b services that might fit into your niche site strategy.

This photo shows two women business owners of a café holding cash and smiling near one of their pastry cases, representing the best business loan affiliate programs. — The best business loan affiliate programs can help small businesses that might not be able to get traditional bank loans

Table of Contents

Business Loan Affiliate Programs

OnDeck
Commercial Loan Direct
National Business Capital
GoKapital
Upstart
National Funding
FundingPilot
Next Financing
Credit Suite
Business Credit And Capital

1. OnDeck

This screenshot of the home page for OnDeck includes a photo of a short-haired woman working at a desk with a notebook and pen and a cup of coffee, behind blue lettering announcing OnDeck loans as a way to purchase inventory and a blue call-to-action button for applying. — OnDeck is a capital and business loan company that has funded more than $12 billion so far to small businesses across the world

URL: OnDeck Affiliate Program
Commission: 2%
Cookie: 60 days

OnDeck is a capital and business loan company that has funded more than $12 billion so far to small businesses across the world. This company has an A+ rating with the Better Business Bureau and 9.7/10 customer ratings on TrustPilot.

There are two types of financing that OnDeck provides: term loans of up to $500,000 and lines of credit of up to $100,000. Customers who apply will hear back from the company within minutes about whether or not their loan is approved. Applying doesn’t affect a customer’s credit score, either.

OnDeck runs its affiliate program through Impact.

For affiliates, one sale equals $800. Affiliates who refer one sale a day can make around $24,000 in one month.

Why You Should Promote OnDeck: The potential for affiliate earning is enormous, and the cookie length is nice, too. Beyond that, this company has an impeccable reputation, and that could help convert some potential customers.

2. Commercial Loan Direct

This screenshot of the home page for Commercial Loan Direct has a white background an orange section in the middle that contains white text answering the question "How does it work?" — Commercial Loan Direct provides both apartment loans and commercial loans

URL: Commercial Loan Direct Affiliate Program
Commission: $1,250
Cookie: Unknown

Commercial Loan Direct provides both apartment loans and commercial loans. Several different loan formats are available, including conventional loans, conduit, USDA, SBA, FHA, construction, commercial loan refinancing, and more. Affiliates can promote all of the products that Commercial Loan Direct offers.

For every closed transaction that comes through an affiliate website, Commercial Loan Direct pays a flat affiliate fee of $1,250. Affiliates are notified by email when the company receives a referral through their website and then again when the loan transaction closes.

Why You Should Promote Commercial Loan Direct: The high flat-rate affiliate commission is nice. This company also offers a $250 bonus commission to affiliates who refer other affiliates. The bonus goes through when the referred affiliates make sales.

3. National Business Capital

screenshot of National Business Capital homepage with white header bearing the website's name and main navigation menu, also showcasing an image showing a doctor, an engineer, and a baker — National Business Capital offers loans starting at $10000 and topping out around $3 million

URL: National Business Capital Affiliate Program
Commission: Unlisted
Cookie: Unknown

National Business Capital offers loans starting at $10,000 and topping out around $3 million, and the company works in all 50 of the United States. Initial applications take about one minute to complete. Decisions on whether or not funding is approved take about one day and all loans for all industries are considered. There’s also no minimum FICO requirement, so the likelihood of loans being approved is relatively high.

Affiliates receive their commission within 24 hours when one of their referrals closes on a loan.

Why You Should Promote National Business Capital: National Business Capital works with a handful of charities, including Feeding America, Make-a-Wish, Habitat for Humanity, and the American Red Cross.

However, without knowing what the commission rate is, affiliate marketers can’t get a good feel for how much they can make with this company.

4. GoKapital

This screenshot of the home page for GoKapital shows a smiling woman in what appears to be a clothing store hanging up an "open" sign, next to black and green text stating that business funding doesn't have to be complicated. — GoKapital offers both real estate and business loans

URL: GoKapital Affiliate Program
Commission: Unlisted
Cookie: Unknown

GoKapital offers both real estate and business loans. The affiliate program is designed for marketers who are already working with small business owners. The affiliate marketers get a commission for helping their clients find the funding they need for their work projects.

This company provides a lot of different types of loans. Customers can chat with GoKapital representatives about revenue-based loans, merchant cash advances, business lines of credit, unsecured business term loans, financing for equipment, SBA loans, commercial real estate loans, and commercial mortgage loans.

Why You Should Promote GoKapital: If you’re already working with small business owners, GoKapital could be a good fit for you. However, the cookie length and commission rate aren’t listed on this site, so it’s hard to tell how much money you could make with this company.

5. Upstart

screenshot of Upstart homepage with white header bearing the website's name and main navigation menu, main image features a couple and their child seated on the floor — Upstart is one of the first to apply AI to the multi trillion dollar credit industry

URL: Upstart Affiliate Program
Commission: Unlisted
Cookie: 45 days

Upstart-powered banks can offer higher approval rates and experience lower loss rates because they use Upstart's AI platform – an artificial intelligence lending platform that is designed to improve access to affordable credit while reducing the risk and costs of lending. Their online application process is secure and simple. Applicants can receive rates in just 2 minutes with funds available the next business day.

They provide personal loans from $1,000 to $50,000 for credit card refinancing, large purchases, debt consolidation, and others. Upstart also offers competitive loans starting at 5.67% with no prepayment penalties or hidden fees.

The Upstart affiliate program is administered by FlexOffers.

Why You Should Promote Upstart: Upstart goes beyond the FICO score. They use non-conventional variables at scale to provide superior loan performance and improve consumers' access to credit.

6. National Funding

screenshot of National Funding homepage, with white header bearing the website's name and main navigation menu, showcasing a couple shaking hands to someone outside of the frame — National Funding is a pioneer in alternative lending and an ally for small business owners

URL: National Funding Affiliate Program
Commission: Unlisted
Cookie: Unknown

National Funding is a small business loan company and also an equipment leasing company. They are fully committed to helping small business owners. They offer a range of financial services and products – from working capital loans and equipment financing, to merchant cash advance and credit card processing.

For more than 20 years, National Funding has been helping small business owners in many industries across the United States. They have funded over $3 billion for more than 50,000 business owners – from mom and pop shops to medical practices and manufacturers.

The National Funding affiliate program is administered by FlexOffers.

Why You Should Promote National Funding: Aside from their years of experience in the industry, they also offer a wide range of lending solutions and excellent customer reviews in TrustPilot.

7. FundingPilot

screenshot of FundingPilot homepage with white header bearing the website's name and main navigation menu, with a featured top view image of hands joined together — FundingPilot is making waves in the alternative lending arena

URL: FundingPilot Affiliate Program
Commission: Unlisted
Cookie: Unknown

FundingPilot offers unique business lending programs for each business type for immediate access to business capital needed. They provide an easy, fast, and efficient funding process so that business owners can simply focus on the business itself.

They offer fast funding with absolutely no collateral required. Their Business Loans are mainly focused on the monthly revenue generated by your business. Their minimum qualification is 6 months time in business, monthly revenue of $10k, and credit score of 500.

Their Partner Program is available in 2 options; Referral Partner and Broker Partner.

Why You Should Promote FundingPilot: They treat clients as partners and handle their funding requests with respect and confidentiality.

8. Next Financing

This screenshot of the home page for Next Financing has a light blue filtered photo of a man's hands holding a tablet that shows some sales charts and white text announcing capital to grow businesses and increase sales. — Next Financing can fund projects of up to $500000 in just two or three days

URL: Next Financing Affiliate Program
Commission: 1-2%
Cookie: Unknown

Next Financing offers several types of loan products. These include business loans, but there are also funding options for personal loans, patient financing, auto loans, student loans, debt consolidation, and more. This company can fund projects of up to $500,000 in just two or three days.

The affiliate program is a little bit different than a normal affiliate marketing program. Next Financing affiliates are generally business owners who work with other small business owners. Affiliates bring their own customers to the company to help them get the funding they need, and the affiliates make a commission on those sales.

Next Financing also offers a business opportunity that allows partners to offer their own loan solutions through this company.

Why You Should Promote Next Financing: The high loan amount means a nice affiliate commission even at 1-2% commission.

9. Credit Suite

URL: Credit Suite Affiliate Program
Commission: Up to $500
Cookie: Unknown

Credit Suite partners with affiliate marketers that refer customers who need business credit and financing. Affiliates can also refer customers who want to sell those services to other people, and they’re provided with all of the promotional materials they need.

The business financing solutions this company provides are for EINs that aren’t linked to a social security number. The credit lines and loans have low payments and good interest rates, and there are hundreds of lenders and investors who help make this happen.

Why You Should Promote Credit Suite: The ability to draw in customers who want to sell business credit as well as those who want to use it expands the possibility for affiliate earnings.

10. Business Credit And Capital

This screenshot of the home page for Credit And Capital shows a man in a dark suit with his arms folded, near white text that reads "Getting the money that you need is quick and easy" above a green call-to-action button for applying now. — Business Credit And Capital specializes in financing solutions for retail restaurant and service businesses

URL: Business Credit And Capital Affiliate Program
Commission: 15%
Cookie: Unknown

Business Credit And Capital usually funds business deals within 48 hours and offers creative solutions that go beyond what banks can offer, including cash advances.

This company specializes in financing solutions for retail, restaurant, and service businesses, and this sets it apart from many of the other business loan affiliate programs. There aren’t restrictions on how the loans or cash advances must be used, so small business owners can purchase inventory, pay bills, make repairs, or hire new employees.

Why You Should Promote Business Credit And Capital: The commission rate for affiliates is higher with this company than with many of the other best business loan affiliate programs that are available.

Affiliate Website Ideas

Now that you’ve read about these top 10 business loan affiliate programs, do you know how you can use them in your niche marketing efforts?

A website specifically for software developers working with business owners could be a good place to start. Besides information on how to scale a growing company, a website like this one could promote business loans, project management software, and outsourced services such as customer service or sales teams.

What about a website for restaurant owners? The best business loan affiliate programs, including Business Credit And Capital, could be promoted here. Affiliates could also feature restaurant equipment, catering supplies, temp agencies for hiring employees, and business management software.

Another idea is a website to help Etsy and other small online shops sell things they’ve made or collected. Besides small business loans, a niche site like this one could promote wholesale craft supplies, online sales funnel packages, and social media advertising agencies.

Boost Your Affiliate Earnings

These 10 affiliate programs are just the beginning of what's possible. There are hundreds of ways to earn affiliate commissions with your website, including product reviews, top 10 lists, how-to guides, and more

But what about traffic and conversions? How do you make sure your affiliate links get clicked?

I used the affiliate training here to turn my brand new website into a six-figure income generator in less than two years. Build a business, not just a pocket-money side project!

Nathaniell

What's up ladies and dudes! Great to finally meet you, and I hope you enjoyed this post. My name is Nathaniell and I'm the owner of One More Cup of Coffee. I started my first online business in 2010 promoting computer software and now I help newbies start their own businesses. Sign up for my #1 recommended training course and learn how to start your business for FREE!