What loan programs can I offer?

As a referral partner for our commercial division, you can offer: • DSCR • Fix and Flip • Ground Up Construction • Private Money • SBA • Commercial Loans • Transaction Funding for Wholesalers • Business Loans to Business Owners To request a product offering sheet, email robert@pineyrogroupofcompanies.com (robert@pineyrogroupofcompanies.com)or call +1 (954) 214-2240

Do I need a license to become a commercial loan broker?

In most states, you don't need a specific license to broker commercial loans. However, some states have regulatory requirements depending on the type of loan (e.g., real estate or business loans). It's essential to research your state's guidelines to ensure compliance. If you join us, we make sure you are in compliance in any and all states as deemed appropriate.

How do your commercial loan referral partners make money?

Our referral partners make anywhere between 0.500 and 1.00% of the funded loan amount.

What does a commercial loan broker do?

A commercial loan broker connects businesses or investors with lenders to secure financing for their projects. This can include loans for real estate, business expansion, working capital, or equipment. Brokers act as intermediaries, matching borrowers with the best funding solutions and earning commissions for successful deals.

How do I find clients as a commercial loan referral partner?

• Build a professional network of real estate agents, accountants, and attorneys. • Leverage social media and LinkedIn for outreach and education. • Attend industry events and business expos. • Offer valuable content through email campaigns, blogs, or webinars to attract leads.

Can I work part-time as a commercial loan broker?

Yes, many of our referral partners start part-time, building their client base while maintaining other jobs. This flexibility allows you to transition into full-time brokerage as you gain experience and grow your pipeline.

What is the difference between residential and commercial loan brokerage?

Residential loan brokers deal with homebuyers and residential properties, often requiring a mortgage license. Commercial brokers focus on loans for business purposes, such as real estate investments, equipment financing, or working capital, which usually don't require a specific license.

How much can I earn as a commercial loan broker?

Income varies widely based on effort, network, and deal volume. Our referral partners average earning are between $45,000 - $250,000 annually, with top referral partners making significantly more. Since commissions are percentage-based, larger loans can yield higher earnings.

How and when do I get paid?

Within 24 business hours after a loan closes and funds, we will initiate your payment via ACH. Please ensure we have your correct banking information on file to avoid any delays in receiving your funds. PLEASE NOTE THE DEADLINE FOR THE DAY IS 1PM EST

Can I bring in referral partners and earn from their deals once I join your program?

Absolutely! You’re welcome to build your team however you like and earn on the deals they bring in.

Realtor Partner Referral Program

HUGE Earnings. TINY Efforts.

Join PCG Commercial's SellMoneyMakeMoney™ Referral Program, designed exclusively for real estate professionals who want to earn substantial commissions by referring real estate investors to secure funding through PCG Commercial. With over two decades of experience funding investors nationwide, we provide access to virtually every loan program available in today’s market—ensuring your clients get the financing they need while you earn more on every deal.

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Realtors Love Making Extra Money with Us

Are you a Realtor®, real estate agent, or broker? It’s time to turn your network into additional income.

At PCG Commercial, we reward you for helping your clients access competitive real estate financing — whether it’s fix-and-flip, bridge, rental, or construction loans. Simply refer your clients to us, and when their loan closes, you get paid 50% of the earned commission (less a $500 per closed file processing fee)

Expect:
✅ Reliable closings and fast turnaround times
✅ High loan-to-value options your clients will love
✅ A seamless referral process with full transparency

Your clients win with great financing. You win with extra income.

It’s that simple — Sell Money, Make Money™.

Not approved as a Realtor Partner yet but have a deal ready?

No problem — submit it now and we’ll start your setup right away!

What is a business purpose loan?

A business purpose loan is a loan that's primarily used for business, investment, or commercial purposes. The proceeds from a business purpose loan are used for non-consumer purposes, such as:

Financing business operations
Investing in rental properties
Purchasing an investment property
Cash-out refinancing for business purposes
Expanding to new properties, such as offices and storefronts
Remodeling current space
Financing the construction of a spec home

A business purpose loan can be secured by residential property, but the loan's intent distinguishes it from consumer mortgages. The borrower can be an individual or a business entity.

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Loan Programs You Can Offer With NO LICENSE

Fix & Flip

1-4 unit properties
Close within 5 business days*
$100k to $3M loans
Prepayment waiver available

Stabilized Bridge

1-4 unit properties
Short-term loans on cash-flowing properties
$100K to $3M loans
Fast underwrite

Long Term Rental

1-4 unit properties
Minimal documentation required
$100K to $3M loans
Qualify with leases only

Commercial Loans

Most property types welcomes
SBA
Bridge Loans
$200K to $10M loans

Ground Up Construction

New and experienced developers welcomed
Terms from 12-18 months
600 minimum FICO
Payments are interest only
Payments are calculated on draw amounts only
No personal income verified

Hard Money

3 - 18 month terms
Closing in 5 days from clear title
No minimum credit score needed
Maximum 80% LTV
All property types welcomed

Transactional Funding

Perfect for wholesalers
Terms for 1 business day
No credit checks
Must use same title company for purchase and sale
First timers alllowed
Use OPMs to grow

Business Loans

Bridge Revenue Advance
Same day funding
500 minimum FICO
Use funds for any purpose
Minimum 3 months in business
All property types welcomed

DOWNLOAD ALL PROGRAMS

Where Our Partners Can Refer, Earn, and Stay Compliant

Compliance Notice:
This referral program applies only to loans underwritten and issued to real estate investors. Owner-occupied or consumer-purpose loans are strictly prohibited and not eligible under any circumstances. All referrals must comply with applicable state and federal regulations governing business-purpose and investment-property transactions.

License-Free Eligibility in Most States:
Alabama, Arkansas, Colorado, Connecticut, District of Columbia, Delaware, Florida*, Georgia*, Illinois, Indiana, Kansas*, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Mississippi, Missouri, New Jersey, New Hampshire, New Mexico, New York, Ohio, Oklahoma, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Virginia, Washington, West Virginia, Wisconsin, Wyoming.

*Borrower must be a LLC or Corp.

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The Realtor Referral Process

Earn extra income with every client you refer.

Apply Online

Submit our quick 1-minute referral form for your client — and list yourself as the broker. No mortgage license required.

Get Protected

Once your client accepts the terms, we handle all due diligence and send you a blanket Realtor Referral Agreement, securing your payout for this and all future deals.

Get Paid

We close fast and pay your referral bonus promptly. Simple, transparent, and rewarding — just how it should be.

Have a few questions before you start?
No problem — click below to schedule a quick 15-minute call.

“Easiest extra income I’ve ever made!”
I referred my investor client to PCG Capital and they handled everything — application, docs, and closing. I didn’t need any special license or product knowledge. Got paid within days of closing!

– Jessica Morales, Realtor, Miami, Florida

Trusted by Realtors Nationwide

Proof It Pays to Partner With Us

Join Our Network and Earn More

Our partner agents have generated millions of dollars by working with us. Real estate agents who join our network gain a fast and easy way to secure capital for their clients, as well as other benefits. For example, you’ll also be able to grow your business and revenue through the referrals we provide to the many customers we serve.

Frequently Asked Questions

MORE Q&As

Insights for Real Estate Professionals

Bank Statement HELOC for the Self Employed

Bank Statement HELOC: A Guide for Self-Employed Borrowers

Unlock your home’s equity without tax returns. A Bank Statement HELOC is designed for self-employed borrowers who want flexible access to cash using 12–24 months of bank statements instead of W-2s. Perfect for entrepreneurs, investors, and business owners who need capital for growth, renovations, or debt consolidation—while keeping their first mortgage intact.

Florida Realtors