Whether you’re stepping into the world of commercial finance as a casual referrer or charting a course to become a full-time professional broker or freelance consultant, your mission will quickly become crystal clear: you are here to earn money—and not just any money, but long-term, dependable, monthly residual income.
That journey starts by doing one thing better than anything else… sourcing and referring clients for factoring.
Sure, along the way you may close a few one-time deals—a business term loan, an SBA loan, an equipment lease, or maybe financing for a purchase order. These opportunities are valuable, and each one will contribute to your income as a consultant. But the truth is, those types of commissions come once and they’re done. You collect your fee, and the income ends.
Factoring is different.
Factoring is powerful.
Factoring is your path to passive income.
When you refer a business owner to a factoring company and that client begins funding invoices, you begin earning commissions every single month—for the life of that account. And better yet, once the deal is in place, you don’t have to do anything else except watch your commissions roll in. No servicing. No paperwork. No hand-holding. Just income, month after month.
Now imagine this: You refer a modest janitorial company doing $50,000 in monthly billings. That single account might earn you $300 every month. But here’s the real magic: because of the improved cash flow that factoring provides, that same janitorial service now has the financial strength to pursue larger contracts they previously had to pass on. Within a few months, their sales double—or even triple.
And guess what happens to your commission?
That $300 a month becomes $600.
Then $900.
Maybe more.
That’s the power of building a book of business in this industry.
That’s why factoring referrals are the core of any serious consultant’s strategy.
So make no mistake. Whether you’re just testing the waters as a PAL Affiliate or building out your practice as a PAL Associate with a full-featured website and a growing local presence, your focus must always come back to factoring. These are the clients that build your future. These are the clients that provide income while you sleep. These are the clients that make this opportunity one of the most exciting “side gigs” or career paths in finance today.
Factoring commissions don’t just pay you today. They pay you tomorrow, next month, and next year.
Your mission starts now:
Find your first client. Build your book. Secure your future.