PAL Associates: Is This the Perfect Career Path to Launch Your Factoring Career

“Start simple. Grow smart. Build income that lasts.”

The world of commercial finance offers one of the most powerful and low-cost business opportunities available today, and IACFB’s PALs Program makes it easier than ever to get started. Designed for those just entering the industry, PALs—Partners Active Locations—gives you two unique ways to launch your journey as a factoring broker or consultant:

• As a PAL Affiliate, or

• As a PAL Associate

Both paths provide access to IACFB’s proven lead-generation system built around Sales Qualified Leads (SQLs), where your role is simple: generate leads—we do the rest.
But while the Affiliate level is great for casual referrers or part-time agents, PAL Associates are taking real steps to build a business—one that creates long-term, residual income and opens the door to a future career in freelance commercial finance consulting.

The Difference: Affiliate vs. Associate

PAL Affiliates: The Casual Referrer

PAL Affiliates are entry-level participants in the PALs Program. Perfect for part-timers, students, retirees, or anyone looking for a side hustle, Affiliates focus on:

• Submitting Sales Qualified Leads (SQLs) through the PAL Network website

• Networking with small business owners in their community

• Attending events and conversations where referrals naturally occur

Although many PAL Affiliates opt for the optional web page, they do not require a website, don’t handle any paperwork, and are paid attractive shared commission rates. It’s a great way to test the waters and begin earning residual income with no absolutely startup cost.

However, because Affiliates operate without many tools or training resources, growth potential is limited—making it the ideal option for those who want to participate without making a serious commitment.

PAL Associates: The Emerging Professional

PAL Associates take everything available to Affiliates and elevate it—big time.

While Associates also operate using the SQL system and never have to deal with paperwork or sales tasks, they are positioned as business owners in training. As an Associate, you’re building the foundation of a true commercial finance career while letting IACFB handle the backend.

Here’s what makes the Associate level so powerful:

Benefits of Becoming a PAL Associate

✅ Full Access to the IACFB Academy Campus

As an Associate, you’ll have complete access to all six training courses and materials on the IACFB Academy Campus. This includes in-depth courses, video walkthroughs, marketing strategies, and guides to help you learn the ropes of:

• Factoring and other forms of alternative finance

• Lead generation methods like UCC filings and LinkedIn marketing

• Email campaigns, referral network building, and more

You’re not just submitting leads—you’re learning how to grow.

✅ Included SA-Series Website

Your membership as a PAL Associate includes a professionally designed, lead-capturing SA-Series WordPress website built specifically for factoring brokers. This website features:

• A hidden “invitation page” for direct marketing events

• A built-in blog for content marketing and SEO

• A private SQL submission page for easy lead tracking

• Built-in offer pages for free factoring guides or webinars

This is your digital storefront—and one of your most important tools for building credibility and capturing leads online.

✅ Subscription to Commercial Finance Consultants Magazine included.

You’ll also receive a complimentary subscription to the IACFB’s monthly digital magazine, Commercial Finance Consultants. Each issue is packed with:

• Marketing strategies for both brokers and consultants

• Articles on business development, niche financing markets, and trends

• Tips for starting and scaling your practice

• Real-world case studies and broker success stories

This magazine keeps you informed and sharp as you grow your book of business.

✅ Listing in the Directory of American Factors and Lenders

All PAL Associates receive an official listing in the Directory of American Factors and Lenders, giving you instant visibility to:

• Local business owners seeking funding

• Referral sources like accountants, bankers, and attorneys

• Other brokers and consultants who want to build partnerships

Your directory profile includes your bio, certifications, community involvement, and a direct link to your website. It’s like having a digital business card that works 24/7.

✅ Access to the ANNEX Business-in-a-Box Direct Marketing templates

One of the most powerful tools included in your PAL Associate membership is access to The ANNEX—a complete business-in-a-box for marketing. This vault includes:

• Printable flyers, brochures, and 3-panel mailers

• Sample cover letters and scripts

• Direct mail campaigns with invitations and follow-ups

• Customizable templates for social media outreach

These are the tools the pros use—and they’re included for you, right from the start.

Building Toward a Full-Time Career

The PAL Associate level is not just a smart upgrade—it’s a launch pad.
Most successful full-time freelance brokers begin their journey as Associates, where they close their first few deals, build confidence, and begin earning monthly commissions.

Once you’ve booked 3–4 deals and your income stream is growing, you’re ready to take the next step: upgrading to an FB-Series Consultant Website and launching your full-time freelance career as a certified Commercial Finance Consultant.

Which Level is Right for You?

Ready to Get Serious?

If you’re ready to take control of your income, learn a valuable skill, and grow a business that pays you residual commissions month after month, then upgrading to PAL Associate is your next move.

You’ll get the tools.
You’ll get the training.
And you’ll get the opportunity.

Let IACFB help you build something real.
Join today as a PAL Associate and take your first steps toward an exciting new career in commercial finance.

Visit www.iacfb.net to get started.