Its 2026 and Here’s Your New Income Opportunity for Finance-Minded Professionals

Robert McMahon Business Start Up, Featured, Industry and Career Comments Off on Its 2026 and Here’s Your New Income Opportunity for Finance-Minded Professionals
Husband and Wife Broker Team eating lunch
So it’s a new year, and you still need a resolution to make a real lifestyle change and finally launch that serious business that helps you stop living paycheck to paycheck? If so, it’s time you took a long look at the PALs Programs at IACFB.
The IACFB PAL programs, which stand for “Partner Active Locations,”  are just that.  They are true “partner” programs that operate by PAL brokers simply submitting periodic SQL or sales-qualified leads. As a PAL partner, you operate by..
  • generating a factoring lead typically through networking
  • submitting those leads to IACFB, who proceed to contact and qualify your lead
  • if successfully qualified, submits the lead to the appropriate factor for underwriting and contracting

How PALs Works

As the PAL partner submitting the lead, you are registered as the deal’s “Broker of Record,” and you begin receiving monthly commission checks. PAL commissions are always paid on a residual basis and are also paid for the life of the account.
IACFB’s PAL program offers four options, and virtually anyone and everyone interested in earning a share of our industry’s legendary commission income can participate as a partner.
  • PAL Affiliates:  This is a basic “zero cost” referrer program that is open to anyone who needs the ultimate side gig in today’s economy to earn more income. For PAL Affiliates, free training and support are provided by articles right here in a dedicated slider at Commercial Finance Consultants magazine. PAL Affiliates generate their leads through lite-networking opportunities and by simply being at the right place, at the right time, and armed with some basic factoring knowledge.
  • PAL Affiliates PLUS: These are also very part-time referrers but want to take a step by actively marketing their factoring business.  To do so, they have a dedicated listing in IACFB’s Directory of American Factors and Lenders and also receive full access and in-depth training through the factoring module lessons at the IACFB Academy.
  • PAL Associates:  Associates are entrepreneurs and mobile creatives who focus on brokering as a real business.  Though they may initially operate part-time, they are primarily interested in transitioning to a full-time vocation in the future. PAL Associates are full-access members of the academy with websites and marketing support through the IACFB’s “Business-in-a-Box” tools and sales aids located in the ANNEX.
  • Pro-PALs:  The Pro-PALs partners are full-time IACFB Consultants and are partners with IACFB’s retail broker’s arm at FactorUSA. Pro-PALs have a semi-protected territory and are required to be members of their local Chamber of Commerce. Pro-PALs receive all the SQL benefits of other PAL members, but also receive higher commission payouts.

Why You Need a Plan “B” Today

In today’s economy, job security is far more fragile than it once was. Rapid advances in automation and artificial intelligence, ongoing corporate restructuring, global competition, and shifting consumer demand have made layoffs a routine business decision rather than a rare event. Even highly educated, experienced professionals are finding that long-held roles can disappear with little warning, often through no fault of their own. Traditional career paths that once promised stability are increasingly vulnerable to forces outside an individual’s control, leaving many households exposed to sudden income disruption.

For this reason, it has never been more important to have a Plan B that is already built, tested, and operational before a crisis occurs. A secondary income stream, side business, or consulting role should not be something you scramble to create after a job loss—it should be in place beforehand, capable of producing income when it’s needed most. Planning ahead provides financial resilience, peace of mind, and the ability to respond to unexpected change with confidence rather than panic. In an uncertain economic environment, preparedness is no longer optional; it is a core component of professional and personal security.

Make PALs Your Plan “B”.  PAL Registration is Open!

Other than Pro PALs, which have location limitations, all PAL programs are zero-cost or very low-cost opportunities for all partners to build their business at their own pace.  As a true professional home-based business, consulting as a PAL has almost no equal, especially in today’s economy, with so many at risk of job loss.  Operating as a broker or “middleman” in the factoring industry offers both prestige and an exceptional income opportunity that is hard to match when seeking a real professional business. For those interested in learning more and to begin to earn a share of the factoring industry’s near-legendary broker commissions, you can learn more, select the program that’s right for you, and sign up as a PAL Network Partner today at www.iacfb.net.