Every journey begins with a choice. And in the world of commercial finance consulting, there are two paths: the occasional referrer who picks up a commission here and there… and the true professional who builds a scalable business with lasting monthly income.
At the International Association of Commercial Finance Brokers (IACFB), we created the PALs Program—Partners Active Locally and Socially—to empower individuals from all walks of life to tap into the incredible world of invoice factoring and alternative commercial lending. And while PAL Affiliates offer a simple, no-cost way to dip your toes in the water as a referral agent, those who are serious about success—those who dream of launching a real, income-generating business—choose to become PAL Associates.
And here’s why.
PAL ASSOCIATES: BUILT FOR BUSINESS
If you’re here reading this, it’s probably because something inside of you is looking for more.
More income.
More freedom.
More purpose.
That’s exactly what the PAL Associates Program is built to deliver.
Unlike our free-level PAL Affiliates, PAL Associates operate as professional-level consultants. You’ll represent yourself with a dedicated website, have access to high-converting marketing campaigns, and most importantly—earn double the commissions compared to Affiliates. That’s not a typo. Associates receive standard industry commission rates, which means when a deal closes, you earn what the pros earn.
But the benefits don’t stop there.
FULL ACCESS TO THE IACFB ACADEMY CAMPUS
Associates receive full membership access to the IACFB Academy, our comprehensive training hub featuring courses, videos, tools, and industry strategies that help you build, scale, and automate your business. Learn everything from building a referral network to running UCC campaigns, leveraging LinkedIn, and mastering consultative selling.
As an Associate, you don’t guess your way to success.
You get a roadmap—and the support to follow it.
SUBSCRIPTION TO COMMERCIAL FINANCE CONSULTANTS MAGAZINE
Every month, you’ll receive new insight, expert interviews, and marketing strategies from the industry’s most experienced consultants. The IACFB Commercial Finance Consultants Magazine is your ongoing toolbox for growth, providing timely articles on everything from economic trends to creative lead-generation ideas.
You’ll also gain access to our Boot Camp section, designed specifically to help Associates make their first commissions fast and build powerful routines for long-term income.
YOUR BUSINESS, YOUR BRAND: DIRECTORY LISTING + PROFESSIONAL PRESENCE
All PAL Associates are automatically listed in the Directories of American Factors and Lenders, one of the most powerful tools available for building local credibility. With your bio, certifications, links to your website, and even community affiliations, you’ll become the go-to expert for your area.
You’re not just in business—you’re visible, searchable, and credible.
THE ANNEX: YOUR “BUSINESS-IN-A-BOX”
One of the most powerful resources available to PAL Associates is The ANNEX—a complete suite of downloadable, plug-and-play marketing materials. From professionally written cover letters and email campaigns to brochures, flyers, cold call scripts, and stunning event invitation pages, the ANNEX provides you everything you need to launch direct mail campaigns, build referral networks, and host online presentations.
You’ll never start from scratch. You’ll start with proven tools that work.
AFFILIATE VS. ASSOCIATE: WHAT’S THE REAL DIFFERENCE?
| Feature | PAL Affiliate (Free) | PAL Associate (Business-Builder) |
|---|---|---|
| Commission Rate | Entry-Level | Standard Industry Rates (2X) |
| Website | None | Full SA-Series Site |
| Academy Access | Limited | Full Campus Access |
| Magazine Subscription | Optional | Included |
| ANNEX Marketing Toolkit | Not Available | Included |
| Directory Listing | None | Listed with Full Bio |
| Client Lead Submission | Via PAL Website | Hidden Page on Your Own Site |
BUILD INCOME THAT WORKS WHILE YOU DON’T
Factoring commissions are residual. When you help a small business gain access to cash flow through invoice factoring, you start earning monthly commissions—for the life of that account. Your book of business doesn’t just pay you today—it pays you next month, next year, and beyond.
And that’s the difference between a side hustle and a real business.
ARE YOU READY?
If you’re tired of chasing one-time commissions…
If you’re tired of business opportunities with no real support…
If you’re ready to build something real—something that can grow with you…
Then upgrading to PAL Associate is your next move.
Take your first step into the world of commercial finance not as a dabbler, but as a doer. The support is here. The training is here. The tools are here. All that’s missing is you.
Ready to build your business? Join the PAL Associates Program today and unlock your true potential.
Visit www.iacfb.net and start your professional journey now.