Referral Partner Program
Commercial Financing for the Opportunities Your Clients Bring You
Sussex Capital is a commercial finance brokerage arranging bank, private-credit, specialty-lender, family-office and alternative-capital solutions. You make the introduction. We handle qualification, document collection, structuring, lender placement, underwriting and closing.
No need to pre-underwrite a deal or collect a full financing package before making an introduction.
Deal Size
$10K – $50MM+
Program dependent
Initial Feedback
Typically 24–72 Hours
After receiving sufficient initial information
Primary Markets
U.S. · U.K. · Canada · South Africa*
Credit Profile
Structure Dependent
No universal FICO cutoff
You Make the Introduction. We Handle the Financing Process.
Referral partners do not need to become commercial-finance underwriters. Send us the opportunity and enough context to understand what the business is trying to accomplish. Sussex Capital handles the financing process from qualification through closing.
- 1
Make the introduction
No need to pre-underwrite the transaction or collect a complete package.
- 2
Sussex qualifies and structures
We evaluate the opportunity across appropriate bank, private-credit, specialty and alternative financing programs.
- 3
We manage underwriting and closing
Sussex coordinates documentation, lender placement, underwriting and transaction execution while keeping the referral partner informed as appropriate.
- 4
Referral compensation is paid after funding
Compensation is paid after the transaction funds and Sussex Capital receives its brokerage commission, subject to the applicable referral agreement.
When to Send Us an Opportunity
Good Reasons to Refer
- Growth, expansion or working capital
- Equipment purchases
- Inventory needs
- Large projects or contracts
- Business acquisitions
- Refinancing or consolidation
- Receivables financing
- Contract financing
- Purchase-order financing
- Commercial real estate
- A bank decline
- A transaction that needs a more flexible structure
- A business that does not cleanly fit a traditional bank credit box
Generally Not a Fit
- Active or very recent bankruptcy
- Active litigation with a lender or financing provider
- Material loan default within approximately the previous 12–24 months
- Fraud or financial-crime history
- Material misrepresentation in connection with financing
These are screening considerations rather than an exhaustive underwriting policy. Final eligibility varies by lender, transaction structure and circumstances. Imperfect credit alone does not necessarily disqualify a borrower.
What We Can Place
Commercial Financing Programs
The guidelines below are practical screening targets rather than universal hard minimums. Every transaction is ultimately evaluated based on cash flow, industry, collateral, use of funds, credit profile and structure.
| Financing Program | Typical Size | Revenue / Time in Business | Core Qualification Indicators |
|---|---|---|---|
Merchant Cash Advance (MCA) | $10K – $2MM | $120K+ annual / $10K+ monthly; 1+ year | Consistent deposits and acceptable bank activity. Existing debt or MCA positions must be manageable. |
Business Line of Credit | $50K – $500K | $180K+ annual / $15K+ monthly; 3+ years | Consistent deposits, limited NSFs or negative days and sufficient cash flow to support payments. |
Revenue-Based Term Loan | $1MM – $7MM | $3MM+ annual; 2+ years typical | Positive cash flow or debt-service capacity and typically approximately 2.5%–5%+ year-over-year revenue growth. |
Conventional / C&I Term Loan | $50K – $15MM | $500K+ annual typical; 2+ years | Demonstrated profitability and cash flow sufficient to service the requested debt. Collateral may also support the structure. |
SBA Financing U.S. only | Up to $5MM for SBA 7(a) | $250K+ annual typical; 2+ years preferred | For-profit U.S. operating business with sufficient repayment ability and an eligible use of funds. Guarantees are generally required. |
Asset-Based Line of Credit (ABL) | $2MM – $15MM | $5MM+ annual typical; 2+ years typical | Eligible accounts receivable, inventory and/or equipment with a sufficient borrowing base and financeable B2B receivables. |
A/R Factoring | $100K – $20MM | $1MM+ annual sales typical; 6+ months | B2B receivables from creditworthy customers with valid, assignable invoices.Startups may qualify. |
Purchase Order / Contract Finance | $100K – $20MM | $1MM+ annual sales or contract volume; 6+ months | Creditworthy end customer, reliable supplier, sufficient gross margin and a clear production or delivery plan.Startups may qualify. |
Equipment Financing | $250K – $50MM+ | $250K+ annual; 2+ years, with stronger history generally expected on larger transactions | Identifiable, financeable equipment or other hard assets. Larger transactions generally require stronger cash flow and financial reporting. |
Commercial Real Estate Finance | $50K – $10MM+ | $500K+ annual typical; 2+ years typical | Adequate equity or down payment and debt-service coverage. Property history, leases, rent roll and/or sponsor experience may be required. |
Asset-Backed / Private Credit | $500K – $10MM | $2MM+ annual typical; 2+ years typical | Real estate, accounts receivable, equipment, inventory and/or liquid assets. Structures generally target less than approximately 80% LTV and/or less than 3.0x Debt/EBITDA, depending on the transaction. |
From Straightforward Working Capital to Bespoke Credit Structures
Sussex Capital is not limited to a single funding product or lender category. Depending on the opportunity, transactions may be placed through banks, private-credit funds, specialty lenders, family offices and alternative-capital providers.
Smaller Transactions
Working capital, lines of credit, MCA and conventional business financing beginning around $10,000.
Middle-Market Transactions
Term debt, asset-based credit, factoring, equipment financing, acquisitions and structured working-capital facilities.
Larger / Bespoke Transactions
Equipment, private credit, asset-backed structures and other transactions that can extend into the tens of millions of dollars.
Referral Compensation
20% – 50%
of the brokerage commission actually received by Sussex Capital on a successfully funded transaction.
Most new referral partners begin at 25%. Higher shares may be available for repeat funded volume, highly financeable opportunities and strategic or high-volume relationships, subject to transaction economics.
Paid after the transaction funds
Based on commission actually received by Sussex Capital
Subject to an executed referral agreement and applicable law
A Referral Relationship Without Quotas or Exclusivity
There is no minimum referral volume, production quota or obligation to send every financing opportunity to Sussex Capital. Partners remain free to maintain and use other financing relationships.
Send us the opportunities where we can add value.
Who We Work With
You do not need to be a financing professional to make an introduction. Compensation remains subject to applicable law and the referral agreement.
What Should I Send Sussex?
Start with the introduction. We can determine what additional information is needed from there.
A full underwriting package is not required before making the referral.
Example Initial Information
- Business name
- Contact name
- Best phone number / email
- Approximate financing amount
- General use of funds
- Brief description of the situation
Become a Sussex Capital Referral Partner
Tell us a little about your business and how you typically encounter financing opportunities. There are no minimum referral-volume commitments.
Have an Opportunity to Discuss Now?
You do not need to wait for a formal partner setup conversation before reaching out about a potential transaction.
Seth Lyons
CEO | Sussex Capital
Disclosure
Primary-market eligibility varies by product. SBA financing is U.S.-specific. Cross-border opportunities may be considered when ownership, incorporation, revenue or banking creates an underwritable nexus to a supported market.
Screening guidelines are indicative only. Final eligibility depends on lender underwriting, cash flow, industry, collateral, use of funds and transaction structure.
This website does not constitute an offer or commitment to provide financing.
Referral compensation is subject to an executed referral agreement and applicable law.
Referral partners make introductions only and do not negotiate financing terms on behalf of Sussex Capital unless separately authorized and legally permitted to do so.