InvestorLoan.ai Partner Program

Choose your path

Same capital, same programs. Different level of involvement.

Every partner gets access to all InvestorLoan.ai loan programs and our capital partners. What changes is how involved you are in the file, how you get paid and how much support you get.

Referral Partner

For agents, wholesalers, CPAs, attorneys, title agents and anyone who meets investors who need a loan.

Freeno monthly fee

You earn10% of our origination revenue

On every loan that funds, you get 10% of what InvestorLoan.ai earns on origination for that loan. On a $500,000 loan where we earn 1 point, that is approximately $500.

Submit the borrower. We quote, process and close.
Track your referrals and payouts in your Partner Desk
Paid after the loan funds, never upfront
You do not negotiate rates or terms

Where: open in 35 states plus conditions in 9 more. In 7 states only licensed or registered partners can take a referral fee. See the list

Join as a Referral Partner

New

Broker Partner

For brokers and loan officers who already have deal flow, know how to package a file and want to set their own pricing.

Freeno monthly fee

You earnYour own points, up to 2

You set your broker fee on top of our pricing and it is paid at closing. On a $500,000 loan at 1.5 points, that is $7,500.

Quote your borrower and set your own pricing
Submit scenarios and track every file to funded
Access to all programs and our capital partners
No certification training or dedicated support

Where: only in states where you are allowed to broker. Open in 30 states, conditional in 11, license required in 10. Everywhere else you refer. See the list

Open a free broker account

Certified Private Money Broker

For newer brokers, career changers and anyone who wants training and a team behind them while they build deal flow.

$197per month

You earnYour own points, up to 2

Same pricing control as a Broker Partner, plus the training, tools and support to close more files.

Certified Private Money Broker designation and training track
Full Partner Desk: loan sizer, pricing, doc checklists, reporting
Priority processing and VIP support
Co-branded marketing and monthly group calls

Where: the same state rules as a Broker Partner. Certification is training, not a license. See the list

Get certified

	Referral Partner	Broker Partner	Certified Broker
Cost	Free	Free	$197/month
How you get paid	10% of our origination revenue on the funded loan	Your own points, up to 2, paid at closing	Your own points, up to 2, paid at closing
Your role on the file	Introduce the borrower	Quote, package and manage the borrower	Quote, package and manage the borrower
Best fit	You meet investors, you do not want to run files	Experienced, existing deal flow, quick learner	Newer, or building deal flow, wants support
Training and certification	No	No	Yes
Priority processing and VIP support	No	Standard support	Yes
Co-branded marketing	No	No	Yes
Where it applies	States where paid referrals are allowed	States where you are allowed to broker	States where you are allowed to broker

Earnings

What a funded loan pays you

Move the sliders to see an estimate for each path. The referral payout depends on what InvestorLoan.ai earns on the loan, which varies by program and capital partner.

Loan amount $500,000

Our origination on the loan 1.0 ptsAverages approximately 1 point, and varies by program and capital partner. Drives the referral payout.

Your broker points 1.5 ptsBroker and Certified partners set this themselves, up to 2 points.

Referral Partner10% of $5,000 in origination revenue

$500

Broker PartnerYour points, paid at closing. Free account.

$7,500

Certified BrokerYour points, paid at closing, less $197/month

$7,500

Illustration only. All figures are approximate and are not a promise of earnings. Payouts apply to funded loans only. Your broker fee must stay within what your state allows and within program limits.

State availability

Which option you can use depends on the property's state

Referring and brokering are treated differently state by state. Pick an option to see where it is open today, then tap a state for the details. This uses the same State Referral Matrix as TheDealMaker.ai Network, last reviewed September 2026.

OpenConditions applyLicense or registration required

FL

Florida

Referral PartnerAvailable

Broker PartnerAvailable

Certified BrokerAvailable

What to know: Ch. 494 applies to commercial loans only if the borrower is an individual or the lender is a private (noninstitutional) investor.
License that applies: Mortgage broker and loan originator licenses under Ch. 494 (Office of Financial Regulation)

Open for brokering30

No broker license found for business-purpose loans.

ALAKARCOCTDEFLGAHIINIAKYMEMDMAMSMOMTNHNMOHOKSCTNTXVAWAWVWIWY

Conditions apply11

Allowed with conditions, such as fees paid only at closing, commercial property only or a registration and bond.

DCIDILKSLANENCORRIUTVT

License required10

Broker only with the required license. Without it, submit as a referral.

AZCAMIMNNVNJNYNDPASD

The rules

Referring and brokering are not the same thing

These rules keep you and your borrowers on the right side of state law. They apply to every partner on every file.

A referral is an introduction

Referral Partners connect the borrower and step back. You do not quote rates, negotiate terms or collect loan documents. You are paid only when the loan funds.

Broker only where you are allowed to

Broker and Certified partners broker in states marked open, in conditional states when they meet the conditions, and in license-required states only when they hold that license. In every other state, you submit the file as a referral.

Certification is not a license

The Certified Private Money Broker designation is our training and support program. It does not replace a state license, registration or bond where one is required.

Licensed agents and loan officers

If you hold a real estate broker, salesperson or NMLS license, some license-required states open up to you. For example, New Jersey agents take referral fees through their broker. Tell us your licenses when you sign up.

Paid at closing, never upfront

No partner collects an upfront or advance fee from a borrower. Several states, including IL, KS and LA, only exempt fees paid at a successful closing.

Property state on every scenario

Every file records the property state. For any state that is not open for your role, you confirm you meet the requirement before you submit, and we route it as a referral if you do not.

Get started

Open your partner account

One JDL account works across InvestorLoan.ai, JDLDeals.ai and TheDealMaker.ai Network. Referral and Broker accounts are free and switch on as soon as we confirm your details. You can upgrade to Certified at any time.

Already brokering with other lenders? Keep those relationships. Bring us the files that fit our programs and states, and use us as another capital source.

FAQ

Questions partners ask

What is the difference between the free Broker Partner and Certified?+

Both set their own points, up to 2, and both follow the same state rules. Certified adds the training track and designation, the full Partner Desk toolset, priority processing, VIP support, co-branded marketing and monthly group calls. If you already have deal flow and know how to package a file, start free as a Broker Partner. If you are newer or want a team behind you, get certified.

How is the 10% referral payout calculated?+

It is 10% of the origination revenue InvestorLoan.ai earns as a company on that specific loan, including our points and any yield spread paid by the capital partner. What we earn varies by program and capital partner and averages approximately 1 point, so a $500,000 loan typically pays a Referral Partner approximately $500. If we earn more on a file, your payout goes up with it. It is paid after the loan funds.

My state requires a license to broker. What can I do?+

Submit those files as a referral where paid referrals are allowed, or get the license the state requires and tell us once you have it. We will open brokering in that state on your account. Use the state tool above to see what your state requires.

Can I be a Referral Partner in some states and a broker in others?+

Yes. Your account follows the property's state on each file. A Broker Partner who submits a file in a state where they are not allowed to broker is paid as a Referral Partner on that file.

I already work with other lenders. Is that a problem?+

No. There is no exclusivity. Bring us the files that fit our programs and use us alongside your existing capital sources.

What loans qualify?+

Business-purpose investor loans: fix and flip, DSCR rental, new construction, bridge and commercial. We do not fund owner-occupied consumer loans.

Can I upgrade or downgrade later?+

Yes. Upgrade to Certified from your Partner Desk at any time, or cancel Certified and stay on as a free Broker Partner.

Important. State information on this page is general information drawn from state statutes, regulator guidance and industry licensing summaries, last reviewed September 2026. Laws change, and this is not legal advice. You are solely responsible for deciding whether you need a license, registration or bond, and for following all federal, state and local laws where you and the property are located. Confirm the rules for your state with counsel before accepting compensation. InvestorLoan.ai and/or its affiliates take no responsibility for a partner's licensing or conduct. Earnings shown are illustrations only, all figures are approximate, and nothing on this page is a commitment to lend. All loans are for business purposes and subject to underwriting and approval.

Refer it. Broker it. Or get certified.