Referral Partner Program
Program terms
How referral fees are earned, when they are paid, and which clients count. Plain terms, the same for every partner.
- Referral fee
0.25%–1.00% of the funded loan amount, set for each loan based on its size and program.
The rate for each loan is set by Sphinx Capital when that loan funds. A fee is earned only on a funded loan.
- Payment
Within two weeks of closing.
Sphinx Capital pays referral fees directly to you.
- Client protection
Repeat loans to the same client count for 3 years from the referral date.
Until then the client stays credited to you, so their repeat loans with Sphinx Capital earn you a fee too.
- Who you can refer
Real estate investors, borrowers and developers who need business-purpose financing. Sphinx Capital does not make owner-occupied home loans, so those referrals do not qualify.
- Cost
Joining is free. There are no fees and no minimum number of referrals.
- How credit works
The first partner to refer a client is credited with that client.
If a client was already in touch with Sphinx Capital before your referral, Sphinx Capital reviews the referral before it is credited.
- Licensing
Rules for receiving referral fees vary by state and profession. Check what applies to you before accepting a fee.
Terms version 2026-10-25