Professional Partner Referral Guide
A structured way for bankers, CPAs, brokers, attorneys and vendors to introduce a financing scenario to CMCC.
What Is a Professional Referral to CMCC?
A professional referral is a short, non-sensitive introduction from a banker, CPA, business broker, commercial real estate professional, attorney or equipment vendor who has a client with a commercial financing need. CMCC reviews the scenario and identifies next steps, working through independent third-party funding providers.
Describe the Need
What is the client trying to accomplish?
Give the Scale
Approximate amount, business/property type and timing.
Name the Obstacle
Why is the client asking for help now?
Protect the Client
Do not email sensitive personal or financial records during the initial referral.
Referring a Financing Scenario
Who May Benefit
- Bankers with clients whose needs fall outside the bank's credit box
- CPAs and accountants advising clients on financing
- Business brokers supporting buyers of established businesses
- Commercial real estate professionals with a financing question
- Attorneys and equipment vendors whose clients need capital
Common Eligibility Considerations
- A clear objective: what the client is trying to accomplish
- Approximate amount and use of proceeds
- Business or property type
- Timing and any deadlines
- The obstacle: why the client needs help now
- A client who is willing to engage in the process
Requirements vary by financing source and change over time.
Documentation Typically Requested
- Partner name, firm and contact details
- Client business name or a short description
- The need, approximate amount and timing
- Business or property type
- Any known obstacle or decline reason
Do not email or upload sensitive records during the initial review. CMCC provides separate instructions if the request advances.
How CMCC Works With Partners
CMCC reviews the scenario, may ask for additional non-sensitive facts, advises on viability, and, if it advances, structures the request and presents it to independent funding providers. The Partner Toolkit includes the Deal Desk for general scenarios, the Second-Look Review for declined or stalled requests, and the Dealer Finance Portal for equipment vendors.
What Happens Next
- Send the basics. Use the Deal Desk or Second-Look Review form with non-sensitive facts only.
- Initial review. CMCC reviews the scenario and identifies what else would matter.
- Secure instructions. If the scenario advances, CMCC provides separate instructions for sensitive documents.
- Placement and underwriting. The request is presented to appropriate independent funding providers, who underwrite and decide.
CMCC does not guarantee approval, rates, terms or timing.
Professional Referral FAQs
Does a referral obligate my client?
No. A referral is an introduction. The client decides whether to proceed.
What should I not include in a referral?
Do not send Social Security numbers, bank statements, tax returns, IDs or account credentials. Start with non-sensitive facts only.
How do I submit a referral?
Use the Deal Desk for general scenarios or the Second-Look Review for declined or stalled requests.
Have a real scenario?
Use the guide to organize the question, then let CMCC review the facts.
Related CMCC Tools & Financing Paths
Use the resource to understand the issue, then move to the relevant calculator, financing path or application when the scenario is ready.